Login
Routing #: 321176833 Locations Contact

How Can We Help You?

Round Up. Give Back.

Round Up, Give Back is here!

Round up your Debit or Credit Card purchases for a chance to win prizes and automatically donate to the Meriwest Community Foundation.

Enroll Today!

Loan Payment Options

Making on-time loan or credit card payments is essential to a great credit score. We've made it easy! Simply chose an option that works best for you and schedule your payment today!
Try Skip-a-Pay

Make a Loan Payment

Save yourself time and postage each month. Make your Meriwest loan payments online, anytime, anywhere using any of the following options.

 

  • Meriwest Loans Payment Options

    Meriwest Auto Loans, Personal Loans, Home Equity Loans & Home Equity Lines of Credit Payment Options 

     

    Direct Deposit

    • Sign up for Direct Deposit into a Meriwest checking account and set up an automatic payment to your loan account.

     

    Online Transfer

    • Transfer payment online from your Meriwest account, or other financial institution, to your Meriwest loan account.

     

    Credit/Debit Card Payment

    • Note: This payment option is no longer available effective 12/3/2025.

     

    ACH Payment

    *A minimum of fifteen (15) days prior to the payment due date is needed in order to ensure the first ACH payment is successful.

     

    Pay with External Bank Account

     

    Card/Transaction by Phone Payment

    To process a payment over the phone, please call 1-877-637-4937 Monday through Friday, 7:30 a.m. to 6:00 p.m. PT

    • Credit/Debit card payments:
      • Note: Visa and American Express credit cards are not eligible.
    • There is no fee for Meriwest account-to-account transfers; these can be set up as recurring payments if preferred.

     

    Meriwest Text Pay (SMS)

    • We've partnered with Repay to offer Text Pay services. Now you can easily pay your loan(s) immediately anytime, anywhere through SMS text messaging using a saved payment method.

     

    Mail Payment

    • A check can be mailed for your payment to the address below. Add your account and loan number in the memo line of your check.
      • Meriwest Credit Union                    
        PO Box 530953                    
        San Jose, CA. 95153

  • Meriwest Credit Card Account Payment Options

  • Meriwest Mortgage Payment Options

    • To process a payment over the phone, please call 1-866-430-9683 (Must have 10-digit Mortgage Loan Number).
    • Mail the payment to:
      • Central Loan Administration & Reporting
        PO Box 51301 
        Los Angeles, CA. 90051-5601
    • Set Up Automatic Payments  
    • To access your Meriwest Mortgage Account online, log into, or register for Online Banking
Woman looking at laptop on couch

People Usually Ask:

  • How can I sign up for direct deposit?

    You can now sign up through online or mobile banking. 

    Online Banking: Main Menu → Manage → My Direct Deposit

    Mobile App: Select “More” (bottom of screen) → Manage → My Direct Deposit

    If your employer provides a Direct Deposit form, fill in the routing number provided below and submit it to your HR Department. Meriwest's Direct Deposit PDF form to set up Direct Deposit to your Meriwest account.

    The Meriwest routing number is: 321176833

    Eligible Checks for Direct Deposit

    Set up direct deposit directly into your checking or savings account for your:

    • Paycheck
    • Social Security check
    • Retirement check
    • Annuity check

    For further assistance, contact us.

  • Is there a minimum balance or deposits required for a checking account?

    To find the minimum requirements for each type of checking account, visit our Compare Checking Accounts page.

    Open a new checking account today!

    If you are already a member, log in to Online Banking to open a new checking account

  • Can I deposit coins in a branch?

    We do accept coin deposits! In fact, we have coin counting machines at many of our Meriwest Financial Centers to accommodate our members.

    To find a branch location near you, visit our locations page.

    Shared Branching

    For your convenience, we participate in shared branching with Credit Union Service Centers, a cooperative effort between credit unions nationwide to assist each other’s members. As a result, you can conduct business on your Meriwest accounts at other credit unions throughout the country as though you were at your local Meriwest branch!

    The hours of shared branch locations will vary by institution. If you are using a CO-OP Express Kiosk or ATM for the first time, you must register with us before use. To register, please call 877-MERIWEST (637-4937). Access may take up to 2 business days following registration.

  • Can I mail a check for deposit into my account?

    Yes, you can mail a check for deposit to any one of our branch locations or our general mailing address:

    P.O. Box 530953  
    San Jose, CA 95153-5353

    Please note: Be sure to include a deposit slip and write your account number on the check.

    Save the stamp and deposit your check with our Mobile Banking app.

    Easily deposit checks from anywhere with your mobile phone or tablet using the device's built-in camera.

  • Can I pay my Meriwest Loan with an external account?

    Yes, you can make a payment on your Meriwest loan using a checking or savings account from another U.S. financial institution.
    Most Meriwest consumer and business loans are eligible, including auto, personal, solar, and home equity loans. 

    Mortgage loans and credit cards are not eligible.

  • Is there a fee to make a loan payment with an external account?

    Meriwest does not charge a fee for loan payments made from an external account.

  • Do I need to enroll in Paymentus to make a loan payment?

    No enrollment is required. You can choose from two convenient options: 

    • Customer Portal (CP): Located inside Online Banking (mobile or desktop): Payments → Pay External Loan
    • One Time Payments (ROTP)
Search