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PRO$PER Pay

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Let’s Talk PRO$PER Pay

If you’ve ever wished you could break up a big purchase into smaller, budget-friendly payments—without the hassle of applying for a new loan, Associated Credit Union has your back. Our PRO$PER Pay feature gives you flexible options to handle your spending without wrecking your cash flow. Here’s a quick breakdown:

Two Ways to Use PRO$PER Pay
ACU provides two ways to use PRO$PER Pay within Online and Mobile Banking:

1.  Plan Your Purchase
This is for when you’re about to purchase an item but want to spread the cost over time. Need a new appliance or a new television, or want to make that splurge a little easier on your wallet? This is your go-to.

2.  Split Your Payments
Already swiped your ACU debit card and found your budget slightly tighter than expected? No worries. This lets you retroactively break eligible purchases into smaller payments after making them.


How to Access Your PRO$PER Pay Offers (It’s Easier Than Ordering Coffee)
  1. Log in to Online Banking or the ACU Mobile App.
  2. Find PRO$PER Pay in your account dashboard.
  3. Check out your pre-qualified offers and pick the repayment plan that fits your vibe.
  4. Accept the terms, and boom—funds land in your account fast.

The Best Part Is There Is...
  • No credit check – ACU already knows you, so we’re not digging through your credit history.
  • No application – Seriously, no forms. Your offers are already waiting for you.
  • No new cards or accounts – Keep using your ACU checking account* and debit card you already use.
  • You manage everything in one spot – Payments, plans, and offers all live inside your Online Banking or the ACU Mobile App.
 

Offer(s) valid to Primary Members ONLY. PRO$PER Pay Split Your Payments require an ACU debit card affiliated with an ACU checking account. PRO$PER Pay Split Your Payments is a personal loan based on eligible debit card purchases. *Simple Checking, PRO$PER Checking, Associated Checking, and PrimeTime Checking are eligible checking accounts. Lend-A-Hand Checking and HSA Checking are not eligible for PRO$PER Pay offers. 

Eligibility terms and conditions apply to include membership, account, and transaction.  Choose your plan duration up to 12 months.  Pay for your purchase over time with a Fixed Annual percentage Rate (APR).  There are no fees for members with qualifying accounts to participate in Pro$per Pay other than those incurred for late payment.