How to Use SmartPay to Make & Update Loan Payments

Use our SmartPay portal to make loan payments, add or change accounts, and more!

How to Create an User Account

1. Go to ExtracoBanks.com
2. Click on the orange Secure Login button at the top right corner of the page
3. Select Loan Payment from the dropdown menu
4. When you arrive on SmartPay, select Create an Account
5. Under User Registration, fill in your preferred username as well as your information
6. Once registered, your browser will send you back to the Loan Payment Home Screen
7. A temporary password will be sent to your email address from EPSCustomerSupport@jackhenry.com
8. Using your temporary password, log into the SmartPay portal and create a new password.

How to Make a Payment Without a User Account

1. Go to ExtracoBanks.com
2. Click on the orange Secure Login button at the top right corner of the page
3. Select Loan Payment from the dropdown menu
4. When you arrive on SmartPay, select Make a Payment
5. Enter your first name, last 4 of social, and date of birth
6. Once your loan information appears, click Pay on the right side of the loan status
7. The system defaults to the total amount due, but you can specify another amount
8. Once payment amount is correct, select Continue
9. On the next screen, you may select Review Payment Options to return to the previous screen
10. Fill in the required fields
11. View the Confirmation page to ensure everything is correct
12. Click Agree & Submit

Note: Payments submitted after 3:00pm will be processed the next business day.

How to Adjust Payment Accounts

1. To adjust saved payment accounts, customer must have a user account. 
2. Login to SmartPay using the credentials created above
3. When in the platform, select Edit Payment Options at the top right of the screen
4. From the list of saved Payment Options, click the arrow on the right side of the list
5. Select Edit
6. Modify any of the saved fields and push Update to save your changes
7. To delete a payment option, simply click Delete
8. To add a payment option, click + Add Payment Option