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What is the difference between the Pre-Authorized Payment Plan, and the Electronic Payment Program?

With the Pre-Authorized Payment Program, a predetermined amount is debited from your bank Account, on the payment due date each month. This payment option is only available to Consumer or Small Business Card Accounts.

The Electronic Payment Program is a flexible payment option where payments can be made immediately or scheduled up to 25 days. Each payment must be authorized by you to process via Online Services or by calling the number on the back of your Card. It is important to ensure your payment is scheduled for processing by the payment due date of your Account to avoid a late payment.