Auto Pay
Auto Pay
When you set up auto pay, you never have to worry about missing a payment. Your payment will be automatically paid from the same bank or payment card account each month.
Important:
- Auto pay is tied to your billing cycle. After you set up auto pay, it will go into effect when you receive your next billing statement.
- Are you trying to set up auto pay when you have a current statement balance? You can go ahead and set it up, but be sure to pay your current balance by one-time payment or you may incur late fees. Auto pay will start for your next bill.
- If you have multiple Midco accounts, you must set up auto pay separately for each account. A single auto pay will not cover multiple billing statements.
- When you enroll in auto pay, you’ll still receive a paper bill unless you’ve also separately enrolled in paperless billing.
- If you haven’t signed up for paperless billing yet, we encourage you to do so. You’ll get an email and/or text from us when your next statement is ready.
- If you experience issues trying to make a payment online, you may need to disable your browser's pop-up blocker, as it may be preventing the payment window from displaying.
- You can choose what date to pay your balance via auto pay – as early as ten days before your due date. Payments can't be scheduled after your due date.
- If you are on an auto pay/paperless billing offer, you must be enrolled in auto pay from a stored bank account, like a checking or savings account, to receive the full monthly discount. Removing or altering either auto pay or paperless billing will result in an increase to your estimated monthly bill. Other auto pay and paperless billing restrictions may apply.
Auto Payment Options
You can set up recurring payments on any of the following:
- Checking account
- Savings account
- Credit card (Visa, Mastercard or Discover)
- Debit card
Enroll in Auto Pay
You can set up auto payments in any of these ways:
- Log in to My Account.
- Complete the EFT authorization form included in your monthly statement – and mail it to Midco with a voided check or savings deposit slip. Note: Submitting the EFT authorization form fulfills the stored bank account (ACH) requirement for those on an auto pay/paperless billing offer.
- Call and speak to a Midco representative at 1.800.888.1300.
- Log in to My Account or the My Account App.
- In the navigation bar, tap Billing. A new window will load for payment management.
- Tap the Menu icon in the upper left corner of the app. Select Wallet.
- Tap Add Payment Method.
- Select Bank Account, Debit Card or Credit Card.
- Bank Account: Select the account type and then enter your account and routing number.
- Debit or credit card: Enter your card number and expiration date.
- Add a Nickname for the payment method if desired.
- Confirm or update your First Name and Last Name on the payment method.
- Enter the zip code for your debit or credit card.
- Add a Description for your wallet item if desired.
- Tap Save.
- Tap Auto Pay.
- Tap Add Auto Pay.
- Select the Account Number.
- Select the wallet item to use for recurring payments in the Pay With dropdown.
- Tap Edit Auto Pay Details to modify your start and end dates and your payment date.
- Defaults are set to start on the next billing cycle, continue until further notice and pay on the due date.
- Tap Save.
The Auto Pay page displays your recurring payment details.
What to Expect Next
- Auto pay will go into effect when you receive your next billing statement. If you have a current balance on your account, be sure to make a one-time payment for that amount or you may incur late fees if your balance is not paid by the due date.
- Your next billing statement (via mail or e-statement PDF) will display the following: “Total Amount Due – Do Not Remit” on the return stub.
- If you haven’t signed up already, we encourage you to enroll in paperless billing. You’ll receive an email and/or text when your bill is ready.
Change Auto Pay Card or Account
Follow the steps below to update, change or remove Midco auto pay payment method in My Account.
You can also call and speak to a Midco representative at 1.800.888.1300.
Important note: If you delete a payment account that is currently used for auto pay:
- Your scheduled payments in progress will be processed unless you cancel them separately. If you wish to cancel these payments, do so before removing the payment method.
- Your future recurring payments will be cancelled if you remove your card or bank account. You will need to re-enroll to continue with auto pay.
Edit payments
- Log in to My Account or the My Account app.
- In the navigation bar, tap Billing. A new window will load for payment management.
- Tap the Menu icon in the upper left corner of the app. Select Payments.
- Tap Edit Payment. Make changes as needed.
- Tap Continue.
- Tap Pay button.
Cancel payments
- Log in to My Account or the My Account app.
- In the navigation bar, tap Billing. A new window will load for payment management.
- Tap the Menu icon in the upper left corner of the app. Select Payments.
- Tap on the payment you would like to cancel.
- Tap Cancel Your Payment.
- Tap OK to confirm cancellation.
You can switch your payment account from a credit/debit card to a checking or savings account (or vice versa), but keep in mind these important notes:
- You need to delete your old payment account before setting up a new one – or you could have double payments removed.
- Delete the payment account you wish to remove – and enter the account you want to add.
- If you are on an auto pay/paperless billing offer, you must be enrolled in auto pay from a stored bank account (ACH), like a checking or savings account, to receive the full monthly discount. Removing or altering either auto pay or paperless billing will result in an increase to your estimated monthly bill. Other auto pay and paperless billing restrictions may apply.
