HELOCs operate on a monthly billing cycle, similar to a credit card. The minimum payment is calculated at the beginning of each cycle, and that payment is due before the next cycle begins.

For example, let's say your due date is the first of the month, and we are in the month of March. The payment amount is calculated at the end of the business day on March 1, and that payment must be paid in full before the end of business day on April 1. At the end of the day on April 1, a new payment amount is calculated and that payment must be paid in full before the end of business day on May 1, and so on.

If a payment is not made on time, any unpaid amounts from the previous cycle are added to the current cycle's minimum payment amount. There are multiple ways to find out your payment amount and due date. You will receive a billing notice every month stating the minimum payment amount and when it is due. This will be mailed to you unless you are enrolled in eDocuments. The amount due and next due date can also be verified by viewing your account online through Digital Banking or by contacting us.

You can make your auto loan payment through Digital Banking(online or moblie app) or make a one-time guest payment online. 

Digital Banking

Online

• Log in to your Digital Banking account 
• Hover over "Transfer & Pay" in the top navigation
• Click 'Transfer & Loan Pay"
• Choose a "From Account" from the drop-down or select "Add Account" to pay from an external account
• Select your auto loan account from the "To Account" drop-down -Choose the payment amount
• Set the frequency (you can make a one-time payment or a recurring payment)
• Add a memo, if you like
• Click the "Review Transfer" button
• Make sure everything is accurate, and click the "Submit Transfer" button

Mobile App 

• Log in to the mobile app
• Tap the "Transfers" icon on the bottom navigation
• Tap the "Make a Transfer" image -Choose a "From Account" from the drop-down or select "Add Account" to pay from an external account
• Select your auto loan account from the "To Account" drop-down
• Choose the payment amount -Set the frequency (you can make a one-time payment or a recurring payment)
• Add a memo, if you like
• Tap the "Review Transfer" button
• Make sure everything is accurate, and tap the "Submit Transfer" button

One-time Online Payment

Make a One-time Guest Payment Using an External Bank Account

• Access Landmark Online Loan Payments to make a one-time guest payment using your loan account number and the last four digits of your Social Security Number (SSN).
• From the “Funding Account Details” drop-down, select “New Bank Account.”
• Enter your account information.
• Select the payment date.
• From the “Payment Details” drop-down, choose your payment amount.
• Select the “Continue” button.
• Review your payment details.
• Select the “Confirm” button.
• Once you see the successful payment confirmation, you can choose between the options “Make Another Payment” or “End My Session.”

Make a One-time Guest Payment Using a Debit Card
Please note that you well be charged a $5.95 processing fee if you choose this payment method.

• Access Landmark Online Loan Payments to make a one-time guest payment using your loan account number and the last four digits of your Social Security Number (SSN).
• From the “Funding Account Details” drop-down, select “New Card Account.”
• Enter your account information.
• Select the payment date.
• From the “Payment Details” drop-down, choose your payment amount.
• Select the “Continue” button.
• Review your payment details.
• Select the “Confirm” button.
• Once you see the successful payment confirmation, you can choose between the options “Make Another Payment” or “End My Session.”

Yes, you can! You have the option to establish a recurring transfer from a checking account at another financial institution to your Landmark loan. Here's how you can set it up:
Digital Banking

• Log in to your Digital Banking account.
• Hover over "Pay & Transfer" from the top navigation.
• Click "Transfers & Loan Pay."
• Under the "From account" drop-down, select "Add Account" to pay from an external account.
• Choose your auto loan from the "To Account" drop-down.
• Choose the amount you want to pay from the "How Much" drop-down. You'll see options such as regular amount, amount due and "other" for a custom amount.
• Under "When" choose the frequency. You can make a one-time payment or set up recurring payments.
• Add a memo, if you like.
• Click the "Review Transfer" button.
• Make sure everything is accurate, and then click the "Submit Transfer" button.

Mobile App

• Log in to the mobile app.
• Tap the "Transfers" icon on the bottom navigation.
• Tap the "Make a Transfer" image.
• Under the "From Account" drop-down, select "Add Account" to pay from an external account.
• Choose your auto loan from the "To Account" drop-down.
• Choose the amount you want to pay from the "How Much" drop-down. You'll see options such as regular amount, amount due and "other" for a custom amount.
• Under "When" choose the frequency. You can make a one-time payment or set up recurring payments.
• Add a memo, if you like. -Tap the "Review Transfer" button.
• Make sure everything is accurate, and then tap the "Submit Transfer" button.

You can also set up recurring monthly payments by visiting a branch and completing the necessary forms. Bring a voided check from the account you would like the payments to be withdrawn from. This method typically takes 3-4 business days to process.

If you have additional questions, please contact us

Yes! Making a payment is easy through Landmark's Digital Banking(online or mobile app). If you aren’t registered for Digital Banking, you can also make a one-time payment using an external bank account or debit card.

Make a Payment in Digital Banking Online

• Log in to your Digital Banking account.
• Hover over "Pay & Transfer" from the top navigation.
• Click "Transfers & Loan Pay."
• Choose a "From Account" from the drop-down or select "Add Account" to pay from an external account.
• Choose your loan from the "To Account" drop-down.
• Choose the amount you want to pay from the "How Much" drop-down. You'll see options such as regular amount, amount due and "other" for a custom amount.
• Under "When" choose the frequency. You can make a one-time payment or set up recurring payments.
• Add a memo, if you like.
• Click the "Review Transfer" button.
• Make sure everything is accurate, and then click the "Submit Transfer" button.

Make a Payment in the Mobile App

• Log in to the mobile app.
• Tap the "Transfers" icon on the bottom navigation.
• Tap the "Make a Transfer" image.
• Choose a "From Account" from the drop-down or select "Add Account" to pay from an external account.
• Choose your loan from the "To Account" drop-down.
• Choose the amount you want to pay from the "How Much" drop-down. You'll see options such as regular amount, amount due and "other" for a custom amount.
• Under "When" choose the frequency. You can make a one-time payment or set up recurring payments.
• Add a memo, if you like. -Tap the "Review Transfer" button.
• Make sure everything is accurate, and then tap the "Submit Transfer" button. Please note that for same-day loan payments, they must be received by 7:30 p.m. Central Time. Payments received after this time will be credited the next day. Late payment fees will be assessed on the last day of the grace period as of the cutoff time.

Make a One-time Guest Payment Using an External Bank Account

• Access Landmark Online Loan Payments to make a one-time guest payment using your loan account number and the last four digits of your Social Security Number (SSN).
• From the “Funding Account Details” drop-down, select “New Bank Account.”
• Enter your account information.
• Select the payment date.
• From the “Payment Details” drop-down, choose your payment amount.
• Select the “Continue” button.
• Review your payment details.
• Select the “Confirm” button.
• Once you see the successful payment confirmation, you can choose between the options “Make Another Payment” or “End My Session.”

Make a One-time Guest Payment Using a Debit Card
Please note that you well be charged a $5.95 processing fee if you choose this payment method.

• Access Landmark Online Loan Payments to make a one-time guest payment using your loan account number and the last four digits of your Social Security Number (SSN).
• From the “Funding Account Details” drop-down, select “New Card Account.”
• Enter your account information.
• Select the payment date.
• From the “Payment Details” drop-down, choose your payment amount.
• Select the “Continue” button.
• Review your payment details.
• Select the “Confirm” button.
• Once you see the successful payment confirmation, you can choose between the options “Make Another Payment” or “End My Session.”

You can easily make a Landmark mortgage payment from your account with Landmark or from another financial institution using Digital Banking or the mobile app. Same day mortgage payments must be received by 7:30 p.m. Payments received after this time will be credited the next day. Applicable late payment fees will be assessed on the last day of the grace period as of the cutoff time.

Make a Loan Payment Online in Digital Banking

1. Log in to your Digital Banking account.
2. Hover over "Pay & Transfer" from the top navigation.
3. Click "Transfers & Loan Pay."
4. Choose a "From Account" you want to make your payment from the drop-down. Select "Add Account" to pay from an external account.
5. Choose your mortgage loan from the "To Account" drop-down.
6. Choose the amount you want to pay from the "How Much" drop-down. You'll see options such as regular amount, amount due and "other" for a custom amount.
7. Under "When" choose the frequency. You can make a one-time payment or set up recurring payments.
8. Add a memo, if you like.
9. Click the "Review Transfer" button.
10. Make sure everything is accurate, and then click the "Submit Transfer" button.

Make a Loan Payment in the Mobile App

1. Log in to the mobile app.
2. Tap the "Transfers" icon on the bottom navigation.
3. Tap the "Make a Transfer" image.
4. Choose a "From Account" you want to make your payment from the drop-down. Select "Add Account" to pay from an external account.
5. Choose your mortgage loan from the "To Account" drop-down.
6. Choose the amount you want to pay from the "How Much" drop-down. You'll see options such as regular amount, amount due and "other" for a custom amount.
7. Under "When" choose the frequency. You can make a one-time payment or set up recurring payments.
8. Add a memo, if you like.

Make a One-time Guest Payment Using an External Bank Account

1. Access Landmark Online Loan Payments to make a one-time guest payment using your loan account number and the last four digits of your Social Security Number (SSN).
2. From the “Funding Account Details” drop-down, select “New Bank Account.”
3. Enter your account information.
4. Select the payment date.
5. From the “Payment Details” drop-down, choose your payment amount.
6. Select the “Continue” button.
7. Review your payment details.
8. Select the “Confirm” button.
9. Once you see the successful payment confirmation, you can choose between the options “Make Another Payment” or “End My Session.”

Make a One-time Guest Payment Using an External Bank Account
Please note that you will be charged a $5.95 processing fee if you choose this payment method.

1. Access Landmark Online Loan Payments to make a one-time guest payment using your loan account number and the last four digits of your Social Security Number (SSN).
2. From the “Funding Account Details” drop-down, select “New Card Account.”
3. Enter your account information.
4. Select the payment date.
5. From the “Payment Details” drop-down, choose your payment amount.
6. Select the “Continue” button.
7. Review your payment details.
8. Select the “Confirm” button.
9. Once you see the successful payment confirmation, you can choose between the options “Make Another Payment” or “End My Session.”

Loan Payoffs
Please note that loan payoffs for your mortgage cannot be made using the "loan pay" within DDigital
Banking (online or in the mobile app). Please contact us to obtain your payoff information.