Total Visa Credit Card Payment Options

Paying Your Total Visa Credit Card

There are 7 ways which you can pay your Total Visa Unsecured Credit Card. These include personal checks, money orders, cashier's check, checking and savings account, debit card, moneygram and PayNear Me.

You can pay via snail mail, online with www.myccpay.com, through their mobile app, via phone and retail stores that have MoneyGram and PayNearMe.

In this tutorial, we will go through each payment instrument and method because depending on how you pay, it may affect the availiability of your credit after you bill payment. Total Visa can withhold your payment from your credit limit depending on which way you pay.

Guaranteed vs Non-Guaranteed Funds

Before we go on, you first have to understant that Total Visa classifies payment methods you use into guaranteed and non-guaranteed funds. If you pay via a method that is considered guaranteed funds, your credit limit will be immediately available. If your payment method is considered a non-guaranteed fund, your payment may bw withheld from your credit limit for up to 14 days.

Guaranteed Funds - Guaranteed Funds include Bank Money Orders, Cashier's Check, payment via MoneyGram and PayNearMe. If you pay using any of these methods, your funds will be available after your payment.

Non-guaranteed Funds - Non-guaranteed funds include personal checks, debit cards, checking or savings account. It does not matter whether you pay via your phone, pay online or from your mobile app. Any of these payment methods are considered non-guaranteed funds and are subject to a payment hold of up to 14 days.

7 Types of Payment Instruments

Below is table summarizing the different types of instruments you can use to pay your Total Visa Bill.

Payment Instrument	Guaranteed or Non-Guaranteed Funds	Payment Hold	Payment Method
Personal Check	Non-Guaranteed Fund	Up to 14 Days	Mail
Money Order	Guaranteed Funds	No Hold	Mail
Cashier's Check	Guaranteed Funds	No Hold	Mail
Debit Card	Non-Guaranteed Fund	Up to 14 Days	Online, App, Phone
Checking and Savings Account	Non-Guaranteed Fund	Up to 14 Days	Online, App, Phone
PayNearMe	Guaranteed Funds	No Hold	Retail Stores
MoneyGram	Guaranteed Funds	No Hold	Retail Stores

Payment with Personal Checks - While less people pay their credit card bills with personal check these days, this is still a choice available on all credit cards including Total Visa. Paying by personal checks are not considered guaranteed funds and you will be subject to a payment hold on your credit limit. Make sure you send your checks at least a week early to ensure USPO delivers on time before your due date.

Money Orders and Cashier's Check - Both money orders and cashier's check are considered guaranteed funds and credit will be available immediately after Total Visa process your payment. As with the personal checks, please mail them early with enough time before your due date.

PayNearMe or Moneygram - Total Visa accepts both PayNearMe or MoneyGram. Your payment will be processed within one business day and avoiding the payment hold of 14 days compared to other payment methods. PayNearMe Payments received before 5pm CT will be processed the same day. If it is received later than 5pm CT, it will be processed the next business day. MoneyGram payments received before 2:30pm CT will be processed on the same day. Once again, there are NO payment holds if you pay via PayNearMe or MoneyGram.

Please remember that these third party payment services may charge you a per transaction fee.

Checking or Savings Account - If you are paying your Total Visa bill with your checking or savings account, you can pay via their Mobile App, phone or by their online portal www.myccpay.com using your savings and checking account. You would need your bank account and routing number to pay this way. Payment with your checking or savings account may result in a payment hold of up to 14 days.

Payments Using Debit Card - Unlike many other credit cards, Total Visa allows you to pay via debit card. Debit cards can be paid via mobile app, via phone or on www.myccpay.com and are subject to a payment hold of up to 14 days.

Your Banks' Bill Pay - You can also use your own Bank's Bill Pay to pay your First Access bills. The Payee's name should be First Access and you would need to fill in your 16 digit First Access account number. Some banks may also require the remittance address, which is PO Box 5220, Sioux Falls, SD 57117-5220. Your bank's Bill Pay is also not considered a guaranteed fund and may be subject to up to a 14 day payment hold.

4 Different Methods to Pay

Method	Type of Payment
Mail	Personal Checks, Money Order, Cashier's Check
Mobile App	Checking and Savings Account, Debit Card
www.myccpay.com	Checking and Savings Account, Debit Card
Phone	Automated or Representative ($10)
Retail Stores	PayNearMe, Moneygram

Payment via Mail - You can pay via personal check, cashiers check or money order via mail. Using your personal check to pay is considered a non-guaranteed payment and is subject to a 14 day hold. Money Orders and Cashiers Check are considered guaranteed funds and there will be no payment holds. If you like to pay via mail, using a money order or cashiers check would be better. Be sure to mail your payments with enough time before the due date so you can avoid any late payment fees.

Pay via www.MyCCPay.com - www.myccpay.com is the website where you can manage your Total Visa credit card. You can use our checking or savings account (and routing number), debit card to pay your bills via www.myccpay.com and this is all done via ACH. Payments made through www.myccpay.com may be subject to a 14 day hold before credit is available in your account since checking, savings account and debit card are considered non-guaranteed funds. Aside from making payments, you can also check your statements and latest transactions on www.myccpay.com.

Autopay - You can set up autopay on www.myccpay.com. Autopay is the best payment method as you will always pay on time. However, setting up autopay requires your checking or savings account and since they are not guaranteed funds, even autopay is subject to a payment hold of up to 14 days.

Payment Using Phone - There are two ways of paying your bills over the phone. One is using the automated system and the other involves speaking to a representative. Speaking to a representative will cost you $10 per call per payment. You can use your checking, savings account or debit card when you pay via phone. As these methods are not guaranteed funds, you will be subject to a payment hold of up to 14 days.

Pay via Mobile App - Payment via the app has to be done with a checking or savings account (with routing number), debit card and is done via ACH. These payments made through the mobile app are also subject to a payment hold of up to 14 days as they are not considered guaranteed funds.

Retail Stores That Accept PayNearMe, MoneyGram - If you want to pay via PayNearMe and MoneyGram, you can go to retail stores that accept them.

How Should You Pay Your Total Visa Credit Card?

Most of you will have a preferred way of paying your credit card bills (or any bill for that matter). Some of you will always set up autopay, while others insist on paying via app. Some of you might want to use your debit card or moneygram. And most of you will not change the way you pay your bills. Having said that, the way you pay will affect how long will your payments be withheld from your credit limit. Hence, you may want to choose a payment method taking this into consideration.

No Payment Hold - If having your credit available immediately after you pay is very important to you, then paying by Money Orders, Cashier's Check, MoneyGram or PayNearMe is the way to go because you avoid the payments being withheld from your credit limit.

Autopay to avoid late payments - If you want to have the piece of mind of not ever missing a payment and always paying on time, then setting up autopay in www.myccpay.com is the way to go. You will however, experience a payment hold on your credit limit for up to 14 days (though most will just have a couple of days hold).

Paying via Mobile App and www.myccpay.com is fine - Since paying via either your Mobile App or www.myccpay.com involves paying with your checking or savings account or debit card, you will be faced with a payment hold. Hence, I would rather stick to setting up autopay instead. But if you are not an autopay type of person and like you pay your bills online every month, then I guess the app and online portal are the way to go.

Try to Avoid Paying via Phone - When you pay via phone, you can either do so with the automated answering call or with an actual representative. If you speak to a rep, it will cost you $10. I suggest you avoid paying via phone if possible.