ROUTING #307086701

Buy now, pay later

More flexibility for the things you buy every day.

View My Payment Options

Flexible Payments With the Card You Already Use.

Buy Now, Pay Later (BNPL) from Meridian Trust gives you more room in your budget when you use your debit card. Make your purchase wherever you shop, then choose to spread the cost over time. To get started, log in to digital banking and look for the “Buy Now, Pay Later” option. You can review your available offers in seconds, pick the plan that works for you, and receive the funds in your account almost instantly.

Use your debit card anywhere you shop

Spread larger purchases into manageable payments

See and manage all your plans and payments in one place

Getting Started

    • Make your purchase with your debit card
    • Open online banking or the mobile app and select “Buy Now, Pay Later” under the Loans tab
    • Choose which purchase you want to split over time
    • Pick the installment plan that fits your budget
    • Your funds are deposited back into your account within 24 hours

FAQs

Where do I see my BNPL offers?

You’ll see your BNPL offers under “Loans” > “Buy Now, Pay Later” in your online banking or the mobile app. If you don’t see any offers, it means you don’t have any qualifying transactions or your account isn’t eligible at this time.

Which transactions qualify for BNPL?

  • Debit card purchases used to pay for bills and expenses, whether online or in-store, may qualify for a BNPL payment plan. You can also use BNPL for travel, school supplies, new clothes, and more. Loan payments such as mortgages, auto, and credit cards do not qualify, nor do payments to third-party BNPL providers or cash transactions such as ATM withdrawals. Some members may qualify for up to 5 BNPL plans at one time.

What repayment terms and amounts are available?

  • You can choose the repayment plan that works best for you, with automatic or manual payments.
  • $100–$200 purchases: 3 or 6 months
  • $201–$999 purchases: 3, 6 or 9 months
  • $1,000–$2,000 purchases: 12 or 15 months

Transactions over $2,000 are not eligible for BNPL offers

Will BNPL impact my credit score?

No, Meridian Trust will not run a credit check for BNPL.

Why don’t I see any BNPL offers?

  • Several factors can prevent a transaction or account from qualifying for BNPL. These may include:
  • The purchase amount was either too low or above the program limit.
  • The transaction was made at a non-eligible merchant category, such as ATM withdrawals, cash advances, money transfer services, restaurants, taverns, nightclubs, gas stations, and similar businesses.
  • The account has been overdrawn too often, typically three or more times within the last 60 days.

    What else should I know?

    BNPL charges a fixed Annual Percentage Rate of 16.00%. Members have a 10-day grace period after the payment due date where no late fee is charged. After the grace period ends, a $15 late fee will be incurred.

    Questions?

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    307.635.7878

    DISCLOSURES: Only certain transactions between $100 and $2,000 will qualify. Loan payments (mortgage, auto, credit card, etc.), payments to third-party BNPL providers, or cash transactions such as ATM withdrawals are not eligible. Some merchant types do not qualify for BNPL, including ATM withdrawals, cash advances, cash or money transfer services, restaurants, taverns, nightclubs, gas stations or more. Members with accounts which have been overdrawn in Non-Sufficient Fund (NSF) status 3 or more times in the last 60 days are not eligible for BNPL. Member accounts must meet average daily balance requirements to qualify. Valid on in-store and online purchases when you use your Meridian Trust debit card. Some members may qualify for up to 5 active BNPL plans at a time. Meridian Trust will not run a credit check in order to see if you qualify. Repayment term options are: 3 or 6 months for transactions between $100-$200; 3, 6, or 9 months for transactions between $201-$999; and 12 or 15 months for transactions between $1,000 and $2,000. Once a repayment plan is selected it cannot be changed. There is no early payoff penalty. You’ll be charged a 16.00% Annual Percentage Rate for each BNPL payment plan. Late payments will incur a $15.00 late fee after the 10-day grace period. Membership eligibility required. If you’re not already a member, it’s easy to qualify. Ask to join today!