Buy Now, Pay Later

Same debit card, more flexible payments

• Use your debit card whenever and wherever you shop
• Manage your budget by spreading larger expenses over time
• Review and manage all plans, offers and payments in one place

Getting started

• Make purchases with your debit card
• Check Buy Now, Pay Later in your Digital Banking dashboard
• View available offers on eligible purchases
• Decide which purchases you would like to split over time
• Select the installment plan that works for you
• See your purchase amount deposited back into your account within 24 hours

Frequently Asked Questions

• Where can I find my BNPL offers? BNPL offers are found in ACU of Texas Online Banking from the "Buy Now, Pay Later" tab. From the Mobile App, you can find "Buy Now, Pay Later" when you click on the Menu (hamburger) icon.
• Why can't I see any BNPL offers? If you do not see any BNPL offers, this may be because your current account status or your recent debit card purchases are not eligible for BNPL. If you already have active BNPL plans, you may not be eligible for additional offers until the active plans are paid back.
• What is an eligible purchase? An eligible purchase is a debit card purchase made in the past 60 days that is at least $100 and was not a cash equivalent purchase (e.g., ATM withdrawal, money order, cash advance, etc.). Other restrictions surrounding the merchant type and transaction limits may affect BNPL eligibility. 
• Does BNPL require a credit check? No, ACU of Texas' debit card BNPL offering does not require a credit check.