BNPL offers are found in Digital Banking within the "Pay & Transfer" menu.

Desktop: Click “Pay & Transfer” to expand the menu.

Mobile app: Tap “More” and then tap “Pay & Transfer” to expand the menu.

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.

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.

No, USF CU's debit card BNPL offering does not require a credit check.