SpendFlex

A Better Buy Now, Pay Later Solution

Watch our SpendFlex Q&A

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
  

  

Here's how it works!

• Make purchases with your debit card
• Go to the SpendFlex section of your FedFinancial online banking or mobile app dashboard
• View available SpendFlex 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 to your account within 24 hours

Frequently Asked Questions

• Where can I find my SpendFlex offers?
  • SpendFlex offers are found in FedFinancial Online Banking in the SpendFlex section on the main Dashboard. If you do not see a SpendFlex section, see our quick video: How to add SpendFlex to your Online Banking Dashboard
• Why can't I see any SpendFlex offers?
  • If you do not see SpendFlex offers, this may be because your current account status or your recent debit card purchases are not eligible for SpendFlex. If you already have active SpendFlex 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 90 days that is at least $80 and was not a cash or cash equivalent purchase (e.g., ATM withdrawal, money order, cash advance, etc.). Other restrictions surrounding the merchant type and transaction limits may affect SpendFlex eligibility.
• Does SpendFlex require a credit check?
  • No, FedFinancial's debit card SpendFlex offering does not require a credit check.