Smart Pay - Mascoma Bank

Smart Pay

Mascoma Bank Deposit Account Customers

  • Digital Banking:  Sign up for Mascoma Bank Digital Banking.  Obtain an Digital Banking account which will allow you to transfer money from your Mascoma Bank deposit account to pay your loan online.
  • Automated Funds Transfer(AFT):  Where monthly payment will be automatically withdrawn from your Mascoma Bank deposit account on a set date.  Visit your local Mascoma Bank location or call 888-MASCOMA(627-2662) for assistance.
  • Quick Voice:  Make a payment through our telephone banking system any time, including after hours.  Call (603) 448-3650 or 888-MASCOMA(627-2662). Select Quickvoice-option 2.

Mascoma Bank Non-Deposit Account Customers

  • Automated Clearing House (ACH):  Where monthly payment is automatically withdrawn from your deposit account from another financial institution on a set date.  Visit your local Mascoma Bank location or call 888-MASCOMA(627-2662) for assistance.
  • Online SmartPay:  Make a one-time payment or set up recurring payments to automatically be withdrawn from your deposit account at another financial institution.

Other Payment Options

  • US Postal Service:  Send your monthly payment via mail – send a check with your name and loan number to:

Mascoma Bank
PO Box 4279
White River Junction, VT 05001

Holiday Closures

Mascoma Bank will be closed on Saturday, May 23, 2026, and Monday, May 25, 2026, in observance of the Federal Holiday. Our digital Banking and ATM's will be available to meet your banking needs. We apologize for any inconvenience.

You may experience intermittent service disruptions to Digital Banking on Sunday, May 17, between 7 a.m. – 7 p.m. CT. The disruptions could last for up to 20 minutes at a time.

Mascoma Bank and Androscoggin Bank Announce Plans
for a Multi-Bank Mutual Holding Company Structure