Almost every U.S. mortgage servicer lets you pay by eCheck - an ACH draft from your checking or savings account - usually free, online or by phone, with AutoPay to avoid late payments. We confirmed the 19 lenders and servicers below. Ally was removed because it no longer services home loans.

Rocket Mortgage

AutoPay or one-time ACH payment from checking or savings through the Payment Center.

Chase Home Lending

Automatic or one-time ACH payments from a checking account.

Wells Fargo Home Mortgage

Automatic electronic withdrawal from any checking or savings account (ACH).

Bank of America Home Loans

PayPlan AutoPay from checking/savings or one-time ACH via Online Banking, at no charge.

PNC Bank

Pay from a PNC or non-PNC checking/savings account (ACH) - same-day, future-dated, or recurring, no fee.

U.S. Bank

AutoPay from checking or savings, plus one-time online or phone bank payment (ACH).

Citi

Pay your mortgage from a linked bank account (ACH) online or by phone (serviced by Cenlar).

Truist

Recurring or one-time ACH from a checking or savings account online or by phone.

Flagstar Bank

AutoPay or one-time ACH from a bank account through MyLoans.

NBKC Bank

ACH loan payments and free recurring AutoPay from a checking account.

Rate (Guaranteed Rate)

Auto Debit ACH from checking or savings, with a 0.25% autopay discount.

Andrews Federal Credit Union

ACH from checking or savings via Digital Banking, Express Pay, or the Automatic Payment Program.

Better Mortgage

ACH AutoPay and one-time payments through servicer ServBank/LoanCare.

loanDepot

AutoPay direct debit from checking, plus one-time payments via the Service Portal or app.

NewRez

Recurring ACH autodraft (bi-weekly, semi-monthly, or monthly) or one-time online bank payment; services former Caliber loans.

Navy Federal Credit Union

Easy Pay AutoPay ACH from checking, plus one-time online, app, or phone payments.

SoFi

ACH AutoPay or one-time payment from a U.S. checking account via the Home Loan Servicing Portal.

New American Funding

Monthly or bi-weekly automatic ACH from a checking or savings account through MyLoan.

Guild Mortgage

Free ACH AutoPay from a checking account, plus one-time online or app payments.

Frequently asked questions

Can I pay my mortgage with an eCheck?

Yes. Almost every U.S. mortgage servicer lets you pay by eCheck - an ACH draft from your checking or savings account - online or by phone, one-time or as AutoPay.

Do mortgage lenders charge a fee for ACH payments?

Usually no. Standard ACH or AutoPay from a bank account is free at most servicers; some even give a small autopay rate discount. Fees appear mainly for expedited or phone-agent payments.

Does Rocket Mortgage accept eCheck?

Yes. Rocket Mortgage lets you make one-time or automatic ACH payments from a checking or savings account through its online Payment Center.

Is AutoPay from a bank account safe for mortgage payments?

Yes, and it helps you avoid late fees. AutoPay pulls the exact amount by ACH on the due date; you can change or cancel it in your servicer's portal.

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