Credit/Debit Card and ACH (eCheck) Payments

Automated Clearing House (ACH) is an electronic withdrawal of funds from a checking or savings account for an authorized amount. This type of withdrawal is also known as an eCheck payment.

Credit/debit cards may be used for initial premium payments on new business and subsequent payments on multi-pay plans. We will also accept credit/debit cards for early pay-up amounts.

eCheck is not available for new business payments but can be used for ongoing premiums on multi-pay plans and for early pay-up amounts. For new business payments, we encourage our agents to utilize online enrollment that uses similar eCheck functionality.

No, payments are accepted only on active billing policies for the current premium due.

No, only direct-billed policies can be accepted.

The cardholder will pay the fee. The Homesteaders payment amount and the fee charged by Simply Easier Payments will be separated on the cardholder’s credit card statement. The Homesteaders payment will show as Homesteaders and the fee as Simply Easier Payments.

Any fee charged and collected over and above the premium amount is charged and collected by Simply Easier Payments and is not submitted to or collected on behalf of Homesteaders.

Yes. If cancellation occurs within 30 days of payment, the security and delivery fees will be refunded.

We accept American Express, Discover, Mastercard and Visa.

Yes, the Direct Express Mastercard works just like any other debit card.

The security code used by American Express is called a CID (card ID) and is the four-digit, non-embossed number printed above the account number on the face of your card. This is the number that should be entered in the CVV box when using an American Express card.

No, only one policy per transaction is allowed. If paying multiple policies, separate transactions must be entered for each policy/insured.

No, the entire payment amount must be entered as one transaction. Failure to comply with this requirement may jeopardize your ability to make future credit/debit card payments.

Yes, a recurring payment option is available when you select “Pay a Premium on My Current Policy” from the payment selection screen. After entering the current payment details and your card information, you will be directed to the next screen where you can check the box requesting to have your account charged on a recurring schedule. You must then create an account under the “Manage Your Profile” section. Future payments will be charged to your card on the premium due date. Note: You will continue to receive billing notices from Homesteaders while on the recurring payment option.

From the main menu, select “Modify My Recurring Payment Option.” You will then have the option to update your account profile, add or update the credit card on file or cancel a recurring payment that has already been scheduled.

Please contact our customer service phone team at 800-477-3633 and request a form to set up an automatic payment plan. You will need to provide a voided sample check for the appropriate bank account along with a completed authorization form. This form is also available on the Policy Owner Forms page of our website.

Our customer service phone team members can answer all of your payment related questions. Feel free to call them at 800-477-3633.