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Holiday Skip A Pay

Celebrate the Season
Skip a Payment and Keep Your Holidays Bright

Keep more cash in your pocket this holiday season by skipping your November or December loan payment!  You can free up some money for Christmas shopping, traveling, or other expenses, and then you'll go right back to paying off your loan the following month.
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How to Participate 

  • Fill out a Skip A Pay Form
  • Submit the form 3 business days before your loan payment is due.

Skip A Pay Guidelines

  • A one-time fee of $35 per loan applies
  • Submission of the form does not guarantee program participation   

Qualifications:

  • All TopMark accounts must be current and in good standing.
  • Loans must be open for at least 6 months with 6 consecutive payments made.
  • Delinquent accounts are not eligible.

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If you choose to skip a payment, your current due date will be advanced one month forward, just as if you paid. Interest will continue to accrue on your loan during the skipped payment period and your loan maturity date will be advanced one month forward. All terms and conditions will remain the same and you'll resume your next regular payment. It’s that easy!

*For best results, please verify eligibility with a TopMark Representative before submitting your Skip-A-Payment form. 

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Non-Qualified Loans

Reward TopMark VISA®, all Real Estate Loans, Payday loans, Mobile Home loans or overdraft lines of credit, and loans included in a Bankruptcy are not eligible.   

Important Note:  If your loan payment is made through direct deposit, the payment will be deposited to your regular savings account.  If your payment is made by automatic debit from another financial institution it will be stopped for the month you are skipping and will be reinstated for the following month provided this request is received by TopMark at least 3 business days before the loan payment is due.  

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Ready to Skip? To request to skip your loan payment, you may:

1. Visit a branch OR
2. Print, fill out and, mail, email, or fax in the Skip A Pay Form!

Participating Information

By signing, I authorize TopMark FCU to advance my loan payment due date by one month and understand this will extend the maturity date of my loan(s).  A fee of $35 will be assessed per loan.  Interest and any charges for disability and/or life insurance will continue to accrue for any skipped month. 
Offer limited to two (2) skips per calendar year.  Secured loans are limited to six (6) skips over the life of the loan. If the loan includes Guaranteed Asset Protection (GAP), skipping a loan payment will reduce any GAP claim filed during the loan's life.  Refer to your GAP contract for applicable limits. This offer only applies to any loan refinanced or originated at least six (6) months before the skip-a-pay request date.