Skip-a-Payment allows you to defer your usual monthly loan payment (on eligible loans) without affecting your credit rating. The missed payment is simply added to the end of your loan term, for example, making a 60-month loan a 61-month loan. It's a great option for months when money is tight. To access the Skip-a-Payment form you will want to take the following steps: Log into your account through Digital Banking. Select the MESSAGE CENTER Select Compose from the menu at the top. Select "SKIP A PAYMENT" from the drop down list to the right of Subject. Select the account from the drop down list to the right of Account. Provide us with the information requested in the message and press the Send Message button.