Paying your Menards Big Card online, by phone, or by mail
You can pay your Menards Big Card bill through three main routes: online through your account, by phone with a customer service representative, or by mailing a check. The online method is fastest and shows your payment immediately. Phone payments work the same day if you call before the cutoff time, usually in the afternoon. Mail takes 7 to 10 business days to reach Menards and post to your account, so plan ahead if you're close to your due date.
Your payment goes to a lockbox address, not directly to a Menards store. This means mailed payments take longer than in-person payments would, even though Menards doesn't accept payments at store locations. The due date printed on your statement is the date Menards expects the payment to arrive, not the date you mail it—so if your due date is the 15th and you mail on the 10th, you're cutting it close.
Key Takeaways
- Online payment through your Menards account is the fastest method and shows as posted within one business day.
- Phone payments can be made by calling the number on your statement, and the payment posts the same day if you call before the afternoon cutoff.
- Mailed checks should arrive at the lockbox address on your statement at least 10 days before your due date to avoid late fees.
- Late payments trigger a fee and can raise your interest rate, so setting up automatic payments prevents missed due dates.
- Your minimum payment is listed on your statement, but paying more than the minimum reduces interest charges over time.
Paying online through your Menards account
Log into your Menards account on the Menards website or mobile app, then select "Pay Bill" or "Make a Payment" from the account menu. You'll enter the amount you want to pay and choose your payment method—debit card, credit card, or bank account. Payments made before 11:59 p.m. Central Time typically post to your account by the next business day.
Online payments are free and don't require you to set up anything in advance. You can pay any amount from your minimum payment up to your full balance. If you don't remember your login, use the "Forgot Password" link on the Menards website to reset it before you try to pay.
Paying by phone
Call the customer service number on the back of your Menards Big Card or on your statement. A representative will ask for your card number and the amount you want to pay, then guide you through entering your payment method. Phone payments are free and post the same day if you call before the cutoff time, which is typically 5 p.m. Central Time on business days.
Phone payments work with debit cards, credit cards, or bank account information. Have your card or bank details ready before you call. If you call after hours, you may be able to leave a message or use an automated system, but the payment won't post until the next business day.
Paying by mail
Write a check for the amount you owe and mail it to the lockbox address shown on your statement. Include your account number on the check. Mail your payment at least 10 days before your due date to give it time to arrive and be processed. Payments mailed closer to the due date risk arriving late and triggering a late fee.
Keep a copy of your check or note the check number and amount in case you need to track the payment. If your payment doesn't show up within two weeks of mailing, contact Menards customer service with your check number and mailing date so they can investigate.
Setting up automatic payments
Automatic payments remove the risk of forgetting a due date. Log into your Menards account online, go to "Automatic Payments" or "Recurring Payments," and choose whether you want to pay your full balance or a set amount each month. You'll provide your bank account information and select the date the payment should post each month.
Automatic payments are free and post on the date you choose. You can change or cancel them anytime through your account. If you set up automatic payments for your minimum payment, you'll still pay interest on your remaining balance—paying more than the minimum reduces the total interest you pay over time.
What happens if your payment is late
A payment is late if it doesn't arrive by your due date. Menards charges a late fee, usually between $25 and $35 depending on your account terms. Late payments also trigger a higher interest rate on your balance, which can last for several months even after you catch up.
If you miss a payment, contact Menards as soon as possible. Some situations allow the late fee to be waived, especially if it's your first late payment. Paying the full amount owed plus the late fee stops additional fees from accumulating, but the higher interest rate may remain until you've made several on-time payments in a row.
Understanding your statement and minimum payment
Your Menards Big Card statement shows your current balance, minimum payment due, and due date. The minimum payment is the smallest amount Menards requires you to pay by the due date to keep your account in good standing. Paying only the minimum means you'll pay interest on the remaining balance and take much longer to pay off the card.
The statement also shows your interest rate, any recent purchases, and your available credit. If you've made a recent payment, it may take one or two business days to show on your statement. Your due date is typically 21 to 25 days after your statement closes, giving you time to receive the statement and arrange payment.
Frequently Asked Questions
Can I pay my Menards Big Card at a store?
No, Menards doesn't accept card payments at store locations. You must pay online, by phone, or by mail. This is standard for credit cards issued by third-party lenders, which Menards' card is.
What if I pay online but the payment doesn't show up?
Online payments typically post within one business day. If more than two business days have passed and the payment still doesn't appear, contact Menards customer service with your confirmation number from the payment. They can track it and confirm it was received.
Can I pay more than my minimum payment?
Yes, you can pay any amount up to your full balance. Paying more than the minimum reduces your interest charges and helps you pay off the card faster. There's no penalty for paying early or paying more than required.
Is there a fee for paying by phone or online?
No, Menards doesn't charge a fee for phone or online payments. Mail payments are also free, though they take longer to arrive and post.
What if my due date falls on a weekend or holiday?
Your due date is typically a business day. If it falls on a weekend or holiday, Menards usually extends it to the next business day. Check your statement or contact customer service to confirm the actual due date for your account.