Savings Deposits
Understand regular deposit contributions, payment references, transaction confirmations and the importance of checking that a payment reaches the correct member account.
Read deposit guidance
Member Banking & Transactions
Mobile Banking & Member Transactions
Explore how to manage your EPZA SACCO savings, understand deposits and withdrawals, review the published payment channels, and get assistance with your transactions.
Download App
Android application (APK)
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Secure member access
Banking information for members
Manage your SACCO transactions with confidence.
EPZA SACCO provides savings and credit facilities to its members. This page brings together practical information about depositing savings, making payments, understanding withdrawals, repaying loans and getting help when a transaction requires clarification.
Whether you are enquiring about a mobile transaction or visiting the SACCO office, always confirm the applicable procedure before sending money or requesting a withdrawal.
This is an information page. It does not log you
into a member account or execute financial
transactions.
Transact carefully
Verify details and keep your records.
Member Transaction Guide
Choose the transaction information you need
Use these guides to prepare for a transaction, understand the information to keep, and identify when to contact EPZA SACCO.
Withdrawals
Learn how to prepare for a withdrawal enquiry, confirm the applicable request process, provide the required information securely and follow up on a pending request.
Read withdrawal guidancePayment Channels
Review the bank details and Paybill number supplied for EPZA SACCO, and confirm the correct payment instructions before initiating a transfer.
View published detailsLoan Repayments
Find out what to check when making a loan repayment, including the loan reference, payment evidence and confirmation of how the payment has been allocated.
Read repayment guidanceMobile Access
Learn how to approach mobile banking enquiries safely. Obtain the official app name, access instructions and any supported digital transaction steps directly from the SACCO.
Read mobile access guidanceTransaction Assistance
Find guidance for pending deposits, missing credits, withdrawal enquiries and payment discrepancies.
Get transaction assistance
Mobile Banking
Accessing digital banking services
Before using a mobile banking service, confirm the official access method with EPZA SACCO.
Before you use a mobile service
Confirm the correct service and protect your account.
Members who wish to transact digitally should first establish which mobile banking facilities EPZA SACCO currently supports and which services are available for their membership.
- Confirm the official platform. Contact the SACCO to verify the approved mobile application, website, USSD service or other digital channel, where available.
- Confirm registration requirements. Ask whether registration, member identification, a registered telephone number or any additional verification is required.
- Verify the services offered. Confirm whether the platform supports balance enquiries, deposits, withdrawals, transfers, loan repayments or statement requests.
- Follow the official instructions. Use only instructions supplied or confirmed by EPZA SACCO. Do not rely on unofficial application links or unverified codes.
- Keep transaction evidence. Retain the transaction reference, confirmation message and other relevant records.
App and USSD details
An official app name, download link, USSD code and step-by-step login process have not been provided in the supplied information. Contact EPZA SACCO to obtain the correct instructions.
Savings & Deposits
How to make a deposit to EPZA SACCO
Regular savings help members build their financial base. Use the appropriate deposit process and retain evidence of every payment.
Start by identifying the purpose of your payment
A payment may relate to regular member deposits, Christmas savings, loan repayment, share capital or another approved obligation. Confirm the correct payment reference and allocation instructions before sending money.
Confirm your payment details
Check the correct destination, amount, member identification or reference required by the SACCO. Confirm whether the payment is for deposits, Christmas savings, loan repayment or share capital.
Choose a confirmed channel
Use a payment method confirmed by EPZA SACCO, such as an approved mobile payment service, bank deposit, bank transfer or another authorised method.
Save your confirmation
Keep the payment receipt or transaction message. If the amount does not appear in your member records, the confirmation can help the SACCO investigate the transaction.
Depositing through a mobile channel
General preparation for a digital payment.
- Open only the mobile payment service you have verified as official.
- Confirm the recipient or payment details before proceeding.
- Enter the amount you intend to pay.
- Use the member number or payment reference specified by the SACCO, where required.
- Review the details displayed before confirming the transaction.
- Save the transaction confirmation and reference number.
- Contact EPZA SACCO if the payment is successful but has not been reflected in your records after the applicable processing period.
These are general precautions, not verified screen-by-screen instructions for an EPZA SACCO mobile app or USSD service. Confirm the exact process with the SACCO.
Depositing at a bank or in person
Keep your payment identifiable and traceable.
- Confirm the current bank account or office payment procedure with EPZA SACCO.
- Identify the type of payment you are making.
- Complete the relevant bank or payment instructions accurately.
- Include the member reference or account information requested by the SACCO.
- Obtain the bank slip, receipt or other payment evidence.
- Retain a copy until the transaction has been confirmed in your member records.
- Contact the SACCO if you need help tracing or allocating the payment.
Confirm whether the office accepts the payment method you intend to use and whether a separate deposit instruction or form is required.
Savings Contributions
Know which savings facility you are paying into
Correct payment identification helps ensure that your contribution is recorded against the intended savings facility.
Regular Deposit Contributions
Regular deposits help members maintain a consistent savings habit and build their financial base.
Minimum monthly contribution stated by the SACCO
KSh 1,500
- Use the payment reference confirmed by the SACCO.
- Keep a record of the amount and payment date.
- Check that the payment is reflected in the appropriate member record.
- Ask the SACCO how to handle missed or incorrectly allocated contributions.
Christmas Savings
The Christmas savings facility helps members plan for December festivities and end-of-year expenses.
Monthly contribution
Flexible amount
- The supplied SACCO information states that members may save any amount monthly.
- Clearly identify the payment as a Christmas savings contribution.
- Keep the confirmation for every contribution.
- The supplied information states that the savings are paid back in December before the Christmas holiday closure.
Confirm the current contribution allocation and applicable payout arrangements directly with the SACCO.
Share capital is a separate member obligation.
The supplied membership information states share capital of KSh 10,000 payable within 24 months. Confirm the correct allocation instructions before making a share capital payment.
Withdrawals & Member Requests
How to enquire about or request a withdrawal
The applicable withdrawal process depends on the type of funds, the member's circumstances and the SACCO's current rules.
Withdrawal through a digital channel
First confirm whether the service is supported.
- Contact EPZA SACCO to confirm whether a mobile withdrawal facility is currently available for your account and the relevant type of funds.
- Ask how to authenticate a withdrawal request and whether registration or additional verification is required.
- Confirm the permitted withdrawal method, applicable limits, charges and processing time before submitting the request.
- Use only the official channel and follow the verified instructions supplied by the SACCO.
- Review the requested amount and destination details carefully before authorising the transaction.
- Retain the request reference and confirmation message, where provided.
- Follow up with the SACCO if the request remains pending beyond the stated processing period.
The exact app screens, authentication steps, withdrawal limits and supported transfer destinations have not been supplied. Obtain the current instructions from EPZA SACCO before proceeding.
Withdrawal enquiry at the SACCO office
Prepare your request and supporting details.
- Contact or visit the SACCO office to request the applicable withdrawal procedure.
- Explain the type of funds you wish to access and the reason for your enquiry, where relevant.
- Ask which request form, identification document or supporting records are required.
- Complete the official request documents and ensure your member details are accurate.
- Submit the request through the channel directed by the SACCO and obtain acknowledgement or a reference where available.
- Confirm the applicable approval process, payment method and expected processing period.
- Keep the acknowledgement and follow up through official SACCO contacts if clarification is needed.
This is a preparation guide, not a statement of a guaranteed approval process or payment timeline. The SACCO must confirm the actual requirements.
Before submitting a withdrawal request
- Confirm which type of funds you are requesting.
- Ask about eligibility and any restrictions.
- Confirm the correct request form and identification requirements.
- Verify any applicable charges or processing timelines.
- Confirm the approved payment destination and method.
- Retain your request reference and supporting records.
Payment Information
EPZA SACCO payment channels
The details below are reproduced from the information supplied for this page. Confirm that the details and the intended payment instructions remain current before transferring money.
Verify before paying.
Bank account details and Paybill information can be sensitive to changes. Contact EPZA SACCO using a trusted contact channel to confirm the recipient, payment reference and allocation instructions before making a transaction.
Co-operative Bank
Branch
Kitengela Branch
Account number supplied
01120040151400
Before making a deposit or transfer, confirm the account name, branch and any member-specific payment reference required by EPZA SACCO.
Verify bank detailsEquity Bank
Branch description supplied
EPZA Branch
Account number supplied
1490268540156
Confirm the account name, branch details and payment reference with the SACCO before making a deposit or bank transfer.
Verify bank details
Mobile payment information
EPZA SACCO Paybill
The supplied SACCO information lists Paybill number 720948. Before using it, verify the correct recipient and confirm the account or member reference required for your particular payment.
- Confirm the recipient before entering a payment.
- Ask which member number or reference to use.
- Check the amount and details before authorising.
- Save the resulting transaction confirmation.
Paybill number supplied
720948
Verify the details with EPZA SACCO before paying.
Do not assume the payment reference.
A member number, account number, loan reference or other identifier may be required depending on the payment. The exact Paybill account-entry instructions were not supplied. Confirm them with EPZA SACCO before completing your transaction.
Credit Facilities
Making loan repayments
Correctly identifying a loan repayment helps the SACCO trace the transaction and allocate it to the appropriate member obligation.
Repayment preparation checklist
Confirm the payment details before sending money.
- Confirm the amount due. Refer to the repayment information or contact the SACCO if you are unsure of the current amount.
- Confirm the correct payment destination. Use the bank or mobile payment details that EPZA SACCO has verified as current.
- Identify the loan. Ask which member number, loan account or reference must accompany the repayment.
- Check the payment before authorising. Review the recipient, amount and reference.
- Keep the transaction record. Save the payment confirmation and reference.
- Check allocation. If your loan record does not reflect the payment, contact the SACCO with the transaction evidence.
A payment confirmation alone does not establish how the SACCO has allocated the payment. Request clarification if your loan balance or repayment record does not match your expectations.
In-Person Assistance
When you need to visit the SACCO office
Some enquiries may require staff assistance, supporting documents or confirmation of your member records.
Prepare your details
Have your member details and relevant transaction reference available. Ask the SACCO which identification documents or forms are required for your particular enquiry.
Explain the request
Clearly state whether you need help with a deposit, withdrawal, missing transaction, savings allocation, loan repayment or another member service.
Keep the acknowledgement
Where the SACCO provides a receipt, request acknowledgement or reference, keep it safely so that you can follow up if necessary.
Office location supplied
EPZ Road, Athi-River EPZ, Kenya
Contact the SACCO
Contact the SACCO before visiting to confirm current office arrangements and the department that handles your enquiry.
Transaction Records
Keep track of your payments
Good transaction records make it easier to explain a discrepancy and help the SACCO trace a payment.
What to keep
- Transaction confirmation message or bank receipt.
- Transaction reference or receipt number.
- Date and amount of the transaction.
- The payment channel used.
- The intended payment purpose, such as deposits or loan repayment.
- Any acknowledgement or follow-up reference supplied by the SACCO.
How to report a discrepancy
- Check the payment confirmation and ensure you have the correct transaction reference.
- Confirm the amount, date and intended payment purpose.
- Contact EPZA SACCO using its official contact details.
- Provide the reference and supporting evidence requested by the SACCO.
- Ask for a follow-up reference or next steps where applicable.
- Keep a record of the enquiry until the issue is resolved.
Share evidence carefully.
Submit receipts, identification documents and member information only through a verified SACCO channel. Never publish sensitive account information or authentication credentials in public messages.
Protect Your Money
Mobile banking security and fraud prevention
Take a moment to verify every transaction. Protecting your credentials and confirming payment details can help reduce the risk of fraud and mistakes.
Protect your credentials
Keep your PINs, passwords and one-time authentication codes private. Do not share them with callers or people claiming to be support staff.
Verify who contacts you
If a person requests sensitive information or asks you to move money urgently, independently contact EPZA SACCO through a trusted contact channel before responding.
Review every payment
Confirm the recipient, payment reference and amount before approving a transaction. Do not proceed if the details appear inconsistent.
Avoid unverified links
Do not install banking applications from unknown sources or enter credentials on pages reached through suspicious messages.
Keep evidence safely
Retain payment receipts and transaction references. Store records securely and avoid sharing them with people who do not need them.
Report suspicious activity
If you suspect fraud, an unauthorised transaction or compromised credentials, contact the SACCO promptly through a verified channel.
Concerned about a transaction?
Contact EPZA SACCO promptly and explain what happened.
Help & Troubleshooting
What to do when a transaction does not go as expected
Start by retaining your evidence and contacting the SACCO through an official channel. Avoid repeating a payment until you have checked its status.
Payment is pending
Keep the transaction reference and check the status with the payment provider, where appropriate. Contact the SACCO to confirm whether the payment has been received.
Money appears to have been deducted
Save the confirmation and contact the relevant payment provider and EPZA SACCO for guidance. Do not assume that a deduction automatically means the member account has been credited.
Payment is not reflected in your records
Confirm the amount, date, payment reference and intended allocation. Contact the SACCO with the supporting evidence so that the transaction can be investigated.
Payment was sent using incorrect details
Contact the payment provider and the SACCO immediately for instructions. Provide the transaction reference through a verified channel. Reversal or recovery is not guaranteed.
Withdrawal has not been processed
Ask the SACCO to confirm the status, whether additional information is required and the applicable processing arrangements. Keep your request acknowledgement.
You suspect unauthorised access
Contact the SACCO and the relevant service provider promptly using verified contact details. Follow their instructions to secure the affected account or payment service.
Common Questions
Mobile Banking FAQs
Answers to common questions about deposits, withdrawals, payment references and transaction assistance.
Need a specific answer?
Contact EPZA SACCO to confirm current procedures, account details and any requirements specific to your member account.
Contact the SACCO
The official app name and download link
were not included in the supplied
information. Contact EPZA SACCO to confirm
whether a mobile application is available
and obtain the correct access instructions.
The supplied information lists Paybill
number 720948. Verify that it is current
and confirm the correct recipient and
account-reference instructions with the
SACCO before making a payment.
The supplied membership information states
a minimum monthly deposit contribution of
KSh 1,500. Confirm the current requirement
and payment reference directly with EPZA
SACCO before paying.
The supplied information lists a Paybill
number, but does not provide complete
instructions for every mobile payment
service. Confirm the supported method,
recipient and account-reference format
with EPZA SACCO before proceeding.
Contact EPZA SACCO to confirm the withdrawal
procedure for the type of funds involved.
Ask about eligibility, required forms or
identification, approval requirements,
charges and the expected processing period.
This page does not confirm that withdrawals
are available through a mobile application.
Keep the transaction confirmation and
reference. Contact the SACCO through a
verified channel and provide the transaction
details requested for investigation. Avoid
repeating the payment until you have
checked its status.
Confirm the accepted repayment channels,
current payment destination and required
loan reference with EPZA SACCO. Retain the
transaction confirmation and check that
the payment has been allocated correctly.
The supplied information does not specify
mobile transaction charges, withdrawal
limits or processing timelines. Confirm
the applicable terms with EPZA SACCO
and the relevant payment provider before
initiating a transaction.
Contact the SACCO to confirm the current
office payment arrangements and accepted
payment methods before visiting. Keep
any receipt or acknowledgement issued
for the transaction.
Use the SACCO's published contact page or
verify the contact details directly with
the Society. Provide your transaction
reference through a trusted channel and
never disclose your PIN, password or
one-time authentication code.
Explore More
Other EPZA SACCO member services
Continue to the relevant section for membership, savings, loans, forms or assistance.
Member Support
Need help with a deposit, withdrawal or payment?
Contact EPZA SACCO to verify transaction instructions, clarify payment details or obtain assistance with a member service.