FACTS: What does RBFCU do with your personal information?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some, but not all, sharing. Federal law also requires us to tell you how we collect, share and protect your personal information. Please read this notice carefully to understand what we do.
The types of personal information we collect and share depend on the products or services you have with us. This information can include:
- Social Security number and income
- Account balances and payment history
- Credit history and credit scores
All financial companies need to share members' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members' personal information; the reasons RBFCU chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Does RBFCU share?
Can you limit this sharing?
For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
For our marketing purposes — to offer our products and services to you
For joint marketing with other financial companies
For our affiliates' everyday business purposes — information about your transactions and experiences
For our affiliates' everyday business purposes — information about your creditworthiness
For our affiliates to market to you
For our nonaffiliates to market to you
To limit our sharing
- Call 1-800-580-3300 (toll-free) and speak to a Member Service Representative.
- Visit a branch location and speak to a Member Service Representative.
If you are a new member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our member, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.
*Members cannot opt-out of receiving letters or other credit union communications that carry regulatory notices
Call 1-800-580-3300 (toll-free) or visit a branch location and speak to a Member Service Representative.
Who we are
Who is providing this notice?
RBFCU; RBFCU Services LLC; Kuper Realty Holding Company, LLC dba Kuper Sotheby's International Realty; Preserve Title Company LLC; RBFCU Appraisal LLC; RBFCU Assets LLC; RBFCU Insurance Agency LLC; RBFCU Investments Group LLC; RB Mortgage LLC; and RBFCU Realty LLC.
What we do
How does RBFCU protect my information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. Employees are trained on the importance of maintaining confidentiality and member privacy, and restricting access to nonpublic personal information.
How does RBFCU collect my personal information?
We collect your personal information, for example, when you:
- Open an account or deposit money
- Pay your bills or apply for a loan
- Use your debit or credit card
We also collect your personal information from others, such as credit bureaus, affiliates and other companies.
Why can't I limit all sharing?
Federal law gives you the right to limit:
- Sharing for affiliates' everyday business purposes — information about your creditworthiness
- Affiliates from using your information to market to you
- Sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
What happens when I limit sharing for an account I hold jointly with someone else?
Your choices only affect your sharing, not your joint owners.
Companies related by common ownership or control. They can be financial and nonfinancial companies.
- Affiliates include; RBFCU, RBFCU Services LLC; Kuper Realty Holding Company, LLC dba Kuper Sotheby's International Realty; Preserve Title Company LLC; RBFCU Appraisal LLC; RBFCU Assets LLC; RBFCU Insurance Agency LLC; RBFCU Investments Group LLC; RB Mortgage LLC; and RBFCU Realty LLC; CU Appraisal Services LLC; TruHome Solutions, LLC. We may also enter into agreements in the future with other companies that offer additional financial products for you to consider
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- Nonaffiliates we share with can include companies for credit cards, direct marketing, data processing, online services for bill payment, account setup, deposit and mobile services and identity protection. We may also enter into agreements in the future with other companies that offer additional financial products and services for you to consider.
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- Our joint marketing partners include direct marketing companies, credit card companies and other financial institutions.
RBFCU User Agreement
At Randolph-Brooks Federal Credit Union (RBFCU), we employ state of the art security technology to help ensure that accounts and transactions performed on Online Banking are safe and secure. As part of that process, we retain the services of third party agencies to review our security measures and test our site's security. In addition, we are subject to NCUA regulations and we encrypt all information transmitted between our host computer and members' computers.
Online Banking User Agreement
The purpose of this Online Banking User Agreement (the "Agreement") is to govern the use of RBFCU's Online Banking financial services. Services provided by Online Banking are also governed by any other agreement(s) members may have with RBFCU, including, but not limited to, our current "Membership and Account Agreement", loan agreement(s), and any amendments or changes made to this Agreement. Services provided by Online Banking are further governed by any and all applicable federal and state regulations. By using any Online Banking service, members agree to be bound by the terms and conditions contained in this Agreement or any other agreement for services you may choose to use.
In the event of a dispute between RBFCU and a member, the member agrees to be bound by the statutes of the state of Texas and applicable federal law. The member further agrees to submit to nonbinding arbitration prior to any dispute being submitted.
Definitions of Terms Contained in this Agreement
Business Day - Monday through Friday, excluding federal holidays.
"We", "our", "us", shall refer to RBFCU.
"You" and "your" shall mean or refer to the person or persons whose name(s) appear on the account or the registered account owner(s) on the electronic application to be accessed under this Agreement, Online Banking User Agreement. Current "Membership and Account Agreement"; the most recent "Membership and Account Agreement" issued by RBFCU or posted on our website.
Online Banking Services
Online Banking allows you to access account information and initiate transactions from an account. These services may include as applicable, but are not limited to:
- View account information for checking, savings, money market, certificate, IRA, Roth IRA, loan accounts and credit cards.
- Transfer funds between accounts within RBFCU. This includes accounts that list you as an account owner and also as a non-account owner.
- Transfer funds to accounts outside of RBFCU.
- Deposits may be made by a scanner or taking a photo via Mobile Deposit service.
- Make payments on RBFCU loans associated with your account number.
- Open checking account and money market account on an established primary savings account.
- Apply for a consumer loan.
- Request a Line of Credit or MasterCard advance.
- Make a payment to third parties via RBFCU ePay service.
- Request information, report account problems, or order checks.
- Request eDocuments (electronic statements, notices and disclosures).
- Add, change, delete your account profile information such as your physical addresses, email and text message addresses.
- Report lost/stolen debit card.
- Notify us of travel plans.
By initiating a transfer or payment through Online Banking, you authorize RBFCU to withdraw the amount of the requested funds from your account in order to complete the transaction.
You agree that requests received by RBFCU via an authorized user of Online Banking, including, but not limited to, requests pertaining to account information, new account services, new loans, and changes to accounts are legally authorized by the member. As such, RBFCU shall be entitled to consider that such requests have the same legal authority as a written request signed by you for such information, services, or actions.
Members are strongly encouraged to take measures to safeguard their financial information. Members should protect all personal computing devices including PC's, laptops, smartphones, tablets, etc. You agree to maintain up-to-date antivirus/malware software on all personal computing devices you use to access Online Banking to protect your sign in credentials from being compromised. If you fail to maintain up-to-date antivirus/malware software on your PC, you may be responsible for any losses associated with your compromised sign in credentials. In addition, you may be responsible for any unauthorized transactions based on information obtained and used by an unauthorized individual to impersonate you, the authorized Online Banking User.
You agree to perform updates of your computer's software programs when the software vendor notifies you. Updating the software you regularly use on your PC helps to control the risks of your sign in credentials being compromised and used without your knowledge or authorization.
You agree to develop passwords that are secure and periodically change these passwords. RBFCU recommends you develop strong passwords, which include a combination of letters and numbers.
Additional security measures include:
- Not sharing passwords
- Installing applications from only trusted sources
RBFCU will not call you and request your sign in credentials. We will not email you and ask you to verify your user id or password. If this occurs, please contact us immediately at 1-800-580-3300 or (210) 945-3774.
Online Banking Services
Call us at either 1-800-580-3300 or (210) 945-3774. Our Online Banking Services personnel are available to help you Monday through Friday 7:00 a.m. to 7:00 p.m. and Saturday 8:30 a.m. to 4:00 p.m. Central Time.
If you have a general question about accounts, you can email questions to email@example.com. If you have specific questions about your account or transactions on your account, we encourage you to send us a secure message once you are logged on to Online Banking because email may not be secure. You may also send it to us at: Member Services, Randolph Brooks Federal Credit Union, PO Box 2097, Universal City, TX 78148-2097. RBFCU is not responsible for any losses to our members associated with an email or letter sent by regular mail, which we did not receive.
Notify us at once at 1-800-580-3300 or (210) 945-3774 if you believe your password has been stolen or compromised. Also, if you believe your password has been stolen or compromised, change your password immediately then contact RBFCU by phone. If you cannot change your password then call us to report the issue.
Transfers within the same account number or another account the member is on, initiated via Online Banking, are FREE of charge. Unlimited transfers are allowed from Checking to other accounts. However, federal regulations limit transfers to 6 per month from each Savings Account and 6 per month from each Money Market Account. Other transactions may incur a fee, and all fees are clearly stated when applicable. Please refer to your Membership and Account Agreement for a listing of all applicable fees.
Electronic Funds Transfer Errors
In case of errors or questions about electronic transfers between RBFCU accounts, members may contact Member Services at firstname.lastname@example.org; call us at 1-800-580-3300 or (210) 945-3774; or write us at Member Services, Randolph-Brooks Federal Credit Union, PO Box 2097, Universal City, TX 78148-2097.
General Website Disclaimer
The Online Banking service is made available to our Members as a service. We have worked hard to provide a secure environment in which to conduct business. We also strive to provide accurate and useable information. RBFCU disclaims any warranties, endorsements, or representations, expressed or implied, related to any product, service advertisement or other information contained, distributed, downloaded or linked from this site. We also accept no responsibility for any malicious code or computer viruses that may infect your computer. Products and services on this site are to be used at your own risk with no obligations or liabilities by RBFCU. It is the sole discretion of RBFCU to modify or change any information on this web site or limit product availability and/or services. RBFCU is not responsible for compromised sign in credentials due to malware, virus or any other method by which your sign in credentials are compromised.
RBFCU Online Security
Information security and online safety is important for all RBFCU members. The security of your online information is one of our top priorities. The RBFCU Information Security Team constantly monitors potential threats to our online and mobile platforms. Here are some simple procedures you can perform to keep you and your family secure while using the internet.
Use complex passwords for all accounts. The following are guidelines for complex passwords:
- Use a minimum of 10-12 characters.
- Use a combination of uppercase and lowercase characters.
- Use special characters, like @, !, $ and #.
- Use passphrases and substitute characters. For example, using the first letters of every word and substituting letters to make your password (example: "RBFCU is the best credit union ever!" turns into R1t8Cn3!).
- Change your passwords on a regular basis.
- For additional information and training please see our RBFCU Member Training, Education and Awareness module
Additional steps to protect your computer
Here are some key steps you can follow to help protect your computer from intrusion.
Install and update your anti-virus software
Anti-virus software is designed to prevent malicious software programs from installing on your computer. If it detects malicious programs, like a virus or a worm, it works to disarm or remove it. Viruses can infect computers without user knowledge. Most types of anti-virus software can be set up to update automatically.
Keep your firewall on
A firewall helps protect your computer from hackers who might try to gain access to delete information, or steal passwords or other sensitive information. Software firewalls are widely recommended for individual computers.
Be careful what you download
Carelessly downloading email attachments can circumvent even the most vigilant anti-virus software. Never open an email attachment from someone you don't know, and be wary of forwarded attachments from people you do know. They may have unwittingly advanced malicious code.
Install and update your anti-spyware technology
Spyware is software that is secretly installed on your computer to let others see your activities on the computer. Some spyware collects information about you without your consent or produces unwanted pop-up ads. Be wary of ads on the internet offering downloadable anti-spyware.
Keep your operating system up to date
Computer operating systems are periodically updated to stay in tune with technology requirements and to fix security holes. Be sure to install the updates to ensure your computer has the latest protection.
Turn off your computer
With the growth of high-speed internet connections, many opt to leave their computers on and ready for action. The downside is that being "always on" renders computers more susceptible to attack. Beyond firewall protection, which is designed to fend off attacks, turning the computer off effectively severs an attacker's connection.
How to keep your mobile devices secure
RBFCU's mobile app and mobile-friendly site are designed to keep members connected to the credit union no matter where they are. Please take a moment to review our mobile security tips to help keep your devices safe and connected.
Wi-Fi has become more common and available in public areas such as restaurants. There is always a risk with "free"" and "open" wireless for these devices, just like for laptops. Anyone can set up an open Wi-Fi network allowing anyone to access unsecured data that travels on it. Although your RBFCU Mobile app is communicating securely, there are other apps that do not. If you have reused your online banking password on those unsecured sites, that information might be compromised. Avoid open networks and never reuse your online banking password anywhere.
Most smartphones and tablets sold today provide encryption and password-locking capabilities. We recommend you use them, especially when you have chosen to store your login credentials on any mobile apps including online banking, social media and shopping. Without this protection, your device may provide a thief with the access necessary to make fraudulent transfers and purchases.