Banking at RBFCU

RBFCU is the credit union where you save time, save money and earn money!

All it takes is $1 deposited into a savings account and you can start building your financial home at RBFCU. Members love our Really Free Checking Account, tiered-dividend Money Market accounts and savings and checking for business owners. With more than 4,000 ways to qualify for membership, joining the credit union is easy! Open an account online or visit an RBFCU branch.

Piggy bank with a coin about to go inside

Savings accounts

RBFCU offers options to help you meet your financial goals, including savings accounts that yield guaranteed dividends. You can expand your savings horizons with higher-yield certificates, tiered-dividend or traditional Money Market accounts, or traditional or Roth IRAs.

Check and debit card

Checking account

RBFCU members enjoy a Really Free Checking Account with no monthly maintenance fees and no required minimum balance. Plus, you can get started right away with digital issuance of our Freedom Debit Card!

Briefcase with dollar sign in circle

Business accounts

RBFCU empowers business owners with business checking and savings accounts. Plus, you have access to RBFCU merchant services, including point-of-sale technology, payroll processing and website design. You can also apply for a business loan to start or grow your business!

You’re busy! RBFCU banking options make life easier.

RBFCU members always have banking services at their fingertips — safe and secure — through our Online Banking platform and the RBFCU Mobile app. Deposit checks, pay bills or transfer funds through your mobile device or at home, and set payment card usage Alerts through our Manage Cards feature!

  • How do I qualify for membership with RBFCU?
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    There are several ways to qualify for membership with RBFCU. Common ways to qualify for membership include your employer, place of worship, community organization, neighborhood or school. You may also qualify through immediate family members who are part of the credit union (spouse, children, parents, siblings, stepchildren, adopted relatives, etc.). You can complete a short online application to see if you qualify for membership.

    If you are unable to qualify through any of the options listed above, you may contact us and our Member Service Specialists can help you determine if there are additional opportunities to qualify.

  • Why do I have to qualify for membership?
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    Unlike banks that are open to anyone, laws require credit unions like RBFCU to have a defined field of membership, which means you have to be a member to access the products and services credit unions provide. There are a variety of ways to qualify based on where you work, live, worship or attend school. When you become a member of RBFCU, you take advantage of lower loan rates, higher dividends on deposits and lower fees.

  • What is RBFCU's checking account routing number?
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    RBFCU's routing number is 314089681.

  • How does RBFCU pay checks and other transactions?
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    Checks and debits are presented against your Account by posting transactions according to a processing schedule. For ACH and Electronic Check processing, credit transactions are posted first throughout the day followed by debit transactions, regardless of the dollar amount of the item.

  • How is a Money Market different from a savings account?
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    A Money Market account typically earns a higher yield than a traditional savings account. Money Market accounts also usually require a higher minimum balance.

Membership eligibility is required. Programs subject to change; other restrictions may apply. Photo ID required for all transactions at any RBFCU branch.