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 3,000 ways to qualify for membership, joining the credit union is easy! Open an account online or visit an RBFCU branch.


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!

Banking FAQs

  • How do I qualify for membership with RBFCU?

    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?

    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?
    RBFCU's routing number is 314089681.
  • How does RBFCU pay checks and other transactions?

    We pay all checks and debits on your checking account in order of arrival sequence throughout the day. We do not pay items according to dollar amount of the item or by transaction type (debit, check or ACH).

  • How is a Money Market different from a savings account?

    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.