Banking Frequently Asked Questions

Your questions, answered

We’ve collected some of the most frequently asked questions about our banking products and services, and grouped them by topic to make it easier for you to access the information you need to make informed financial decisions.

 

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Really Free Checking | Freedom Debit Card | 10¢ Cash Back Program | Chip Cards | Lost Debit Card | Overdraft Protection & Courtesy Pay | Savings | Certificates | RBFCU Choice Money Market | RBFCU Classic Money Market | IDProtect Plus | Individual Retirement Accounts (IRAs) | Online & Mobile Banking | Email & Text Alerts | Bill Pay | Bill Pay Single Sign-On | Online Deposits | Online Statements | RBFCU Mobile App | Apple Pay | Samsung Pay | ATMs | ID Requirement Policy | Back to all FAQs

 

REALLY FREE CHECKING

FAQ FAQs

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FREEDOM DEBIT CARD

FAQ FAQs

  • How different is a chip card?

    A chip card looks and performs very similarly to a traditional credit card. The main difference is the small metallic computer chip, or microprocessor, on the front of the card. The chip card is designed to be used with a chip-enabled terminal at the point of sale (POS). Depending on how the merchant’s processor is set up, you may be asked to enter a PIN for transactions you would traditionally sign for.

  • How do I activate my debit chip card?
    To select your PIN and activate your card, you must call 1-866-307-4655. Once the PIN has been selected, your card is ready for use.
    • If your card is reissued with the same number, you can activate your card by using the physical card. You do not need to call the IVR system.
    • If you were issued a new card number because your previous card was lost, stolen, or has been affected by fraud you will select a new PIN and activate the new card by calling 1-866-307-4655.
    Please note: You cannot activate your card with an online transaction or at a gas station.
  • How do I use a chip card at chip-enabled terminals?

    To use a chip-enabled terminal, the cardholder will insert their card into the bottom of the terminal and follow the prompts on the screen. The terminal will read the information contained in the chip, making sure the card is valid and authenticating it more securely.

  • 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).

  • I lost my card. What do I do?

    You can report your lost or stolen card by contacting us in one of the following ways:
    Phone: 1-800-580-3300
    Email: memberservices@rbfcu.org
    Online:
    1. Sign in to your Online Banking account.
    2. Under the “View Services” tab, under “Manage Cards,” select “Report Lost Cards.”
    3. Select the card that you want to report lost, then click “Next.”
    4. Select the appropriate option (e.g., "Report a Lost or Stolen Card," "Freeze Card," or "Replace Card").
    5. Verify the information for accuracy, and click “Submit.”
    6. If your card is connected to Samsung Pay or Apple Pay, remove the card from the devices.

  • If my physical RBFCU card is lost or was stolen and I have Apple Pay or Samsung Pay, what do I do?

    You can report your lost or stolen card by contacting us in one of the following ways:
    Phone: 1-800-580-3300
    Email: memberservices@rbfcu.org
    Online:
    1. Sign in to your Online Banking account.
    2. Under the “View Services” tab, under “Manage Cards,” select “Report Lost Cards.”
    3. Select the card that you want to report lost, then click “Next.”
    4. Select the appropriate option (e.g., "Report a Lost or Stolen Card," "Freeze Card," or "Replace Card").
    5. Verify the information for accuracy, and click “Submit.”
    6. If your card is connected to Samsung Pay or Apple Pay, remove the card from the devices.

  • My physical RBFCU card is lost or was stolen and I have Apple Pay. What do I do?

    You may report your lost or stolen card in the typical manner (sign in to your online banking account or contact a Payment Services fraud representative). Once you’ve reported the card lost, stolen, or compromised, you should then want to remove the card from your Apple Pay devices.

  • What are the advantages of chip card technology?

    Chip card technology provides stronger protection against fraudsters, in particular against “skimming,” a technique criminals use to copy data from a card's magnetic strip and create a counterfeit card. When a retailer uses a chip-enabled terminal, the chip technology, along with your PIN, encrypts the card data, which helps prevent your card information from being compromised.

    The chip provides additional security when the card and the merchant are EMV compliant.

  • What do I need to do to get a new chip card?

    All cards on your account will automatically be converted to the new RBFCU chip card at no cost and sent to you in the mail once your card is up for renewal. There will be no change to your interest rate for credit cards, or any other benefits on your account. To ensure delivery, please be sure RBFCU has your most recent address on file.

    To request a chip card before your card’s renewal date, you may contact our Member Service Center at 1-800-580-3300.

  • When will I receive a chip card?

    Credit cards: RBFCU began issuing chip credit cards in July 2015 and will continue to convert credit cards with new and reissued cards.

    Debit cards: RBFCU began converting debit cards in June 2016. Members will receive a new chip card once their traditional card(s) expire.

    However, members may request to receive a new credit or debit chip card prior to their card’s expiration by contacting the Member Service Center at 1-800-580-3300.

  • Why do I need a chip card?

    Chip card technology helps prevent fraudsters from capturing your card information from a card’s magnetic strip, when the merchant and card are EMV compliant. In addition, most U.S. merchants have converted to new chip-enabled terminals.

  • Will all merchants accept chip cards?

    All merchants were given the opportunity to be EMV compliant by Oct. 1, 2017. In the event that the merchant did not upgrade to chip-reader terminals, the merchant will be liable for any fraudulent transactions that take place at their locations.

    Gas stations will need to be EMV compliant by Oct. 1, 2020.

  • Will I still earn my rewards if I use Apple Pay?

    You will still earn 10 cents cash back on your purchase if you use your Freedom Debit Card to pay through Apple Pay. If you use your RBFCU CashBack Rewards Mastercard, you will still earn cash back rewards.

  • Will I still earn my rewards if I use Samsung Pay?

    You will still earn 10 cents cash back on your purchase if you use your Freedom Debit Card to pay through Samsung Pay. If you use your RBFCU CashBack Rewards Mastercard, you will still earn cash back rewards.

  • Will the chip card prevent data breaches or fraud?

    While no technology is completely foolproof, chip technology provides an added level of security and makes it more difficult for data to be compromised. The computer chip within the card, when used at an EMV compliant terminal, offers more security by encrypting the card information which prevents fraudsters from gaining information from the magnetic strip.

    While EMV cards will provide an extra level of security, it is still best to be aware of the terminals where you use your card.

  • Will the debit chip card require a PIN?

    Chip-enabled terminals may require a PIN number to complete transactions on the debit card.

    Important: While the PIN will be necessary to complete most transactions, the merchant should not ask for your PIN. Your PIN should NEVER be shared with anyone and should always be kept confidential when processing any transaction. If a merchant asks for your PIN, do not give it to them under any circumstance. Please ask the merchant to extend their terminal to reach you so that you can enter your PIN. If you are in a drive-thru and the terminal cannot reach you, you may have to go inside so that you can enter your PIN and complete the transaction. However you may be able to bypass the enter PIN option if the merchants terminals are able to complete the request.

  • Will there be a fee to receive a new chip card?

    No. There are no fees associated with receiving a new chip card.

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10¢ CASH BACK PROGRAM

FAQ FAQs

  • Will I still earn my rewards if I use Apple Pay?

    You will still earn 10 cents cash back on your purchase if you use your Freedom Debit Card to pay through Apple Pay. If you use your RBFCU CashBack Rewards Mastercard, you will still earn cash back rewards.

  • Will I still earn my rewards if I use Samsung Pay?

    You will still earn 10 cents cash back on your purchase if you use your Freedom Debit Card to pay through Samsung Pay. If you use your RBFCU CashBack Rewards Mastercard, you will still earn cash back rewards.

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CHIP CARDS

FAQ FAQs

  • When will I receive a chip card?

    Credit cards: RBFCU began issuing chip credit cards in July 2015 and will continue to convert credit cards with new and reissued cards.

    Debit cards: RBFCU began converting debit cards in June 2016. Members will receive a new chip card once their traditional card(s) expire.

    However, members may request to receive a new credit or debit chip card prior to their card’s expiration by contacting the Member Service Center at 1-800-580-3300.

  • Why do I need a chip card?

    Chip card technology helps prevent fraudsters from capturing your card information from a card’s magnetic strip, when the merchant and card are EMV compliant. In addition, most U.S. merchants have converted to new chip-enabled terminals.

  • How different is a chip card?

    A chip card looks and performs very similarly to a traditional credit card. The main difference is the small metallic computer chip, or microprocessor, on the front of the card. The chip card is designed to be used with a chip-enabled terminal at the point of sale (POS). Depending on how the merchant’s processor is set up, you may be asked to enter a PIN for transactions you would traditionally sign for.

  • What are the advantages of chip card technology?

    Chip card technology provides stronger protection against fraudsters, in particular against “skimming,” a technique criminals use to copy data from a card's magnetic strip and create a counterfeit card. When a retailer uses a chip-enabled terminal, the chip technology, along with your PIN, encrypts the card data, which helps prevent your card information from being compromised.

    The chip provides additional security when the card and the merchant are EMV compliant.

  • Will all merchants accept chip cards?

    All merchants were given the opportunity to be EMV compliant by Oct. 1, 2017. In the event that the merchant did not upgrade to chip-reader terminals, the merchant will be liable for any fraudulent transactions that take place at their locations.

    Gas stations will need to be EMV compliant by Oct. 1, 2020.

  • Will the debit chip card require a PIN?

    Chip-enabled terminals may require a PIN number to complete transactions on the debit card.

    Important: While the PIN will be necessary to complete most transactions, the merchant should not ask for your PIN. Your PIN should NEVER be shared with anyone and should always be kept confidential when processing any transaction. If a merchant asks for your PIN, do not give it to them under any circumstance. Please ask the merchant to extend their terminal to reach you so that you can enter your PIN. If you are in a drive-thru and the terminal cannot reach you, you may have to go inside so that you can enter your PIN and complete the transaction. However you may be able to bypass the enter PIN option if the merchants terminals are able to complete the request.

  • How do I activate my debit chip card?
    To select your PIN and activate your card, you must call 1-866-307-4655. Once the PIN has been selected, your card is ready for use.
    • If your card is reissued with the same number, you can activate your card by using the physical card. You do not need to call the IVR system.
    • If you were issued a new card number because your previous card was lost, stolen, or has been affected by fraud you will select a new PIN and activate the new card by calling 1-866-307-4655.
    Please note: You cannot activate your card with an online transaction or at a gas station.
  • How do I use a chip card at chip-enabled terminals?

    To use a chip-enabled terminal, the cardholder will insert their card into the bottom of the terminal and follow the prompts on the screen. The terminal will read the information contained in the chip, making sure the card is valid and authenticating it more securely.

  • Will the chip card prevent data breaches or fraud?

    While no technology is completely foolproof, chip technology provides an added level of security and makes it more difficult for data to be compromised. The computer chip within the card, when used at an EMV compliant terminal, offers more security by encrypting the card information which prevents fraudsters from gaining information from the magnetic strip.

    While EMV cards will provide an extra level of security, it is still best to be aware of the terminals where you use your card.

  • What do I need to do to get a new chip card?

    All cards on your account will automatically be converted to the new RBFCU chip card at no cost and sent to you in the mail once your card is up for renewal. There will be no change to your interest rate for credit cards, or any other benefits on your account. To ensure delivery, please be sure RBFCU has your most recent address on file.

    To request a chip card before your card’s renewal date, you may contact our Member Service Center at 1-800-580-3300.

  • Will there be a fee to receive a new chip card?

    No. There are no fees associated with receiving a new chip card.

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LOST DEBIT CARD

FAQ FAQs

  • I lost my card. What do I do?

    You can report your lost or stolen card by contacting us in one of the following ways:
    Phone: 1-800-580-3300
    Email: memberservices@rbfcu.org
    Online:
    1. Sign in to your Online Banking account.
    2. Under the “View Services” tab, under “Manage Cards,” select “Report Lost Cards.”
    3. Select the card that you want to report lost, then click “Next.”
    4. Select the appropriate option (e.g., "Report a Lost or Stolen Card," "Freeze Card," or "Replace Card").
    5. Verify the information for accuracy, and click “Submit.”
    6. If your card is connected to Samsung Pay or Apple Pay, remove the card from the devices.

  • If my physical RBFCU card is lost or was stolen and I have Apple Pay or Samsung Pay, what do I do?

    You can report your lost or stolen card by contacting us in one of the following ways:
    Phone: 1-800-580-3300
    Email: memberservices@rbfcu.org
    Online:
    1. Sign in to your Online Banking account.
    2. Under the “View Services” tab, under “Manage Cards,” select “Report Lost Cards.”
    3. Select the card that you want to report lost, then click “Next.”
    4. Select the appropriate option (e.g., "Report a Lost or Stolen Card," "Freeze Card," or "Replace Card").
    5. Verify the information for accuracy, and click “Submit.”
    6. If your card is connected to Samsung Pay or Apple Pay, remove the card from the devices.

  • My physical RBFCU card is lost or was stolen and I have Apple Pay. What do I do?

    You may report your lost or stolen card in the typical manner (sign in to your online banking account or contact a Payment Services fraud representative). Once you’ve reported the card lost, stolen, or compromised, you should then want to remove the card from your Apple Pay devices.

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OVERDRAFT PROTECTION & COURTESY PAY

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SAVINGS

FAQ FAQs

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CERTIFICATES

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RBFCU CHOICE MONEY MARKET

FAQ FAQs

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RBFCU CLASSIC MONEY MARKET

FAQ FAQs

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IDPROTECT PLUS

FAQ FAQs

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INDIVIDUAL RETIREMENT ACCOUNTS (IRAS)

FAQ FAQs

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ONLINE & MOBILE BANKING

FAQ FAQs

  • Am I getting charged every time I receive an eAlert?

    eAlerts are a free service provided by RBFCU. We will not charge you for eAlerts and you can set up as many as you wish. However, if you choose mobile/text alerts, you may be charged additional fees by your mobile service provider.

  • Am I responsible for non-payments, late payments or fees due to your SSO and limiting my access to Bill Pay?

    Yes. You are still responsible as we sent several notifications in advance requesting you to convert or consolidate your Bill Pay profiles.

  • Can any type of check be scanned for deposit?

    You can only scan single-party domestic checks made payable to the owner(s) of the account.

    Some other options that are not eligible for online deposits include savings bonds, foreign checks, third-party checks, checks written to you from another account of yours at RBFCU, items stamped with “non-negotiable,” incomplete checks, stale-dated or post-dated checks, checks that contain evidence of alteration, checks purported to be a lottery or prize winnings, and checks previously submitted for deposit.

  • Can I add more than one checking account in Bill Pay?

    To manage your checking accounts or add another account to Bill Pay:
    1. Sign in to your Online Banking account.
    2. Click on the “Move Money” tab.
    3. Under “Payment and Bills,” click on “Pay Bills.”
    4. Click on the “Accounts” tab.
    5. To add or modify accounts, complete the appropriate fields.

  • Can I join the credit union through the app?

    Yes, you can use the RBFCU Mobile app to join the credit union. When you download the app, choose the “Open Account” option from the main navigation menu. You can complete the qualification and account opening process from there.

  • Can I open a checking account from the RBFCU Mobile app?

    To open a new checking account:
    1. Log in to the RBFCU Mobile app.
    2. Click on "Open Account."
    3. Verify your address, and click "Let's get started!" to follow the self-service directions.

  • Can I request to increase my daily/monthly online deposit limit?

    Yes, you can contact our Member Service team to request an account review if you need a temporary increase to your current online deposit limit.

  • Do I have to be a member to use the mobile app?

    A few of the RBFCU Mobile app’s functions are available to non-members, including the convenience of qualifying for membership and opening an account. You can also use the branch locator, and review rates and contact information.

    However, to access most of the benefits of the app, you must be a member.

  • Do I need to include a deposit slip with my scanned or mobile check deposit?
    No. The online deposits program generates an electronic record with each deposit.
  • How can I cancel Bill Pay?

    An RBFCU representative can cancel your Bill Pay profile. Please contact a representative at 1-800-580-3300 to speak with online banking services.

  • How can I enroll in Bill Pay?

    To access your Bill Pay information:
    1. Sign in to your Online Banking account and select “Move Money.”
    2. Under “Payments and Bills,” select “Pay Bills.”
    3. In the “Account Number” field, select the appropriate account.
    4. After reading the Terms and Conditions, select the “I agree to the Terms and Conditions” box.
    5. Click “Enroll.”
    6. If you get the “Help us protect you” dialogue box, select email or text to receive the temporary code. After you get the code, enter it in the box and click “Verify Code.”
    7. On the “Take care of your bills in 3 easy steps” screen, add or update the appropriate information.

  • How do I access online deposits from the mobile app?

    To access online deposits, sign in to the RBFCU Mobile app, then choose the online deposits icon on the bottom right menu. From there, the app will walk you step-by-step through the electronic deposit process.

  • How do I delete a closed account on Bill Pay?

    You may delete an account by selecting the “Accounts” tab in your online banking account. Next to each account you will see a “Delete Account” link. Select the appropriate account to delete and a new screen will populate, asking you to confirm. To proceed, select “Delete Account.” You will be directed back to the accounts page and your deleted accounts will no longer show.

  • How do I deposit checks with a digital camera?

    To deposit checks with a digital camera:
    1. Sign in to your Online Banking account and select the appropriate account.
    2. Click on the three vertical dots and select “eDeposit.”
    3. If needed, read the “Registration” instructions and select “I Agree,” then click “Continue.”
    4. Using a digital camera, take a picture of the front and back of the check and download images to your device.
    6. Enter the appropriate information and click “Load” to upload the file.
    7. Select “Submit.”

  • How do I deposit checks with a scanner?

    To deposit checks with a scanner:
    1. Sign in to your Online Banking account and select the appropriate account.
    2. Click on the three vertical dots and select “eDeposit” from the “I Want To…” menu.
    3. If needed, read the “Registration” instructions and select “I Agree,” then click “Continue.”
    4. Using a scanner, make scans of the front and back of the check.
    5. Enter the appropriate information and click “Scan” to upload the file.
    6. Select “Submit.”

  • How do I deposit checks with my smartphone or tablet?

    To deposit a check(s) using your mobile device, sign in to your online banking account via the RBFCU Mobile app and click the “eDeposits” icon. Endorse your check by signing your name on the back and adding your account number. You can also add notes regarding your deposit, such as which account to deposit it to or labeling it “mobile deposit.” Then, take a photo of the check’s front and back using your mobile device’s camera. Select the appropriate account and enter and verify the amount. Lastly, select the “Submit” option to complete your deposit.

  • How do I download the RBFCU Mobile app?

    RBFCU offers a FREE mobile application for both Android and iPhone devices.

    • For Android devices: Select the Play Store, search for RBFCU and download the app.
    • For iOS (Apple) devices: Select the App Store, search for RBFCU and download the app.

    For full functionality, both the provider’s software and RBFCU app version must be up to date.

  • How do I enroll in online statements?

    To sign up for online statements:
    1. Sign in to your Online Banking account.
    2. Click on the “View Services” tab.
    3. Under “Documents,” click “Paperless Option.”
    4. Read the “Paperless Terms & Conditions.”
    5. Next to “Paperless Statement(s) and Documents,” switch the button to “On.”

  • How do I get a copy of my online/mobile deposit?

    To view processed eDeposits:
    1. Sign in to your Online Banking account.
    2. Under “View Accounts,” click the three vertical dots for the desired account.
    3. From the “I Want To…” menu, select “eDeposit.”
    4. On the eDeposits screen, select the “Deposit History” tab.
    5. Select the eye icon to the right of the deposit you wish to review.

  • How do I turn off a text or email alert on my account?

    To manage your account alerts:
    1. Sign in to your Online Banking account.
    2. Click on the “View Services” tab.
    3. Under the “Set Alerts” section, select an option (e.g., "Account & Loan Alerts," "Card Alerts" or "Other Alerts") to set your alert preferences.

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EMAIL & TEXT ALERTS

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BILL PAY

FAQ FAQs

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BILL PAY SINGLE SIGN-ON

FAQ FAQs

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ONLINE & MOBILE DEPOSITS

FAQ FAQs

  • Can any type of check be scanned for deposit?

    You can only scan single-party domestic checks made payable to the owner(s) of the account.

    Some other options that are not eligible for online deposits include savings bonds, foreign checks, third-party checks, checks written to you from another account of yours at RBFCU, items stamped with “non-negotiable,” incomplete checks, stale-dated or post-dated checks, checks that contain evidence of alteration, checks purported to be a lottery or prize winnings, and checks previously submitted for deposit.

  • Can I request to increase my daily/monthly online deposit limit?

    Yes, you can contact our Member Service team to request an account review if you need a temporary increase to your current online deposit limit.

  • Do I need to include a deposit slip with my scanned or mobile check deposit?
    No. The online deposits program generates an electronic record with each deposit.
  • How do I access online deposits from the mobile app?

    To access online deposits, sign in to the RBFCU Mobile app, then choose the online deposits icon on the bottom right menu. From there, the app will walk you step-by-step through the electronic deposit process.

  • How do I deposit checks with a digital camera?

    To deposit checks with a digital camera:
    1. Sign in to your Online Banking account and select the appropriate account.
    2. Click on the three vertical dots and select “eDeposit.”
    3. If needed, read the “Registration” instructions and select “I Agree,” then click “Continue.”
    4. Using a digital camera, take a picture of the front and back of the check and download images to your device.
    6. Enter the appropriate information and click “Load” to upload the file.
    7. Select “Submit.”

  • How do I deposit checks with a scanner?

    To deposit checks with a scanner:
    1. Sign in to your Online Banking account and select the appropriate account.
    2. Click on the three vertical dots and select “eDeposit” from the “I Want To…” menu.
    3. If needed, read the “Registration” instructions and select “I Agree,” then click “Continue.”
    4. Using a scanner, make scans of the front and back of the check.
    5. Enter the appropriate information and click “Scan” to upload the file.
    6. Select “Submit.”

  • How do I deposit checks with my smartphone or tablet?

    To deposit a check(s) using your mobile device, sign in to your online banking account via the RBFCU Mobile app and click the “eDeposits” icon. Endorse your check by signing your name on the back and adding your account number. You can also add notes regarding your deposit, such as which account to deposit it to or labeling it “mobile deposit.” Then, take a photo of the check’s front and back using your mobile device’s camera. Select the appropriate account and enter and verify the amount. Lastly, select the “Submit” option to complete your deposit.

  • How do I get a copy of my online/mobile deposit?

    To view processed eDeposits:
    1. Sign in to your Online Banking account.
    2. Under “View Accounts,” click the three vertical dots for the desired account.
    3. From the “I Want To…” menu, select “eDeposit.”
    4. On the eDeposits screen, select the “Deposit History” tab.
    5. Select the eye icon to the right of the deposit you wish to review.

  • How long can I view my online/mobile deposit history?

    Deposit history is maintained for 18 months. For deposit history more than 18 months old, send us a secure message within your online banking account requesting the information you need.

  • How many checks can be included in one deposit? Can multiple deposits be submitted each day?
    Up to 999 checks can be included in one deposit and multiple deposits can be submitted as long as the accumulated dollar amount of the deposit(s) does not exceed the daily deposit limit.
  • How much is the online deposit limit?

    The default daily deposit limit is $5,000. If you need to request a temporary limit increase, please contact our Member Service Center at 1-800-580-3300.

  • I am trying to scan the back of my check and continue to receive an "Image Quality Error, Image Too Light." What can I do?
    Ensure you have properly endorsed the check. If not, delete the back image of the check, endorse the item and rescan. If you have the proper endorsement on the check, it is possible your device is not detecting the whole check. You can try adjusting the light or drawing dots on each corner of the check.
  • The time on my computer and the time on my online/mobile deposit do not match. Is something wrong?
    The time stamp on the deposits is in Eastern Standard Time. Your computer or device will reflect the time zone where you reside. 
  • What are the minimum system requirements necessary to use online deposits?

    The minimum supported environments include:

    • Internet Explorer 10+
    • Firefox 41+
    • Chrome (most current version and one version previous)
    • Safari 8+
    • Java runtime environment 1.7+
    • High Speed Internet Connection
    • TWAIN Compliant Scanner
  • What fees are charged to use online deposit services?

    Members can enjoy the convenience of online deposits without incurring a fee from the credit union.

  • What should I do with the check once it has been scanned?

    Store your check(s) in a safe place until you receive confirmation via the deposit history in your online account that your deposit has been accepted, and then destroy the check by shredding or another commercially acceptable means of data destruction.

  • What type of accounts can I make online or mobile deposits into?

    You can complete an online or mobile deposit to any checking or savings account.

  • When will my deposit be credited to my account?

    Deposits scanned Monday through Friday from 6:30 a.m. until 7 p.m. and on Saturday from 8:30 a.m. until 4 p.m., Central Time on days the credit union is open should be credited on the same business day. Deposits scanned after those times should be credited on the next business day. There could be times that the program may flag a deposit for manual review and release by credit union personnel (i.e., image is not clear when received at the credit union). If this happens, you will see the deposit under the Deposit History tab as “Submitted Deposit” and you will not see the deposit reflected in your online account until credit union personnel has an opportunity to review and release the deposit. The manual review process should happen the same business day, the next business day at the latest.

  • Who is eligible for mobile and online deposit? How do I know if I am eligible?

    Members must have their savings or checking account open for a minimum of 15 days and not have any derogatory information on their account (e.g., delinquent payments) to be eligible for mobile deposits. Members who meet the product requirements will have “Make eDeposit” in the “I want to” drop-down menu on the “Account Summary” page. Members can also see if they qualify by going to their “My Profile” link in the top right corner of the page. There members will select the “Member Services” link. Under the eDeposits section, members will see whether or not they are eligible to make deposits online.

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ONLINE STATEMENTS

FAQ FAQs

  • How do I enroll in online statements?

    To sign up for online statements:
    1. Sign in to your Online Banking account.
    2. Click on the “View Services” tab.
    3. Under “Documents,” click “Paperless Option.”
    4. Read the “Paperless Terms & Conditions.”
    5. Next to “Paperless Statement(s) and Documents,” switch the button to “On.”

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RBFCU MOBILE APP

FAQ FAQs

  • Can I join the credit union through the app?

    Yes, you can use the RBFCU Mobile app to join the credit union. When you download the app, choose the “Open Account” option from the main navigation menu. You can complete the qualification and account opening process from there.

  • Can I open a checking account from the RBFCU Mobile app?

    To open a new checking account:
    1. Log in to the RBFCU Mobile app.
    2. Click on "Open Account."
    3. Verify your address, and click "Let's get started!" to follow the self-service directions.

  • Do I have to be a member to use the mobile app?

    A few of the RBFCU Mobile app’s functions are available to non-members, including the convenience of qualifying for membership and opening an account. You can also use the branch locator, and review rates and contact information.

    However, to access most of the benefits of the app, you must be a member.

  • Do I need to include a deposit slip with my scanned or mobile check deposit?
    No. The online deposits program generates an electronic record with each deposit.
  • How do I access online deposits from the mobile app?

    To access online deposits, sign in to the RBFCU Mobile app, then choose the online deposits icon on the bottom right menu. From there, the app will walk you step-by-step through the electronic deposit process.

  • How do I deposit checks with my smartphone or tablet?

    To deposit a check(s) using your mobile device, sign in to your online banking account via the RBFCU Mobile app and click the “eDeposits” icon. Endorse your check by signing your name on the back and adding your account number. You can also add notes regarding your deposit, such as which account to deposit it to or labeling it “mobile deposit.” Then, take a photo of the check’s front and back using your mobile device’s camera. Select the appropriate account and enter and verify the amount. Lastly, select the “Submit” option to complete your deposit.

  • How do I download the RBFCU Mobile app?

    RBFCU offers a FREE mobile application for both Android and iPhone devices.

    • For Android devices: Select the Play Store, search for RBFCU and download the app.
    • For iOS (Apple) devices: Select the App Store, search for RBFCU and download the app.

    For full functionality, both the provider’s software and RBFCU app version must be up to date.

  • If my Samsung device is lost or was stolen and I want to delete my card, what should I do?

    If you believe your device or Samsung Pay information has been lost, stolen or compromised in any way, call RBFCU Member Services immediately at the number on the back of your card.

  • Is Apple Pay free?

    There is no charge from RBFCU to use Apple Pay. However, message and data rates may apply from your wireless provider, depending on your data plan.

  • Is Apple Pay more secure than my traditional card?

    Apple Pay provides a more private way to pay. By using Apple Pay technology, you obscure your card number when you make a payment. Apple Pay doesn’t store your credit or debit card number on the device, so your information (including name, card number and security code) are not passed to the merchant where you make your purchase.

    However, you still have the benefit of the guarantees related to your RBFCU cards, including Courtesy Pay (debit) and fraud monitoring.

  • Is Samsung Pay free?

    RBFCU does not charge a fee for members to use Samsung Pay; however, message and data rates may apply from your wireless provider, depending on your data plan.

  • Is Samsung Pay more secure than my traditional card?

    Samsung Pay provides a more private way to pay. By using Samsung Pay technology, you obscure your card number when you make a payment. Samsung Pay doesn't store your card number on the device or on Samsung servers, or share your information with the merchant when you make a purchase.

  • My Apple device is lost or was stolen and I want to delete my card. What should I do?

    If you believe your device or Apple Pay information has been lost, stolen or compromised in any way, call RBFCU Member Services immediately at the number on the back of your card.

    For iPhone or iPad, you can go to the Find My iPhone app to temporarily suspend or permanently remove the ability to make payments from your device, even if your device is offline. If you suspend your card(s) using Find My iPhone, you can reactivate your Card(s) simply by unlocking your device and entering your Apple ID “Passcode” when prompted. For any supported Apple device, you can always go to https://www.icloud.com/#settings, choose the applicable device and delete your Card(s).

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APPLE PAY

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ID REQUIREMENT POLICY

FAQ FAQs

  • What form of identification is accepted?

    RBFCU accepts the following forms of identification: United States Driver’s License, U.S. state ID card (issued by the DMV), military ID, passport with photo (in English), passport card, U.S. civil service card, Concealed Handgun License (Texas) same as A License to Carry (Texas).

    If you are a non-U.S. person, we accept all forms previously listed as well as: Permanent Resident Card, Matricula Card (i.e., Mexico, Guatemala, Bolivia), U.S. Employment Authorization Card.

  • What transactions require my ID?

    You must present a photo ID when making cash or check deposits, withdrawals, loan or credit card payments, Mastercard cash advances, currency exchanges*, check cashing, requesting cash back on a deposit, requesting a cashier’s check or money order and receiving information about your account.

    *RBFCU does not exchange foreign currency.

  • Why am I being asked for my ID on all transactions?

    In order to protect you and your account, RBFCU must identify the transacting person on an account each time a transaction is made.

  • Why is this required?

    For all transactions, RBFCU needs to be able to identify any person with whom we are conducting business. We retain the ID in our system to identify the transacting person for researching transactions, should questions arise, and to protect our members against potential fraud.

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