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.

 

Find FAQs by topic:
Really Free Checking | Freedom Debit Card | Lost Debit Card | Overdraft Protection & Courtesy Pay | Round Up Program | MemberSafe® | Savings | Certificates | RBFCU Choice Money Market | RBFCU Classic Money Market | Individual Retirement Accounts (IRAs) | Online Banking & Mobile Banking | Sign-In, Email & Text Alerts | RBFCU Bill Pay™ | Online Deposit & RBFCU Mobile Deposit® | Move Money | Plaid | Multifactor Authentication (MFA) | STAR Program Help for Parents | STAR Program Help for Children | Paperless Preference (Electronic Statements & Documents) | RBFCU Mobile App | Apple Pay | Samsung Pay | ATMs | Safe Deposit Boxes | ID Requirement Policy | Back to all FAQs

 

REALLY FREE CHECKING

  • How long do I have to accept an incoming transfer?
    + -

    You only need to accept the first incoming transfer to acknowledge the funds will be received to the default account. You then have two days to accept the transfer before the request will expire. After the first text is replied to, the member will receive text Alerts notifying them of the transfer but will not have to perform any action to receive the funds.

 

FREEDOM DEBIT CARD

  • How long do I have to accept an incoming transfer?
    + -

    You only need to accept the first incoming transfer to acknowledge the funds will be received to the default account. You then have two days to accept the transfer before the request will expire. After the first text is replied to, the member will receive text Alerts notifying them of the transfer but will not have to perform any action to receive the funds.

 

LOST DEBIT CARD

  • How long do I have to accept an incoming transfer?
    + -

    You only need to accept the first incoming transfer to acknowledge the funds will be received to the default account. You then have two days to accept the transfer before the request will expire. After the first text is replied to, the member will receive text Alerts notifying them of the transfer but will not have to perform any action to receive the funds.

 

OVERDRAFT PROTECTION & COURTESY PAY

  • How long do I have to accept an incoming transfer?
    + -

    You only need to accept the first incoming transfer to acknowledge the funds will be received to the default account. You then have two days to accept the transfer before the request will expire. After the first text is replied to, the member will receive text Alerts notifying them of the transfer but will not have to perform any action to receive the funds.

 

ROUND UP PROGRAM

  • How long do I have to accept an incoming transfer?
    + -

    You only need to accept the first incoming transfer to acknowledge the funds will be received to the default account. You then have two days to accept the transfer before the request will expire. After the first text is replied to, the member will receive text Alerts notifying them of the transfer but will not have to perform any action to receive the funds.

 

SAVINGS

  • How long do I have to accept an incoming transfer?
    + -

    You only need to accept the first incoming transfer to acknowledge the funds will be received to the default account. You then have two days to accept the transfer before the request will expire. After the first text is replied to, the member will receive text Alerts notifying them of the transfer but will not have to perform any action to receive the funds.

 

CERTIFICATES

  • How long do I have to accept an incoming transfer?
    + -

    You only need to accept the first incoming transfer to acknowledge the funds will be received to the default account. You then have two days to accept the transfer before the request will expire. After the first text is replied to, the member will receive text Alerts notifying them of the transfer but will not have to perform any action to receive the funds.

 

RBFCU CHOICE MONEY MARKET

  • How long do I have to accept an incoming transfer?
    + -

    You only need to accept the first incoming transfer to acknowledge the funds will be received to the default account. You then have two days to accept the transfer before the request will expire. After the first text is replied to, the member will receive text Alerts notifying them of the transfer but will not have to perform any action to receive the funds.

 

RBFCU CLASSIC MONEY MARKET

  • How long do I have to accept an incoming transfer?
    + -

    You only need to accept the first incoming transfer to acknowledge the funds will be received to the default account. You then have two days to accept the transfer before the request will expire. After the first text is replied to, the member will receive text Alerts notifying them of the transfer but will not have to perform any action to receive the funds.

 

MEMBERSAFE

  • How long do I have to accept an incoming transfer?
    + -

    You only need to accept the first incoming transfer to acknowledge the funds will be received to the default account. You then have two days to accept the transfer before the request will expire. After the first text is replied to, the member will receive text Alerts notifying them of the transfer but will not have to perform any action to receive the funds.

 

INDIVIDUAL RETIREMENT ACCOUNTS (IRAS)

  • How long do I have to accept an incoming transfer?
    + -

    You only need to accept the first incoming transfer to acknowledge the funds will be received to the default account. You then have two days to accept the transfer before the request will expire. After the first text is replied to, the member will receive text Alerts notifying them of the transfer but will not have to perform any action to receive the funds.

 

ONLINE BANKING & MOBILE BANKING

  • How long do I have to accept an incoming transfer?
    + -

    You only need to accept the first incoming transfer to acknowledge the funds will be received to the default account. You then have two days to accept the transfer before the request will expire. After the first text is replied to, the member will receive text Alerts notifying them of the transfer but will not have to perform any action to receive the funds.

 

SIGN-IN, EMAIL & TEXT ALERTS

  • How long do I have to accept an incoming transfer?
    + -

    You only need to accept the first incoming transfer to acknowledge the funds will be received to the default account. You then have two days to accept the transfer before the request will expire. After the first text is replied to, the member will receive text Alerts notifying them of the transfer but will not have to perform any action to receive the funds.

 

RBFCU BILL PAY™

  • How long do I have to accept an incoming transfer?
    + -

    You only need to accept the first incoming transfer to acknowledge the funds will be received to the default account. You then have two days to accept the transfer before the request will expire. After the first text is replied to, the member will receive text Alerts notifying them of the transfer but will not have to perform any action to receive the funds.

 

ONLINE DEPOSIT & RBFCU MOBILE DEPOSIT®

  • How long do I have to accept an incoming transfer?
    + -

    You only need to accept the first incoming transfer to acknowledge the funds will be received to the default account. You then have two days to accept the transfer before the request will expire. After the first text is replied to, the member will receive text Alerts notifying them of the transfer but will not have to perform any action to receive the funds.

 

MOVE MONEY

  • How long do I have to accept an incoming transfer?
    + -

    You only need to accept the first incoming transfer to acknowledge the funds will be received to the default account. You then have two days to accept the transfer before the request will expire. After the first text is replied to, the member will receive text Alerts notifying them of the transfer but will not have to perform any action to receive the funds.

 

PLAID

  • How long do I have to accept an incoming transfer?
    + -

    You only need to accept the first incoming transfer to acknowledge the funds will be received to the default account. You then have two days to accept the transfer before the request will expire. After the first text is replied to, the member will receive text Alerts notifying them of the transfer but will not have to perform any action to receive the funds.

 

MULTIFACTOR AUTHENTICATION (MFA)

  • How long do I have to accept an incoming transfer?
    + -

    You only need to accept the first incoming transfer to acknowledge the funds will be received to the default account. You then have two days to accept the transfer before the request will expire. After the first text is replied to, the member will receive text Alerts notifying them of the transfer but will not have to perform any action to receive the funds.

 

STAR PROGRAM HELP FOR PARENTS

  • How long do I have to accept an incoming transfer?
    + -

    You only need to accept the first incoming transfer to acknowledge the funds will be received to the default account. You then have two days to accept the transfer before the request will expire. After the first text is replied to, the member will receive text Alerts notifying them of the transfer but will not have to perform any action to receive the funds.

 

STAR PROGRAM HELP FOR CHILDREN

  • How long do I have to accept an incoming transfer?
    + -

    You only need to accept the first incoming transfer to acknowledge the funds will be received to the default account. You then have two days to accept the transfer before the request will expire. After the first text is replied to, the member will receive text Alerts notifying them of the transfer but will not have to perform any action to receive the funds.

 

PAPERLESS PREFERENCE (ELECTRONIC STATEMENTS & DOCUMENTS)

  • How long do I have to accept an incoming transfer?
    + -

    You only need to accept the first incoming transfer to acknowledge the funds will be received to the default account. You then have two days to accept the transfer before the request will expire. After the first text is replied to, the member will receive text Alerts notifying them of the transfer but will not have to perform any action to receive the funds.

 

RBFCU MOBILE APP

  • How long do I have to accept an incoming transfer?
    + -

    You only need to accept the first incoming transfer to acknowledge the funds will be received to the default account. You then have two days to accept the transfer before the request will expire. After the first text is replied to, the member will receive text Alerts notifying them of the transfer but will not have to perform any action to receive the funds.

 

APPLE PAY

  • How long do I have to accept an incoming transfer?
    + -

    You only need to accept the first incoming transfer to acknowledge the funds will be received to the default account. You then have two days to accept the transfer before the request will expire. After the first text is replied to, the member will receive text Alerts notifying them of the transfer but will not have to perform any action to receive the funds.

 

SAMSUNG PAY

  • How long do I have to accept an incoming transfer?
    + -

    You only need to accept the first incoming transfer to acknowledge the funds will be received to the default account. You then have two days to accept the transfer before the request will expire. After the first text is replied to, the member will receive text Alerts notifying them of the transfer but will not have to perform any action to receive the funds.

 

ATMS

  • How long do I have to accept an incoming transfer?
    + -

    You only need to accept the first incoming transfer to acknowledge the funds will be received to the default account. You then have two days to accept the transfer before the request will expire. After the first text is replied to, the member will receive text Alerts notifying them of the transfer but will not have to perform any action to receive the funds.

 

SAFE DEPOSIT BOXES

  • How long do I have to accept an incoming transfer?
    + -

    You only need to accept the first incoming transfer to acknowledge the funds will be received to the default account. You then have two days to accept the transfer before the request will expire. After the first text is replied to, the member will receive text Alerts notifying them of the transfer but will not have to perform any action to receive the funds.

 

ID REQUIREMENT POLICY

  • How long do I have to accept an incoming transfer?
    + -

    You only need to accept the first incoming transfer to acknowledge the funds will be received to the default account. You then have two days to accept the transfer before the request will expire. After the first text is replied to, the member will receive text Alerts notifying them of the transfer but will not have to perform any action to receive the funds.

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