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

  • What's the difference between an IRA offered by RBFCU Investments Group and an IRA offered by RBFCU?
    + -

    RBFCU Investments Group financial advisors offer IRAs through Ameriprise Financial. Your financial advisor can help you choose investment solutions from a variety of managed accounts, mutual funds, annuities and stocks.

    RBFCU offers IRAs. A credit union employee in the IRA department can help you choose if you should deposit your money in an IRA savings account or an IRA certificate of deposit. The IRAs offered by RBFCU are insured separately up to $250,000 from other deposit accounts by the National Credit Union Administration (NCUA). IRAs offered by RBFCU Investments Group are not insured by the NCUA.

 

FREEDOM DEBIT CARD

  • What's the difference between an IRA offered by RBFCU Investments Group and an IRA offered by RBFCU?
    + -

    RBFCU Investments Group financial advisors offer IRAs through Ameriprise Financial. Your financial advisor can help you choose investment solutions from a variety of managed accounts, mutual funds, annuities and stocks.

    RBFCU offers IRAs. A credit union employee in the IRA department can help you choose if you should deposit your money in an IRA savings account or an IRA certificate of deposit. The IRAs offered by RBFCU are insured separately up to $250,000 from other deposit accounts by the National Credit Union Administration (NCUA). IRAs offered by RBFCU Investments Group are not insured by the NCUA.

 

LOST DEBIT CARD

  • What's the difference between an IRA offered by RBFCU Investments Group and an IRA offered by RBFCU?
    + -

    RBFCU Investments Group financial advisors offer IRAs through Ameriprise Financial. Your financial advisor can help you choose investment solutions from a variety of managed accounts, mutual funds, annuities and stocks.

    RBFCU offers IRAs. A credit union employee in the IRA department can help you choose if you should deposit your money in an IRA savings account or an IRA certificate of deposit. The IRAs offered by RBFCU are insured separately up to $250,000 from other deposit accounts by the National Credit Union Administration (NCUA). IRAs offered by RBFCU Investments Group are not insured by the NCUA.

 

OVERDRAFT PROTECTION & COURTESY PAY

  • What's the difference between an IRA offered by RBFCU Investments Group and an IRA offered by RBFCU?
    + -

    RBFCU Investments Group financial advisors offer IRAs through Ameriprise Financial. Your financial advisor can help you choose investment solutions from a variety of managed accounts, mutual funds, annuities and stocks.

    RBFCU offers IRAs. A credit union employee in the IRA department can help you choose if you should deposit your money in an IRA savings account or an IRA certificate of deposit. The IRAs offered by RBFCU are insured separately up to $250,000 from other deposit accounts by the National Credit Union Administration (NCUA). IRAs offered by RBFCU Investments Group are not insured by the NCUA.

 

ROUND UP PROGRAM

  • What's the difference between an IRA offered by RBFCU Investments Group and an IRA offered by RBFCU?
    + -

    RBFCU Investments Group financial advisors offer IRAs through Ameriprise Financial. Your financial advisor can help you choose investment solutions from a variety of managed accounts, mutual funds, annuities and stocks.

    RBFCU offers IRAs. A credit union employee in the IRA department can help you choose if you should deposit your money in an IRA savings account or an IRA certificate of deposit. The IRAs offered by RBFCU are insured separately up to $250,000 from other deposit accounts by the National Credit Union Administration (NCUA). IRAs offered by RBFCU Investments Group are not insured by the NCUA.

 

SAVINGS

  • What's the difference between an IRA offered by RBFCU Investments Group and an IRA offered by RBFCU?
    + -

    RBFCU Investments Group financial advisors offer IRAs through Ameriprise Financial. Your financial advisor can help you choose investment solutions from a variety of managed accounts, mutual funds, annuities and stocks.

    RBFCU offers IRAs. A credit union employee in the IRA department can help you choose if you should deposit your money in an IRA savings account or an IRA certificate of deposit. The IRAs offered by RBFCU are insured separately up to $250,000 from other deposit accounts by the National Credit Union Administration (NCUA). IRAs offered by RBFCU Investments Group are not insured by the NCUA.

 

CERTIFICATES

  • What's the difference between an IRA offered by RBFCU Investments Group and an IRA offered by RBFCU?
    + -

    RBFCU Investments Group financial advisors offer IRAs through Ameriprise Financial. Your financial advisor can help you choose investment solutions from a variety of managed accounts, mutual funds, annuities and stocks.

    RBFCU offers IRAs. A credit union employee in the IRA department can help you choose if you should deposit your money in an IRA savings account or an IRA certificate of deposit. The IRAs offered by RBFCU are insured separately up to $250,000 from other deposit accounts by the National Credit Union Administration (NCUA). IRAs offered by RBFCU Investments Group are not insured by the NCUA.

 

RBFCU CHOICE MONEY MARKET

  • What's the difference between an IRA offered by RBFCU Investments Group and an IRA offered by RBFCU?
    + -

    RBFCU Investments Group financial advisors offer IRAs through Ameriprise Financial. Your financial advisor can help you choose investment solutions from a variety of managed accounts, mutual funds, annuities and stocks.

    RBFCU offers IRAs. A credit union employee in the IRA department can help you choose if you should deposit your money in an IRA savings account or an IRA certificate of deposit. The IRAs offered by RBFCU are insured separately up to $250,000 from other deposit accounts by the National Credit Union Administration (NCUA). IRAs offered by RBFCU Investments Group are not insured by the NCUA.

 

RBFCU CLASSIC MONEY MARKET

  • What's the difference between an IRA offered by RBFCU Investments Group and an IRA offered by RBFCU?
    + -

    RBFCU Investments Group financial advisors offer IRAs through Ameriprise Financial. Your financial advisor can help you choose investment solutions from a variety of managed accounts, mutual funds, annuities and stocks.

    RBFCU offers IRAs. A credit union employee in the IRA department can help you choose if you should deposit your money in an IRA savings account or an IRA certificate of deposit. The IRAs offered by RBFCU are insured separately up to $250,000 from other deposit accounts by the National Credit Union Administration (NCUA). IRAs offered by RBFCU Investments Group are not insured by the NCUA.

 

MEMBERSAFE

  • What's the difference between an IRA offered by RBFCU Investments Group and an IRA offered by RBFCU?
    + -

    RBFCU Investments Group financial advisors offer IRAs through Ameriprise Financial. Your financial advisor can help you choose investment solutions from a variety of managed accounts, mutual funds, annuities and stocks.

    RBFCU offers IRAs. A credit union employee in the IRA department can help you choose if you should deposit your money in an IRA savings account or an IRA certificate of deposit. The IRAs offered by RBFCU are insured separately up to $250,000 from other deposit accounts by the National Credit Union Administration (NCUA). IRAs offered by RBFCU Investments Group are not insured by the NCUA.

 

INDIVIDUAL RETIREMENT ACCOUNTS (IRAS)

  • What's the difference between an IRA offered by RBFCU Investments Group and an IRA offered by RBFCU?
    + -

    RBFCU Investments Group financial advisors offer IRAs through Ameriprise Financial. Your financial advisor can help you choose investment solutions from a variety of managed accounts, mutual funds, annuities and stocks.

    RBFCU offers IRAs. A credit union employee in the IRA department can help you choose if you should deposit your money in an IRA savings account or an IRA certificate of deposit. The IRAs offered by RBFCU are insured separately up to $250,000 from other deposit accounts by the National Credit Union Administration (NCUA). IRAs offered by RBFCU Investments Group are not insured by the NCUA.

 

ONLINE BANKING & MOBILE BANKING

  • What's the difference between an IRA offered by RBFCU Investments Group and an IRA offered by RBFCU?
    + -

    RBFCU Investments Group financial advisors offer IRAs through Ameriprise Financial. Your financial advisor can help you choose investment solutions from a variety of managed accounts, mutual funds, annuities and stocks.

    RBFCU offers IRAs. A credit union employee in the IRA department can help you choose if you should deposit your money in an IRA savings account or an IRA certificate of deposit. The IRAs offered by RBFCU are insured separately up to $250,000 from other deposit accounts by the National Credit Union Administration (NCUA). IRAs offered by RBFCU Investments Group are not insured by the NCUA.

 

SIGN-IN, EMAIL & TEXT ALERTS

  • What's the difference between an IRA offered by RBFCU Investments Group and an IRA offered by RBFCU?
    + -

    RBFCU Investments Group financial advisors offer IRAs through Ameriprise Financial. Your financial advisor can help you choose investment solutions from a variety of managed accounts, mutual funds, annuities and stocks.

    RBFCU offers IRAs. A credit union employee in the IRA department can help you choose if you should deposit your money in an IRA savings account or an IRA certificate of deposit. The IRAs offered by RBFCU are insured separately up to $250,000 from other deposit accounts by the National Credit Union Administration (NCUA). IRAs offered by RBFCU Investments Group are not insured by the NCUA.

 

RBFCU BILL PAY™

  • What's the difference between an IRA offered by RBFCU Investments Group and an IRA offered by RBFCU?
    + -

    RBFCU Investments Group financial advisors offer IRAs through Ameriprise Financial. Your financial advisor can help you choose investment solutions from a variety of managed accounts, mutual funds, annuities and stocks.

    RBFCU offers IRAs. A credit union employee in the IRA department can help you choose if you should deposit your money in an IRA savings account or an IRA certificate of deposit. The IRAs offered by RBFCU are insured separately up to $250,000 from other deposit accounts by the National Credit Union Administration (NCUA). IRAs offered by RBFCU Investments Group are not insured by the NCUA.

 

ONLINE DEPOSIT & RBFCU MOBILE DEPOSIT®

  • What's the difference between an IRA offered by RBFCU Investments Group and an IRA offered by RBFCU?
    + -

    RBFCU Investments Group financial advisors offer IRAs through Ameriprise Financial. Your financial advisor can help you choose investment solutions from a variety of managed accounts, mutual funds, annuities and stocks.

    RBFCU offers IRAs. A credit union employee in the IRA department can help you choose if you should deposit your money in an IRA savings account or an IRA certificate of deposit. The IRAs offered by RBFCU are insured separately up to $250,000 from other deposit accounts by the National Credit Union Administration (NCUA). IRAs offered by RBFCU Investments Group are not insured by the NCUA.

 

MOVE MONEY

  • What's the difference between an IRA offered by RBFCU Investments Group and an IRA offered by RBFCU?
    + -

    RBFCU Investments Group financial advisors offer IRAs through Ameriprise Financial. Your financial advisor can help you choose investment solutions from a variety of managed accounts, mutual funds, annuities and stocks.

    RBFCU offers IRAs. A credit union employee in the IRA department can help you choose if you should deposit your money in an IRA savings account or an IRA certificate of deposit. The IRAs offered by RBFCU are insured separately up to $250,000 from other deposit accounts by the National Credit Union Administration (NCUA). IRAs offered by RBFCU Investments Group are not insured by the NCUA.

 

PLAID

  • What's the difference between an IRA offered by RBFCU Investments Group and an IRA offered by RBFCU?
    + -

    RBFCU Investments Group financial advisors offer IRAs through Ameriprise Financial. Your financial advisor can help you choose investment solutions from a variety of managed accounts, mutual funds, annuities and stocks.

    RBFCU offers IRAs. A credit union employee in the IRA department can help you choose if you should deposit your money in an IRA savings account or an IRA certificate of deposit. The IRAs offered by RBFCU are insured separately up to $250,000 from other deposit accounts by the National Credit Union Administration (NCUA). IRAs offered by RBFCU Investments Group are not insured by the NCUA.

 

MULTIFACTOR AUTHENTICATION (MFA)

  • What's the difference between an IRA offered by RBFCU Investments Group and an IRA offered by RBFCU?
    + -

    RBFCU Investments Group financial advisors offer IRAs through Ameriprise Financial. Your financial advisor can help you choose investment solutions from a variety of managed accounts, mutual funds, annuities and stocks.

    RBFCU offers IRAs. A credit union employee in the IRA department can help you choose if you should deposit your money in an IRA savings account or an IRA certificate of deposit. The IRAs offered by RBFCU are insured separately up to $250,000 from other deposit accounts by the National Credit Union Administration (NCUA). IRAs offered by RBFCU Investments Group are not insured by the NCUA.

 

STAR PROGRAM HELP FOR PARENTS

  • What's the difference between an IRA offered by RBFCU Investments Group and an IRA offered by RBFCU?
    + -

    RBFCU Investments Group financial advisors offer IRAs through Ameriprise Financial. Your financial advisor can help you choose investment solutions from a variety of managed accounts, mutual funds, annuities and stocks.

    RBFCU offers IRAs. A credit union employee in the IRA department can help you choose if you should deposit your money in an IRA savings account or an IRA certificate of deposit. The IRAs offered by RBFCU are insured separately up to $250,000 from other deposit accounts by the National Credit Union Administration (NCUA). IRAs offered by RBFCU Investments Group are not insured by the NCUA.

 

STAR PROGRAM HELP FOR CHILDREN

  • What's the difference between an IRA offered by RBFCU Investments Group and an IRA offered by RBFCU?
    + -

    RBFCU Investments Group financial advisors offer IRAs through Ameriprise Financial. Your financial advisor can help you choose investment solutions from a variety of managed accounts, mutual funds, annuities and stocks.

    RBFCU offers IRAs. A credit union employee in the IRA department can help you choose if you should deposit your money in an IRA savings account or an IRA certificate of deposit. The IRAs offered by RBFCU are insured separately up to $250,000 from other deposit accounts by the National Credit Union Administration (NCUA). IRAs offered by RBFCU Investments Group are not insured by the NCUA.

 

PAPERLESS PREFERENCE (ELECTRONIC STATEMENTS & DOCUMENTS)

  • What's the difference between an IRA offered by RBFCU Investments Group and an IRA offered by RBFCU?
    + -

    RBFCU Investments Group financial advisors offer IRAs through Ameriprise Financial. Your financial advisor can help you choose investment solutions from a variety of managed accounts, mutual funds, annuities and stocks.

    RBFCU offers IRAs. A credit union employee in the IRA department can help you choose if you should deposit your money in an IRA savings account or an IRA certificate of deposit. The IRAs offered by RBFCU are insured separately up to $250,000 from other deposit accounts by the National Credit Union Administration (NCUA). IRAs offered by RBFCU Investments Group are not insured by the NCUA.

 

RBFCU MOBILE APP

  • What's the difference between an IRA offered by RBFCU Investments Group and an IRA offered by RBFCU?
    + -

    RBFCU Investments Group financial advisors offer IRAs through Ameriprise Financial. Your financial advisor can help you choose investment solutions from a variety of managed accounts, mutual funds, annuities and stocks.

    RBFCU offers IRAs. A credit union employee in the IRA department can help you choose if you should deposit your money in an IRA savings account or an IRA certificate of deposit. The IRAs offered by RBFCU are insured separately up to $250,000 from other deposit accounts by the National Credit Union Administration (NCUA). IRAs offered by RBFCU Investments Group are not insured by the NCUA.

 

APPLE PAY

  • What's the difference between an IRA offered by RBFCU Investments Group and an IRA offered by RBFCU?
    + -

    RBFCU Investments Group financial advisors offer IRAs through Ameriprise Financial. Your financial advisor can help you choose investment solutions from a variety of managed accounts, mutual funds, annuities and stocks.

    RBFCU offers IRAs. A credit union employee in the IRA department can help you choose if you should deposit your money in an IRA savings account or an IRA certificate of deposit. The IRAs offered by RBFCU are insured separately up to $250,000 from other deposit accounts by the National Credit Union Administration (NCUA). IRAs offered by RBFCU Investments Group are not insured by the NCUA.

 

SAMSUNG PAY

  • What's the difference between an IRA offered by RBFCU Investments Group and an IRA offered by RBFCU?
    + -

    RBFCU Investments Group financial advisors offer IRAs through Ameriprise Financial. Your financial advisor can help you choose investment solutions from a variety of managed accounts, mutual funds, annuities and stocks.

    RBFCU offers IRAs. A credit union employee in the IRA department can help you choose if you should deposit your money in an IRA savings account or an IRA certificate of deposit. The IRAs offered by RBFCU are insured separately up to $250,000 from other deposit accounts by the National Credit Union Administration (NCUA). IRAs offered by RBFCU Investments Group are not insured by the NCUA.

 

ATMS

  • What's the difference between an IRA offered by RBFCU Investments Group and an IRA offered by RBFCU?
    + -

    RBFCU Investments Group financial advisors offer IRAs through Ameriprise Financial. Your financial advisor can help you choose investment solutions from a variety of managed accounts, mutual funds, annuities and stocks.

    RBFCU offers IRAs. A credit union employee in the IRA department can help you choose if you should deposit your money in an IRA savings account or an IRA certificate of deposit. The IRAs offered by RBFCU are insured separately up to $250,000 from other deposit accounts by the National Credit Union Administration (NCUA). IRAs offered by RBFCU Investments Group are not insured by the NCUA.

 

SAFE DEPOSIT BOXES

  • What's the difference between an IRA offered by RBFCU Investments Group and an IRA offered by RBFCU?
    + -

    RBFCU Investments Group financial advisors offer IRAs through Ameriprise Financial. Your financial advisor can help you choose investment solutions from a variety of managed accounts, mutual funds, annuities and stocks.

    RBFCU offers IRAs. A credit union employee in the IRA department can help you choose if you should deposit your money in an IRA savings account or an IRA certificate of deposit. The IRAs offered by RBFCU are insured separately up to $250,000 from other deposit accounts by the National Credit Union Administration (NCUA). IRAs offered by RBFCU Investments Group are not insured by the NCUA.

 

ID REQUIREMENT POLICY

  • What's the difference between an IRA offered by RBFCU Investments Group and an IRA offered by RBFCU?
    + -

    RBFCU Investments Group financial advisors offer IRAs through Ameriprise Financial. Your financial advisor can help you choose investment solutions from a variety of managed accounts, mutual funds, annuities and stocks.

    RBFCU offers IRAs. A credit union employee in the IRA department can help you choose if you should deposit your money in an IRA savings account or an IRA certificate of deposit. The IRAs offered by RBFCU are insured separately up to $250,000 from other deposit accounts by the National Credit Union Administration (NCUA). IRAs offered by RBFCU Investments Group are not insured by the NCUA.

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