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.

REALLY FREE CHECKING

Why did a transfer automatically go into account xxxx?
+ -
Default accounts are picked based on the member’s most used account, but members can select a new default account at any time.

Visit the Account Settings page in your Online Banking account, and toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.

To change your default account on the RBFCU Mobile app:
1. Sign in to the RBFCU Mobile app.
2. Select the profile icon in the top right corner of the screen.
3. Select “Profile Settings.”
4. Select “Update” under “Account Settings.”
5. Toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.
If you accept funds from a sender before making this change, you can perform a transfer by visiting “Transfer Money to Myself or Joint” in Move Money in Online Banking, or by tapping “Move Money,” then “Transfer/Send Money,” then “Send Money to Myself or Joint” in the RBFCU Mobile app.

FREEDOM DEBIT CARD

Why did a transfer automatically go into account xxxx?
+ -
Default accounts are picked based on the member’s most used account, but members can select a new default account at any time.

Visit the Account Settings page in your Online Banking account, and toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.

To change your default account on the RBFCU Mobile app:
1. Sign in to the RBFCU Mobile app.
2. Select the profile icon in the top right corner of the screen.
3. Select “Profile Settings.”
4. Select “Update” under “Account Settings.”
5. Toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.
If you accept funds from a sender before making this change, you can perform a transfer by visiting “Transfer Money to Myself or Joint” in Move Money in Online Banking, or by tapping “Move Money,” then “Transfer/Send Money,” then “Send Money to Myself or Joint” in the RBFCU Mobile app.

LOST DEBIT CARD

Why did a transfer automatically go into account xxxx?
+ -
Default accounts are picked based on the member’s most used account, but members can select a new default account at any time.

Visit the Account Settings page in your Online Banking account, and toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.

To change your default account on the RBFCU Mobile app:
1. Sign in to the RBFCU Mobile app.
2. Select the profile icon in the top right corner of the screen.
3. Select “Profile Settings.”
4. Select “Update” under “Account Settings.”
5. Toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.
If you accept funds from a sender before making this change, you can perform a transfer by visiting “Transfer Money to Myself or Joint” in Move Money in Online Banking, or by tapping “Move Money,” then “Transfer/Send Money,” then “Send Money to Myself or Joint” in the RBFCU Mobile app.

OVERDRAFT PROTECTION & COURTESY PAY

Why did a transfer automatically go into account xxxx?
+ -
Default accounts are picked based on the member’s most used account, but members can select a new default account at any time.

Visit the Account Settings page in your Online Banking account, and toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.

To change your default account on the RBFCU Mobile app:
1. Sign in to the RBFCU Mobile app.
2. Select the profile icon in the top right corner of the screen.
3. Select “Profile Settings.”
4. Select “Update” under “Account Settings.”
5. Toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.
If you accept funds from a sender before making this change, you can perform a transfer by visiting “Transfer Money to Myself or Joint” in Move Money in Online Banking, or by tapping “Move Money,” then “Transfer/Send Money,” then “Send Money to Myself or Joint” in the RBFCU Mobile app.

ROUND UP PROGRAM

Why did a transfer automatically go into account xxxx?
+ -
Default accounts are picked based on the member’s most used account, but members can select a new default account at any time.

Visit the Account Settings page in your Online Banking account, and toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.

To change your default account on the RBFCU Mobile app:
1. Sign in to the RBFCU Mobile app.
2. Select the profile icon in the top right corner of the screen.
3. Select “Profile Settings.”
4. Select “Update” under “Account Settings.”
5. Toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.
If you accept funds from a sender before making this change, you can perform a transfer by visiting “Transfer Money to Myself or Joint” in Move Money in Online Banking, or by tapping “Move Money,” then “Transfer/Send Money,” then “Send Money to Myself or Joint” in the RBFCU Mobile app.

SAVINGS

Why did a transfer automatically go into account xxxx?
+ -
Default accounts are picked based on the member’s most used account, but members can select a new default account at any time.

Visit the Account Settings page in your Online Banking account, and toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.

To change your default account on the RBFCU Mobile app:
1. Sign in to the RBFCU Mobile app.
2. Select the profile icon in the top right corner of the screen.
3. Select “Profile Settings.”
4. Select “Update” under “Account Settings.”
5. Toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.
If you accept funds from a sender before making this change, you can perform a transfer by visiting “Transfer Money to Myself or Joint” in Move Money in Online Banking, or by tapping “Move Money,” then “Transfer/Send Money,” then “Send Money to Myself or Joint” in the RBFCU Mobile app.

CERTIFICATES

Why did a transfer automatically go into account xxxx?
+ -
Default accounts are picked based on the member’s most used account, but members can select a new default account at any time.

Visit the Account Settings page in your Online Banking account, and toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.

To change your default account on the RBFCU Mobile app:
1. Sign in to the RBFCU Mobile app.
2. Select the profile icon in the top right corner of the screen.
3. Select “Profile Settings.”
4. Select “Update” under “Account Settings.”
5. Toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.
If you accept funds from a sender before making this change, you can perform a transfer by visiting “Transfer Money to Myself or Joint” in Move Money in Online Banking, or by tapping “Move Money,” then “Transfer/Send Money,” then “Send Money to Myself or Joint” in the RBFCU Mobile app.

RBFCU CHOICE MONEY MARKET

Why did a transfer automatically go into account xxxx?
+ -
Default accounts are picked based on the member’s most used account, but members can select a new default account at any time.

Visit the Account Settings page in your Online Banking account, and toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.

To change your default account on the RBFCU Mobile app:
1. Sign in to the RBFCU Mobile app.
2. Select the profile icon in the top right corner of the screen.
3. Select “Profile Settings.”
4. Select “Update” under “Account Settings.”
5. Toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.
If you accept funds from a sender before making this change, you can perform a transfer by visiting “Transfer Money to Myself or Joint” in Move Money in Online Banking, or by tapping “Move Money,” then “Transfer/Send Money,” then “Send Money to Myself or Joint” in the RBFCU Mobile app.

RBFCU CLASSIC MONEY MARKET

Why did a transfer automatically go into account xxxx?
+ -
Default accounts are picked based on the member’s most used account, but members can select a new default account at any time.

Visit the Account Settings page in your Online Banking account, and toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.

To change your default account on the RBFCU Mobile app:
1. Sign in to the RBFCU Mobile app.
2. Select the profile icon in the top right corner of the screen.
3. Select “Profile Settings.”
4. Select “Update” under “Account Settings.”
5. Toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.
If you accept funds from a sender before making this change, you can perform a transfer by visiting “Transfer Money to Myself or Joint” in Move Money in Online Banking, or by tapping “Move Money,” then “Transfer/Send Money,” then “Send Money to Myself or Joint” in the RBFCU Mobile app.

MEMBERSAFE

Why did a transfer automatically go into account xxxx?
+ -
Default accounts are picked based on the member’s most used account, but members can select a new default account at any time.

Visit the Account Settings page in your Online Banking account, and toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.

To change your default account on the RBFCU Mobile app:
1. Sign in to the RBFCU Mobile app.
2. Select the profile icon in the top right corner of the screen.
3. Select “Profile Settings.”
4. Select “Update” under “Account Settings.”
5. Toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.
If you accept funds from a sender before making this change, you can perform a transfer by visiting “Transfer Money to Myself or Joint” in Move Money in Online Banking, or by tapping “Move Money,” then “Transfer/Send Money,” then “Send Money to Myself or Joint” in the RBFCU Mobile app.

INDIVIDUAL RETIREMENT ACCOUNTS (IRAS)

Why did a transfer automatically go into account xxxx?
+ -
Default accounts are picked based on the member’s most used account, but members can select a new default account at any time.

Visit the Account Settings page in your Online Banking account, and toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.

To change your default account on the RBFCU Mobile app:
1. Sign in to the RBFCU Mobile app.
2. Select the profile icon in the top right corner of the screen.
3. Select “Profile Settings.”
4. Select “Update” under “Account Settings.”
5. Toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.
If you accept funds from a sender before making this change, you can perform a transfer by visiting “Transfer Money to Myself or Joint” in Move Money in Online Banking, or by tapping “Move Money,” then “Transfer/Send Money,” then “Send Money to Myself or Joint” in the RBFCU Mobile app.

ONLINE BANKING & MOBILE BANKING

Why did a transfer automatically go into account xxxx?
+ -
Default accounts are picked based on the member’s most used account, but members can select a new default account at any time.

Visit the Account Settings page in your Online Banking account, and toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.

To change your default account on the RBFCU Mobile app:
1. Sign in to the RBFCU Mobile app.
2. Select the profile icon in the top right corner of the screen.
3. Select “Profile Settings.”
4. Select “Update” under “Account Settings.”
5. Toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.
If you accept funds from a sender before making this change, you can perform a transfer by visiting “Transfer Money to Myself or Joint” in Move Money in Online Banking, or by tapping “Move Money,” then “Transfer/Send Money,” then “Send Money to Myself or Joint” in the RBFCU Mobile app.

SIGN-IN, EMAIL & TEXT ALERTS

Why did a transfer automatically go into account xxxx?
+ -
Default accounts are picked based on the member’s most used account, but members can select a new default account at any time.

Visit the Account Settings page in your Online Banking account, and toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.

To change your default account on the RBFCU Mobile app:
1. Sign in to the RBFCU Mobile app.
2. Select the profile icon in the top right corner of the screen.
3. Select “Profile Settings.”
4. Select “Update” under “Account Settings.”
5. Toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.
If you accept funds from a sender before making this change, you can perform a transfer by visiting “Transfer Money to Myself or Joint” in Move Money in Online Banking, or by tapping “Move Money,” then “Transfer/Send Money,” then “Send Money to Myself or Joint” in the RBFCU Mobile app.

RBFCU BILL PAY™

Why did a transfer automatically go into account xxxx?
+ -
Default accounts are picked based on the member’s most used account, but members can select a new default account at any time.

Visit the Account Settings page in your Online Banking account, and toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.

To change your default account on the RBFCU Mobile app:
1. Sign in to the RBFCU Mobile app.
2. Select the profile icon in the top right corner of the screen.
3. Select “Profile Settings.”
4. Select “Update” under “Account Settings.”
5. Toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.
If you accept funds from a sender before making this change, you can perform a transfer by visiting “Transfer Money to Myself or Joint” in Move Money in Online Banking, or by tapping “Move Money,” then “Transfer/Send Money,” then “Send Money to Myself or Joint” in the RBFCU Mobile app.

ONLINE DEPOSIT & RBFCU MOBILE DEPOSIT^®

Why did a transfer automatically go into account xxxx?
+ -
Default accounts are picked based on the member’s most used account, but members can select a new default account at any time.

Visit the Account Settings page in your Online Banking account, and toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.

To change your default account on the RBFCU Mobile app:
1. Sign in to the RBFCU Mobile app.
2. Select the profile icon in the top right corner of the screen.
3. Select “Profile Settings.”
4. Select “Update” under “Account Settings.”
5. Toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.
If you accept funds from a sender before making this change, you can perform a transfer by visiting “Transfer Money to Myself or Joint” in Move Money in Online Banking, or by tapping “Move Money,” then “Transfer/Send Money,” then “Send Money to Myself or Joint” in the RBFCU Mobile app.

MOVE MONEY

Why did a transfer automatically go into account xxxx?
+ -
Default accounts are picked based on the member’s most used account, but members can select a new default account at any time.

Visit the Account Settings page in your Online Banking account, and toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.

To change your default account on the RBFCU Mobile app:
1. Sign in to the RBFCU Mobile app.
2. Select the profile icon in the top right corner of the screen.
3. Select “Profile Settings.”
4. Select “Update” under “Account Settings.”
5. Toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.
If you accept funds from a sender before making this change, you can perform a transfer by visiting “Transfer Money to Myself or Joint” in Move Money in Online Banking, or by tapping “Move Money,” then “Transfer/Send Money,” then “Send Money to Myself or Joint” in the RBFCU Mobile app.

PLAID

Why did a transfer automatically go into account xxxx?
+ -
Default accounts are picked based on the member’s most used account, but members can select a new default account at any time.

Visit the Account Settings page in your Online Banking account, and toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.

To change your default account on the RBFCU Mobile app:
1. Sign in to the RBFCU Mobile app.
2. Select the profile icon in the top right corner of the screen.
3. Select “Profile Settings.”
4. Select “Update” under “Account Settings.”
5. Toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.
If you accept funds from a sender before making this change, you can perform a transfer by visiting “Transfer Money to Myself or Joint” in Move Money in Online Banking, or by tapping “Move Money,” then “Transfer/Send Money,” then “Send Money to Myself or Joint” in the RBFCU Mobile app.

MULTIFACTOR AUTHENTICATION (MFA)

Why did a transfer automatically go into account xxxx?
+ -
Default accounts are picked based on the member’s most used account, but members can select a new default account at any time.

Visit the Account Settings page in your Online Banking account, and toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.

To change your default account on the RBFCU Mobile app:
1. Sign in to the RBFCU Mobile app.
2. Select the profile icon in the top right corner of the screen.
3. Select “Profile Settings.”
4. Select “Update” under “Account Settings.”
5. Toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.
If you accept funds from a sender before making this change, you can perform a transfer by visiting “Transfer Money to Myself or Joint” in Move Money in Online Banking, or by tapping “Move Money,” then “Transfer/Send Money,” then “Send Money to Myself or Joint” in the RBFCU Mobile app.

STAR PROGRAM HELP FOR PARENTS

Why did a transfer automatically go into account xxxx?
+ -
Default accounts are picked based on the member’s most used account, but members can select a new default account at any time.

Visit the Account Settings page in your Online Banking account, and toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.

To change your default account on the RBFCU Mobile app:
1. Sign in to the RBFCU Mobile app.
2. Select the profile icon in the top right corner of the screen.
3. Select “Profile Settings.”
4. Select “Update” under “Account Settings.”
5. Toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.
If you accept funds from a sender before making this change, you can perform a transfer by visiting “Transfer Money to Myself or Joint” in Move Money in Online Banking, or by tapping “Move Money,” then “Transfer/Send Money,” then “Send Money to Myself or Joint” in the RBFCU Mobile app.

STAR PROGRAM HELP FOR CHILDREN

Why did a transfer automatically go into account xxxx?
+ -
Default accounts are picked based on the member’s most used account, but members can select a new default account at any time.

Visit the Account Settings page in your Online Banking account, and toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.

To change your default account on the RBFCU Mobile app:
1. Sign in to the RBFCU Mobile app.
2. Select the profile icon in the top right corner of the screen.
3. Select “Profile Settings.”
4. Select “Update” under “Account Settings.”
5. Toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.
If you accept funds from a sender before making this change, you can perform a transfer by visiting “Transfer Money to Myself or Joint” in Move Money in Online Banking, or by tapping “Move Money,” then “Transfer/Send Money,” then “Send Money to Myself or Joint” in the RBFCU Mobile app.

PAPERLESS PREFERENCE (ELECTRONIC STATEMENTS & DOCUMENTS)

Why did a transfer automatically go into account xxxx?
+ -
Default accounts are picked based on the member’s most used account, but members can select a new default account at any time.

Visit the Account Settings page in your Online Banking account, and toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.

To change your default account on the RBFCU Mobile app:
1. Sign in to the RBFCU Mobile app.
2. Select the profile icon in the top right corner of the screen.
3. Select “Profile Settings.”
4. Select “Update” under “Account Settings.”
5. Toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.
If you accept funds from a sender before making this change, you can perform a transfer by visiting “Transfer Money to Myself or Joint” in Move Money in Online Banking, or by tapping “Move Money,” then “Transfer/Send Money,” then “Send Money to Myself or Joint” in the RBFCU Mobile app.

RBFCU MOBILE APP

Why did a transfer automatically go into account xxxx?
+ -
Default accounts are picked based on the member’s most used account, but members can select a new default account at any time.

Visit the Account Settings page in your Online Banking account, and toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.

To change your default account on the RBFCU Mobile app:
1. Sign in to the RBFCU Mobile app.
2. Select the profile icon in the top right corner of the screen.
3. Select “Profile Settings.”
4. Select “Update” under “Account Settings.”
5. Toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.
If you accept funds from a sender before making this change, you can perform a transfer by visiting “Transfer Money to Myself or Joint” in Move Money in Online Banking, or by tapping “Move Money,” then “Transfer/Send Money,” then “Send Money to Myself or Joint” in the RBFCU Mobile app.

APPLE PAY

Why did a transfer automatically go into account xxxx?
+ -
Default accounts are picked based on the member’s most used account, but members can select a new default account at any time.

Visit the Account Settings page in your Online Banking account, and toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.

To change your default account on the RBFCU Mobile app:
1. Sign in to the RBFCU Mobile app.
2. Select the profile icon in the top right corner of the screen.
3. Select “Profile Settings.”
4. Select “Update” under “Account Settings.”
5. Toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.
If you accept funds from a sender before making this change, you can perform a transfer by visiting “Transfer Money to Myself or Joint” in Move Money in Online Banking, or by tapping “Move Money,” then “Transfer/Send Money,” then “Send Money to Myself or Joint” in the RBFCU Mobile app.

SAMSUNG PAY

Why did a transfer automatically go into account xxxx?
+ -
Default accounts are picked based on the member’s most used account, but members can select a new default account at any time.

Visit the Account Settings page in your Online Banking account, and toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.

To change your default account on the RBFCU Mobile app:
1. Sign in to the RBFCU Mobile app.
2. Select the profile icon in the top right corner of the screen.
3. Select “Profile Settings.”
4. Select “Update” under “Account Settings.”
5. Toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.
If you accept funds from a sender before making this change, you can perform a transfer by visiting “Transfer Money to Myself or Joint” in Move Money in Online Banking, or by tapping “Move Money,” then “Transfer/Send Money,” then “Send Money to Myself or Joint” in the RBFCU Mobile app.

ATMS

Why did a transfer automatically go into account xxxx?
+ -
Default accounts are picked based on the member’s most used account, but members can select a new default account at any time.

Visit the Account Settings page in your Online Banking account, and toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.

To change your default account on the RBFCU Mobile app:
1. Sign in to the RBFCU Mobile app.
2. Select the profile icon in the top right corner of the screen.
3. Select “Profile Settings.”
4. Select “Update” under “Account Settings.”
5. Toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.
If you accept funds from a sender before making this change, you can perform a transfer by visiting “Transfer Money to Myself or Joint” in Move Money in Online Banking, or by tapping “Move Money,” then “Transfer/Send Money,” then “Send Money to Myself or Joint” in the RBFCU Mobile app.

SAFE DEPOSIT BOXES

Why did a transfer automatically go into account xxxx?
+ -
Default accounts are picked based on the member’s most used account, but members can select a new default account at any time.

Visit the Account Settings page in your Online Banking account, and toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.

To change your default account on the RBFCU Mobile app:
1. Sign in to the RBFCU Mobile app.
2. Select the profile icon in the top right corner of the screen.
3. Select “Profile Settings.”
4. Select “Update” under “Account Settings.”
5. Toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.
If you accept funds from a sender before making this change, you can perform a transfer by visiting “Transfer Money to Myself or Joint” in Move Money in Online Banking, or by tapping “Move Money,” then “Transfer/Send Money,” then “Send Money to Myself or Joint” in the RBFCU Mobile app.

ID REQUIREMENT POLICY

Why did a transfer automatically go into account xxxx?
+ -
Default accounts are picked based on the member’s most used account, but members can select a new default account at any time.

Visit the Account Settings page in your Online Banking account, and toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.

To change your default account on the RBFCU Mobile app:
1. Sign in to the RBFCU Mobile app.
2. Select the profile icon in the top right corner of the screen.
3. Select “Profile Settings.”
4. Select “Update” under “Account Settings.”
5. Toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.
If you accept funds from a sender before making this change, you can perform a transfer by visiting “Transfer Money to Myself or Joint” in Move Money in Online Banking, or by tapping “Move Money,” then “Transfer/Send Money,” then “Send Money to Myself or Joint” in the RBFCU Mobile app.

With high-value products and services, Randolph-Brooks Federal Credit Union (RBFCU) is a trusted financial partner for thousands of members in Texas, as well as around the world. RBFCU offers all the banking services you would expect from a leading credit union, and we've also made it our mission to help improve our members' economic well-being and quality of life. Our commitment to personalized service makes RBFCU membership the smarter banking choice.

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