Business Frequently Asked Questions

Your questions, answered

We’ve collected some of the most frequently asked questions about our business 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:
Business Loans | SBA Loans | Business Credit Cards | Lost My Card | Business Checking & Savings | Mastercard® Easy Savings | Online & Mobile Banking | Mobile Payment Services | Select Group (SG) Membership | Business Services | Payroll Processing | Merchant Services | Back to all FAQs

 

BUSINESS LOANS

  • Are there any fees to apply for a business loan?
    + -

    RBFCU does not charge application fees on its business loan products.

  • Do I have to be a Select Group (SG) to get a business loan?
    + -

    No, RBFCU has more than 3,500 ways to qualify you for membership. To get more information on becoming an RBFCU Select Group, call our Business Development Office at 210-945-3300 , ext. 53827 or email us at membership@rbfcu.org.

  • Do you look at my personal finances to evaluate my business loan application?
    + -

    As a business owner, your personal finances may be included in our overall underwriting review for your loan.

  • Does RBFCU offer business loan financing to nonprofits?
    + -

    Yes, subject to credit qualifications, RBFCU can offer financing to nonprofit businesses.

  • How do I check my loan status?
    + -

    For consumer loans, you can check your loan status by signing in to your Online Banking account, then selecting “Application Status” from the next menu. You can also call our Consumer Lending Center at 210-945-3300, press option 3 twice or visit your nearest branch.

    For a mortgage or business loan, please communicate with your loan officer regarding your loan status.

  • How long will it take for my business loan application to be reviewed?
    + -

    Because there are many variations and options when it comes to SBA loans, the loan closing process can vary widely. However, your initial application will be reviewed and you will be contacted by a business lending officer within three business days.

  • How long will it take to receive my business loan approval?
    + -

    Time from application to closing varies, depending on the complexity of the request. We recommend you contact us to complete an application as soon as you have identified a need for financing and that you build a very thorough business plan in order to help us determine the financing options that may best suit your needs.

  • Should I apply for a loan online or in a branch?
    + -

    You may apply for a consumer loan or a mortgage loan wherever is most convenient for you. Applying online may be easier because you can ensure you have all the necessary information (paychecks, loan amounts, etc.) to process your loan request, rather than not having all the required materials while applying at the branch. To get started, visit our Loans page or Home Loans page.

    For business loans (excluding business credit cards), call 210-945-3300, ext. 53800 to schedule an appointment with a business loan officer to begin the process.

  • What information is required during the business loan application process?
    + -

    Business loan application requirements can vary depending on the loan type, term and amount. However, as a general guideline, the loan application package will typically include financial statements of the business, tax returns for the guarantor and the business (as applicable) and a personal financial statement. For startups and expansion of existing business, a business plan with three years of projections is required.

  • What's the difference between an SBA loan and a regular business loan?
    + -

    SBA loans are provided through RBFCU and partially backed by the U.S. government. This additional layer of financial backing means potential flexibility for your business. SBA loans may have the potential to provide borrowers with lower down payment requirements and longer loan terms to assist with minimizing monthly payments and improving cash flow.

  • Where can I find your business loan rates?
    + -

    Our business lending officers take many factors into consideration when determining your business loan rate, including collateral, financial standing and desired loan terms. Because so many variables are involved in setting the proper rate, discussing your situation with a Business Lending officer is the best way to begin determining the rate and terms that may fit your business' needs and situation. To get started, contact our Business Solutions team at 210-945-3300 or BusinessSolutions@rbfcu.org, or visit your local RBFCU branch.

  • Why should I choose an SBA loan instead of a conventional business loan?
    + -

    An SBA loan can be beneficial if you are seeking flexibility in your loan terms. If you are uncertain about the type of loan you may need, our business lending specialists can work with you to determine which option best suits your business.

  • Will my business loan have a prepayment penalty?
    + -

    Business loans through RBFCU typically carry no prepayment penalties, although SBA loans offered through RBFCU may include a prepayment penalty on the portion that is government-financed.

 

SBA LOANS

  • Are there any fees associated with applying for an SBA loan?
    + -

    There are no fees associated with applying for an SBA loan.

  • Can I use an SBA loan to fund a startup?
    + -

    Yes, SBA loans can be used to fund startups. The 7(a) or (504) options may fit your financing needs.

  • How do I check my loan status?
    + -

    For consumer loans, you can check your loan status by signing in to your Online Banking account, then selecting “Application Status” from the next menu. You can also call our Consumer Lending Center at 210-945-3300, press option 3 twice or visit your nearest branch.

    For a mortgage or business loan, please communicate with your loan officer regarding your loan status.

  • How long will it take for my business loan application to be reviewed?
    + -

    Because there are many variations and options when it comes to SBA loans, the loan closing process can vary widely. However, your initial application will be reviewed and you will be contacted by a business lending officer within three business days.

  • How long will it take to receive my business loan approval?
    + -

    Time from application to closing varies, depending on the complexity of the request. We recommend you contact us to complete an application as soon as you have identified a need for financing and that you build a very thorough business plan in order to help us determine the financing options that may best suit your needs.

  • Should I apply for a loan online or in a branch?
    + -

    You may apply for a consumer loan or a mortgage loan wherever is most convenient for you. Applying online may be easier because you can ensure you have all the necessary information (paychecks, loan amounts, etc.) to process your loan request, rather than not having all the required materials while applying at the branch. To get started, visit our Loans page or Home Loans page.

    For business loans (excluding business credit cards), call 210-945-3300, ext. 53800 to schedule an appointment with a business loan officer to begin the process.

  • What are the interest rates for SBA loans?
    + -

    Interest rates are indexed to the Prime Rate, and are based on multiple factors, including collateral, loan term, loan amount and business credit. Once you begin the loan process, your SBA loan specialist can provide additional details on rates you may qualify for.

  • What is the smallest SBA loan amount I can get?
    + -

    While amounts vary, RBFCU provides SBA loan products to meet the needs of all small business owner. Seasoned businesses will require proof of income, usually the last three years tax returns. New businesses will need a business plan with 36 months of detailed financial projections. The first 12-month period of the projections must be broken down month-by-month. Contact a Business Solutions representative for more information.

  • What's the difference between an SBA loan and a regular business loan?
    + -

    SBA loans are provided through RBFCU and partially backed by the U.S. government. This additional layer of financial backing means potential flexibility for your business. SBA loans may have the potential to provide borrowers with lower down payment requirements and longer loan terms to assist with minimizing monthly payments and improving cash flow.

  • Why should I choose an SBA loan instead of a conventional business loan?
    + -

    An SBA loan can be beneficial if you are seeking flexibility in your loan terms. If you are uncertain about the type of loan you may need, our business lending specialists can work with you to determine which option best suits your business.

 

BUSINESS CREDIT CARDS

  • Can I get a business credit card through RBFCU?
    + -

    Yes, we offer a Business Select credit card. This card offers great benefits for business owners, including setting specific spending limits for your delegates. You can apply for a business credit card by signing in to your Online Banking account.

  • How do I add an authorized user to my business credit card?
    + -

    To add authorized RBFCU Business Select credit card users to your account, call our Payment Services Team at 210-945-3300, ext. 74571 or send us a secure message through your Online Banking account to begin the process. You’ll need to include the authorized user’s name and the limit you would like them to have. Our Business Solutions specialists will let you know any additional specific information you will need to provide.

  • How do I create spending limits for authorized business credit card users?
    + -

    To set spending limits for authorized business credit card users, call our Payment Services team at 210-945-3300, ext. 74571 or send us a secure message via your Online Banking account.

  • I currently have a personal credit card that I use for my business. How do I convert to a business credit card?
    + -

    You may keep your existing credit card for non-business use and/or apply for a business credit card to solely track business expenses. To apply for a business credit card, sign in to your Online Banking account.

  • I have a personal credit card with RBFCU. How is it different from a business credit card?
    + -

    An RBFCU Business Mastercard credit card provides a 2% flat cashback earning potential without a ceiling or tiered system. This card is designed to support the unique needs of a business by offering features tailored to handle different aspects of a business credit card such as multiple employee cards with designated limits under a master account limit. A different card number is issued to each employee, which will not interrupt the use of the account should an employee lose a card, or if an employee leaves the company and requires termination of the card.

  • Who in my business can cash out business credit card rewards?
    + -

    The person designated as your account administrator may cash out rewards.

 

LOST MY CARD

  • 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: 210-945-3300
    • 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: 210-945-3300
    • 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.

 

BUSINESS CHECKING & SAVINGS

  • Can I open a business checking account online?
    + -

    You currently cannot open an RBFCU Business Checking Account online. However, call 210-945-3300, ext. 66950, then choose option 2, and one of our Remote Member Assistance representatives will assist you.

  • Can I open an RBFCU Choice Money Market for my business?
    + -

    No. The Choice Money Market is not available for business accounts or any account using an EIN.

  • How can I open a business checking account?
    + -

    Currently business accounts are not available to open through the online application process. Many new members prefer to establish their relationship with RBFCU and open a business account at a branch location so they can have one of our account opening experts walk them through the process.

    If you have any questions, please contact Remote Member Assistance at 210-945-3300, ext. 66950, then choose option 2.

  • How do I choose my business checking account type?
    + -

    Members may choose the type of account based on estimated transactions per month. To request a specific business checking account type, you may initiate the process by contacting our Remote Member Assistance team at 210-945-3300, ext. 66950, then choose option 2, or send a secure message through your Online Banking account.

  • I have a business loan with RBFCU. Do I get a discount on my business checking?
    + -

    Account fees will be waived for businesses that have a business loan balance over $50,000.

  • I know I'm going to have more transactions than usual on my business checking account this month. Can I switch my account type?
    + -

    We recommend that you find one business checking account that best suits your needs and use that account type as your default. However, if you determine a long-term business need to change account types, you may contact our Business Solutions team at 210-945-3300, ext. 53800, then choose option 6, and they will assist you with making necessary updates to your account.

  • My business is a non-profit. Do you have any special account options for me?
    + -

    We have several different options for business checking accounts. If you are a non-profit organization in search of an account that fits your needs, you may contact our Remote Member Assistance team at 210-945-3300 , ext. 66950, then choose option 2, regarding your needs and they may be able to help you find an offering that best suits you.

  • What counts as an item for a monthly transaction on my business checking account?
    + -

    An item is a line item on your statement. Items include any deposit1, check2, ACH funds transfer, teller cash withdrawal, ATM withdrawal, debit card purchase, non RBFCU fee, charge or other amount added to or subtracted from your balance with the exception of RBFCU fees.

    1Checks deposited at a branch in one single transaction are considered one item. Separate deposits are considered one item each. Cash deposits (any cash and check deposit combination made in one deposit is considered one item), or any electronic deposit.

    2Cleared checks (each check that clears your account is one item).

 

MASTERCARD EASY SAVINGS

  • Who is eligible to join Mastercard Easy Savings?
    + -

    This program is currently offered to RBFCU Mastercard Freedom Business Debit Cardholders. RBFCU Business Select credit cards are not eligible.

  • How do I use Mastercard Easy Savings?
    + -

    Business debit cardholders can shop at participating Program Partners, pay the normal price for eligible purchases and then automatically receive rebates which they can view on their monthly or paperless statements. The purchases must be processed as a credit transaction to qualify. Sign or select “Credit” when making a purchase with your business debit card. If prompted for PIN, hit cancel and sign.

  • Are my purchases eligible for a Mastercard Easy Savings rebate if I use my business debit card as a PIN-based transaction?
    + -

    No. In order for a purchase to qualify for the rebate, the purchase must be made at a participating Program Partners and processed as a credit transaction to qualify. You must sign or select “Credit” when making a purchase with your business debit card. If prompted for PIN, hit cancel and sign.

  • If I have multiple business debit cards under one account, can I link all of those cards and enroll them into Mastercard Easy Savings?
    + -

    Yes. You can link all eligible cards in Mastercard Easy Savings to view all rebates.

  • What do I need to enroll in Mastercard Easy Savings?
    + -

    RBFCU Mastercard Freedom Business Debit Cards are automatically enrolled.

    There are additional benefits through the Mastercard Easy Savings website. You can take advantage of online reporting to track rebate totals for all of the participating Program Partners on your card(s) and link all eligible cards associated with your business. This allows you to view the total savings earned on each card, as well as the cumulative rebate totals on all cards. All that’s required for this enhanced reporting is for you to create a user ID and password so you can access the secure information on the Mastercard website. Your Online Banking credentials aren’t automatically transferable when you’re eligible for this program. You must create a unique user ID and password at easysavings.com. 

    In addition, you can view the qualifying purchases and rebates via your monthly bank or credit card statements or on rbfcu.org.

  • How is Mastercard Easy Savings different from other rebate programs?
    + -

    Mastercard Easy Savings is an automatic business debit card rebate program that requires no coupons or codes to save on your business purchases.

  • What are the benefits of Mastercard Easy Savings?
    + -

    Mastercard Easy Savings is easy to use and automatically fulfilled. When you make purchases at participating Program Partners with your business debit card, the rebate(s) are processed automatically. These rebates are included on your monthly bank statements.

  • Where can I use my business debit card to benefit from Mastercard Easy Savings and receive rebates?
    + -

    Currently, Mastercard has a diversified list of frequently used participating Program Partners categories that are relevant to business cardholders: Travel & Entertainment, Office Supplies, Telecom, Business Services, Shipping and Computer/Technology Related*. You can check here to view an updated list of participating merchants. The purchases must be processed as a credit transaction to qualify. Sign or select “Credit” when making a purchase with your business debit card. If prompted for PIN, hit cancel and sign.

  • Is there a fee to register or join Mastercard Easy Savings?
    + -

    There’s no cost to register or join the Easy Savings program. There are no coupons or codes. You only need to use your eligible business debit card to get the rebates.

  • Do I need to complete forms and submit receipts or use participating Program Partner coupons to receive my Mastercard Easy Savings rebates?
    + -

    No. You don’t need to fill out any forms, submit any receipts or use coupons to receive rebates at participating Program Partners. The purchases must be processed as a credit transaction to qualify. Sign or select “Credit” when making a purchase with your business debit card. If prompted for PIN, hit cancel and sign.

  • How do I receive the rebates provided by Mastercard Easy Savings?
    + -

    Mastercard Easy Savings provides rebates on purchases made at participating Program Partners. This isn’t a cash back or point redemption program.

    Rebates will automatically post to your account in conjunction with a qualifying purchase generally 3-5 business days after the purchase has been made. Rebates don’t accumulate; they’re posted at the time the qualifying purchase clears. Rebates may post 1-2 days earlier on the Mastercard Easy Savings website than on your online or paper bank statement based on the rebate clearing process. The purchases must be processed as a credit transaction to qualify. Sign or select “Credit” when making a purchase with your business debit card. If prompted for PIN, hit cancel and sign.

  • Do Mastercard Easy Savings rebates have an expiration date?
    + -

    There are no specific expiration dates on participating Program Partner rebate offers; however, you should check the website often for partner offer details as partners may choose to exit the program or adjust valid locations. There may also be cases when a partner decides to provide a special offer in addition to the Mastercard Easy Savings rebate. Continue to check the Mastercard Easy Savings website for the latest offers.

  • Do Mastercard Easy Savings rebates supersede any other rebate or special offer I may receive from a participating Program Partner and/or bank?
    + -

    Mastercard Easy Savings rebates are usually in addition to other offers made by participating Program Partners, banks or other third-party vendors. See the Terms & Conditions and each participating Program Partner offer details for additional information.

  • Will I receive the same Easy Savings rebate at a participating Program Partner if I use my Mastercard business card for in-store and online purchases?
    + -

    The particular terms of each rebate offer are unique to each Participating Partner and Mastercard recommends that you review the offer details for each partner, which can be found on easysavings.com.

  • How long after my purchase will I see the Mastercard Easy Savings rebate?
    + -

    You should be able to view the rebates on your Online Banking account generally within 3-5 business days after making the qualifying purchase. In addition, you can view the rebates within 1-2 business days after making the qualifying purchase on the Mastercard Easy Savings website, if you have a user ID and password.

  • Where can I view my Mastercard Easy Savings rebates?
    + -

    You can view the Mastercard Easy Savings rebates on your Online Banking statement, your monthly RBFCU statement or via the Mastercard Easy Savings website.

  • If some or all of the qualifying purchase is returned, will the Mastercard Easy Savings rebate be impacted?
    + -

    Yes. At the time of a partial or full return, Mastercard will reverse some or all of the rebate.

  • What happens to my Mastercard Easy Savings rebates if my card is canceled?
    + -

    You should contact RBFCU Payment Services at 210-637-4571 regarding specific policies.

  • What happens to my rebates if I choose to exit the Mastercard Easy Savings program?
    + -

    All Mastercard Easy Savings rebates post within 3-5 business days on your bank statements and you’ll still see rebates on any qualifying purchases up until the day you’re removed from Mastercard Easy Savings. This request must be completed through RBFCU by calling 210-637-4571.

  • Is my information secure when using Mastercard Easy Savings?
    + -

    Mastercard strives to maintain the security of information furnished to Mastercard. Mastercard uses technical security measures to protect information that you provide to us through the Mastercard Easy Savings website, for example, by encrypting such information.

    Mastercard treats your information in accordance with the Privacy Policy that we provide to you at the time of enrollment, and which is available on this website's Business Privacy Policy. Please refer to this Privacy Policy if this doesn’t address your concerns over security.

 

ONLINE & MOBILE BANKING

  • Am I getting charged every time I receive an Alert?
    + -

    Alerts are a free service provided by RBFCU. We will not charge you for Alerts 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.

  • Can any type of check be scanned for Mobile 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 Mobile Deposit 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 access my account if fingerprint or face recognition don’t work on my phone?
    + -

    Yes. You will always have the option to sign in to the RBFCU Mobile app with your username and password. However, a lock screen must be enabled to access all features in the RBFCU Mobile app.

  • 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 change my username, password, or security questions and answers from the RBFCU Mobile app?
    + -

    Yes. Open the RBFCU Mobile app and sign in to your account. Tap the “My Profile” icon in the top-right corner of the screen and select “Profile Settings.” Here, you can choose to change your username, password, or security questions and answers.

  • Can I change or delete a 'Favorite'?
    + -

    To edit or delete a Favorite, sign in to your Online Banking account on rbfcu.org, select the “Move Money” menu, then “Transfer Money.” Then, click on “Manage Favorites List” on the right side of the page, and choose an account to edit its Nickname, or check the box next to “Delete” to remove it from your Favorites list.

    Currently, this feature is only available through Online Banking on rbfcu.org, but we are working to add it to the RBFCU Mobile app.

  • Can I request to increase my daily/monthly Mobile Deposit limit?
    + -

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

  • Can I reset my username or password from the RBFCU Mobile app?
    + -

    Yes. Open the RBFCU Mobile app on your phone, and tap “Having Trouble Signing In?” Follow the prompts to reset your username or password.

  • Can I schedule a recurring transfer within my account or to another RBFCU account holder?
    + -

    Yes. To set up a recurring transfer to one of your other accounts or any other RBFCU account, sign in to your Online Banking account on rbfcu.org, select the “Move Money” menu, then “Transfer Money” to create a new transfer. Complete the transfer details and select “Recurring” as the “Transfer Type.” You’ll be given options to add a “Start Date,” “Frequency” and “Amount” for the recurring transfer.

    To set up a recurring transfer in the RBFCU Mobile app, sign in and tap “Move Money,” then “Transfer/Send Money.” Select whether you’d like to send money to “Myself” or “Someone Else.” Complete the transfer details, and tap “Schedule for Future.” Then, you’ll be given options to choose a transfer “Frequency,” “Start Date” and “End Date” to set up a recurring transfer.

  • Can I transfer to an account at another financial institution?
    + -

    Yes. If you’re transferring funds to another person’s account, you will need the account holder’s name, their account number, their financial institution’s routing number and their account type to complete the transfer details.

    To set up a transfer to an external account on your computer, sign in to your Online Banking account on rbfcu.org, select the “Move Money” menu, then “Transfer Money” to create a new transfer. Select “Outside RBFCU” as the “Transfer Type” to set up an electronic funds transfer to another financial institution.

    To set up a transfer to a non-RBFCU account in the RBFCU Mobile app, sign in and tap “Move Money,” then “Transfer/Send Money.” If you choose to “Send Money to Myself,” tap “Add Other Account” to add an external account. If you choose “Send Money to Someone Else,” first tap “Account,” then “Add Other Account” to set up a transfer to another financial institution. If you send to this account frequently, check the “Add to Favorites” box to save it for next time.

  • Do I have to accept the Terms and Conditions to use the RBFCU Mobile app?
    + -

    Yes. Members are required to accept the Terms and Conditions after installing and opening the app before they are able to sign in.

  • Do I need to include a deposit slip with my check when using Mobile Deposit?
    + -

    No. The Mobile Deposit 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 210-945-3300 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 can I enroll in electronic statements for my credit card online?
    + -

    To receive your Mastercard statements online, go to the Mastercard tab and click on the last four digits of the Mastercard account number that you want to view. You will then be directed to the eZCard site. Once in Activity Overview, select the “Statements” option at the top of the activity homepage. From the drop-down menu select “Statement Delivery Options.” You will be directed to a page that will ask if you want electronic statements or if you would prefer to receive your statements by mail. You will need to verify your ability to receive and view PDF files.

    Please ensure the email address listed is current before selecting the button at the bottom that says “I Agree.” Once this is completed, you will receive an email to confirm your statement preferences. 

  • How can I manage permission settings for the RBFCU Mobile app on my device?
    + -

    You can change permissions to allow or deny apps to use various features on your phone, such as your camera or contacts list in your phone’s Settings.

    Please note: Settings can vary by phone. For more information, contact your device’s manufacturer.

    For Apple users:

    1. From the Home screen, open the “Settings” app on your device.
    2. Scroll down to the list of apps at the bottom, and choose the RBFCU Mobile app.
    3. Here, you can choose to enable or disable permissions for specific app features.

    For Android users:

    1. From the Home screen, swipe up or tap the “All Apps” button.
    2. Find and open the “Settings” app on the “All Apps” screen.
    3. Tap “Apps & Notifications.”
    4. Tap the RBFCU Mobile app. If you can't find it, first tap “See all apps” or “App info.”
    5. Tap “Permissions.” Here, you can enable or disable permissions for specific app features by tapping a feature, then choosing “Allow” or “Deny.”
  • How can I receive an annual statement for my Mastercard credit card?
    + -
  • How do face and fingerprint options work with the RBFCU Mobile app?
    + -

    The RBFCU Mobile app’s “Remember Me” option allows you to use face or fingerprint (biometric) options to identify and authenticate you when signing in to your account.

    Once you enable Remember Me within the app, you will be prompted to sign in with your username and password at least once to verify. Your username and password will be captured, and you can sign in using a biometric option starting next time you sign in.

  • How do I access Mobile Deposit from the RBFCU Mobile app?
    + -

    To access Mobile Deposit, sign in to the RBFCU Mobile app, then choose the “Mobile Deposit” icon in the bottom menu. From there, the app will guide you through each step of the Mobile 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 “Mobile Deposit” from the “I Want To...” menu.
    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.
    5. Enter the appropriate information and click “Load” to upload the file.
    6. 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 “Mobile Deposit” 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 “Load” to upload the file.
    6. Select “Submit.”
  • How do I deposit checks with my smartphone or tablet?
    + -
    1. Sign in to the RBFCU Mobile app, and tap "Mobile Deposit" at the bottom of the screen.
    2. Endorse your check by signing your name on the back, then add "For mobile deposit only," your account number and the date.
    3. Using the drop-down menu at the top of the screen, select the account where you’d like to deposit the check.
    4. Tap the "Front" and "Back" camera icons to take photos of the front and back of the check using your mobile device’s camera, and follow the prompts.
    5. Once you've taken photos of the check, make sure that the deposit amount shown in the app matches the amount written on your paper check.
    6. Click “Submit” to complete your deposit. Typically, you should see the funds in your account right away.
  • How do I download the RBFCU Mobile app?
    + -

    To download the RBFCU Mobile app:

    For full app functionality, please ensure your device is running the latest software. Apple devices require iOS 11.0 or later, and Android devices require Android 5.0 or later.

  • How do I enable a lock screen on my device?
    + -

    To enable a lock screen on your device,

    1. Open “Settings” on your device, and set a passcode, finger-swipe pattern, face or fingerprint that will be used to access your device when it’s locked.
    2. Restart your device.
    3. When your device restarts, you’ll be prompted to put in your new authentication to unlock it.
    4. Open the RBFCU Mobile app.
    5. Click on “Profile Settings.” If you’re able to access this screen, you’re all set!

    If you need further assistance enabling a lock screen on your device, click here for Apple instructions and click here for Android instructions.

    Where to set up a lock screen on an Apple device:
    Where to set up a lock screen on an Apple device

    Where to set up a lock screen on an Android device:
    Where to set up a lock screen on an Android device

  • How do I enroll in paperless statements?
    + -

    To sign up for paperless 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 Mobile Deposit?
    + -

    To view processed a Mobile Deposit:

    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 “Mobile Deposit.”
    4. On the Mobile Deposit screen, select the “Deposit History” (folder) icon.
    5. Select the PDF icon to the right of the deposit you wish to review.
  • How do I open a checking account from the RBFCU Mobile app?
    + -

    To open a new checking account:

    1. Sign in to the RBFCU Mobile app
    2. Tap "New Account" under Deposit Accounts on the Account Summary page
    3. Verify your address, and tap "Let's get started!" to follow the self-service directions
  • How do I set up fingerprint or face recognition on my device?
    + -

    To turn on face and fingerprint (biometric) options on your device, open the “Settings” app, and follow the instructions provided with your device. To enable biometrics options, you’ll also need to set up a passcode lock, if you haven’t already. For additional help enabling biometrics, choose your option/device below:

    After you’ve enabled biometrics:

    1. Open the RBFCU Mobile app.
    2. Enter your username and password.
    3. Enable “Remember Me” by tapping the toggle switch under the “Password” field.
    4. Tap the “Sign In” button.

    Once you enable Remember Me within the app, you will be prompted to sign in with your username and password at least once to verify. Your username and password will be captured, and you can sign in using a biometric option starting next time you sign in.

  • 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.
  • How do I turn off 'Quick Balance' in the RBFCU Mobile app?
    + -

    If you've enabled Quick Balance in the RBFCU Mobile app, but no longer wish to use it, you can disable it any time:

    1. Open the RBFCU Mobile app and, before you sign in, look for “Quick Balance” at the bottom of the sign-in screen.
    2. Tap “Quick Balance” to bring up the feature. Tap the “Settings” (gear) icon on the right to open the Settings on your phone.
    3. In the RBFCU Mobile app settings, turn the toggle switch next to “Quick Balance” to the “off” position.

    You can also disable the Quick Balance option by going directly to your phone’s Settings, and updating the settings for the RBFCU Mobile app.

    Please note: Anyone who uses your mobile device will be able to see your account balances when Quick Balance is enabled.

  • How do I turn on the 'Remember Me' option in the RBFCU Mobile app?
    + -

    The Remember Me option works in two distinct ways, based on your mobile device’s capabilities. To use the feature:

    1. Open the RBFCU Mobile app and enter your username and password.
    2. Before you tap the “Sign In” button, toggle the “Remember Me” button under the password field to "on."

    If your device has both face/fingerprint (biometric) and passcode locks, enabling Remember Me will store your username and password, and allow you to use biometric options or your passcode when signing in.

    If your device has a passcode lock only, and is not compatible with biometrics, enabling Remember Me will only store your username. You will still have to enter your password each time you sign in.

    Once you enable Remember Me within the app, you will be prompted to sign in with your username and password at least once to verify. Your credentials will be captured, and you can sign in using a biometric option or password next time you sign in.

    Remember Me option in RBFCU Mobile app:
    "Remember Me" option on RBFCU Mobile app

    Biometric options on Android device:
    Biometric options on Android device

    Apple device with Touch ID:
    Apple device with fingerprint option

    Apple device with Face ID:
    Apple device with face option

  • How do I update the RBFCU Mobile app to the latest version?
    + -

    Image of the RBFCU Mobile app in the App Store on an iPhone screen, with an Update button to update the app. To update the RBFCU Mobile app to the latest version:

    1. Go to the RBFCU Mobile app listing in the Apple App Store or Google Play Store on your phone.
    2. If you see an “Update” button, your app needs to be updated to the latest version.
    3. Tap the button to update.

    To run the latest version of the RBFCU Mobile app, Apple devices require iOS 11.0 or later, and Android devices require Android 5.0 or later.

  • How long can I view my Mobile Deposit history?
    + -

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

  • 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.

  • How long does it take for an online payment to reach a biller with Bill Pay?
    + -

    We recommend scheduling your payments to be made at least 5 business days prior to the actual payment due date on the bill. Scheduling your payments sufficiently in advance of the due date allows enough time for the biller to receive the payment and credit to your account.

  • 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 many transfers can I make each month?
    + -

    You can make unlimited transfers from your savings or checking account each month. However, only six transfers per month can be made from your Money Market account.

  • How much does a Same Day Bill Pay cost?
    + -

    The cost for a Same Day Bill Pay transaction is $12. Using this convenient service can help you avoid more costly fees from other service providers. However, not all payees offer Same Day Bill Pay. If a payee offers it, it will display as “Rush Delivery” in the payee’s area of Bill Pay in your Online Banking account.

  • How much is the Mobile 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 210-945-3300.

  • How will I access my Bill Pay profile?
    + -

    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.
  • I am receiving an error message. Why am I unable to complete my transfer?
    + -

    Please check to ensure the transfer details were entered correctly. If you’re still unable to complete the transfer, please contact a Member Service Representative through chat or secure message in your Online Banking account, or call 210-945-3300.

  • 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.

  • I enrolled in electronic bill pay. Why do I see two deposits in my account for less than $1?
    + -

    When adding another RBFCU account in Bill Pay, test deposits will be deposited into your account in order to confirm functionality. The deposits will be from “Checkfree Webpay Acct Confm.”

  • I have fingerprint or face sign-in enabled. Why isn't my biometric option working?
    + -

    Some Android devices have both fingerprint and face sign-in options and require users to enable both for biometric sign-in to work. If your device offers both options, please close the RBFCU Mobile app, make sure both are set up properly in your device's “Settings,” open the RBFCU Mobile app and try enabling biometric sign-in again.

  • I set up my electronic bill pay request before the bill date, but my bill was still late. Why did this happen?
    + -

    If the company or person you want to pay does not accept electronic payments, electronic bill pay will print a check and mail it for you. This process typically takes three to five business days.

    If a payment is late, we recommend calling the biller’s customer service department and asking to have the late fee or finance charge waived.

  • I synced my contacts to the RBFCU Mobile app and I want to remove them. How can I remove my contacts?
    + -

    Go to your phone settings > Privacy > Contacts and turn off the contacts for the RBFCU Mobile app.

  • I tried the new RBFCU Mobile app, but went back to the old one. Has it improved?
    + -

    The new RBFCU Mobile app was introduced to members in early 2020, and since then, we’ve made weekly updates that fix issues that you’ve reported, add features that you’ve said you missed, improve performance and enhance the overall member experience.

    If you experience issues with the new RBFCU Mobile app, please email mobileapp@rbfcu.org for assistance. You can also check our Mobile App Troubleshooting page for answers to common questions.

  • If I use biometrics (fingerprint or face) to sign in to the RBFCU Mobile app, will I have to enter my password?
    + -

    No. If you’ve enabled “Remember Me” to use biometrics to sign in to the RBFCU Mobile app, you do not need to enter your password each time you sign in.

  • 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.

  • Is there a charge for electronic bill pay?
    + -

    No, it is a free service.

  • Is there a limit to the number of bills I can pay with Bill Pay?
    + -

    No. You may pay as many bills as you want.

  • Is there a maximum amount I can transfer to other RBFCU account holders?
    + -

    There is no limit on the amount you can transfer to other RBFCU account holders, as long as you stay within your available balance.

  • 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).

  • The time on my computer and the time on my 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 'Favorites' and how do I set one up?
    + -

    If you regularly transfer money to another RBFCU account, you can designate that account as one of your Favorites by giving it a “Nickname” and saving it for later. Favorites appear in the “To” drop-down under “Make/Schedule Transfer” for easy selection next time you make a transfer.

    To set up a Favorite, sign in to your Online Banking account on rbfcu.org, select “Move Money,” then “Transfer Money.” Select the “Add to Favorites List” option on the right side of the page. Add the “Account number” and “Nickname,” and click “Submit.”

    To set up a Favorite on the RBFCU Mobile app, sign in and tap “Move Money,” then “Transfer/Send Money.” Choose “Send Money to Someone Else,” tap “Account,” then “Add Other Account” and enter the account details. Check the “Add to Favorites” box to save it.

  • What are the minimum system requirements necessary to use Mobile Deposit?
    + -

    The minimum supported environments include:

    • Microsoft Edge (latest two versions)
    • Firefox (latest two versions)
    • Chrome (latest two versions) 
    • Safari (latest two versions)
    • High Speed Internet Connection
  • What fees are charged to use Mobile Deposit services?
    + -

    Members can enjoy the convenience of Mobile Deposit without incurring a fee from the credit union.

  • What happens if I exceed six transfers from my Money Market account per month?
    + -

    Convenience transfers — those made via your Online Banking account or over the phone — from a Money Market account are limited to six per month. After the sixth transfer, you may make additional transfers in person at a local branch.

  • What if I accidentally transfer funds to the wrong account?
    + -

    Please contact a Member Service Representative through chat or secure message in your Online Banking account, or call 210-945-3300.

  • What is a lock screen?
    + -

    A lock screen is a passcode, finger-swipe pattern, face or fingerprint used to access your phone when the screen goes into a dark or locked state.

  • What is 'Quick Balance' and how do I enable it on the RBFCU Mobile app?
    + -

    Quick Balance is a feature that allows you to see limited information about your account — like your account's nickname and current balance — at a glance on the RBFCU Mobile app sign-in page, without signing in to the app.

    However, you must sign in to the RBFCU Mobile app at least once to activate Quick Balance.

    To enable the Quick Balance option in the RBFCU Mobile app:

    1. Open the RBFCU Mobile app and, before you sign in, look for “Quick Balance” at the bottom of the sign-in screen.
    2. Tap “Quick Balance” to bring up the feature. Tap the “Settings” (gear) icon on the right to open the Settings on your phone.
    3. In the RBFCU Mobile app settings, turn the toggle switch next to “Quick Balance” to the “on” position.

    You can also enable the Quick Balance option by going directly to your phone’s Settings, and updating the settings for the RBFCU Mobile app.

    Please note: Anyone who uses your mobile device will be able to see your account balances when Quick Balance is enabled.

  • 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 Banking 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 a Mobile Deposit into?
    + -

    You can complete a Mobile Deposit to any checking or savings account.

  • What's happening to the old RBFCU Mobile app?
    + -

    Starting Tuesday, Nov. 9, 2021, you will no longer be able to use the old version of the RBFCU Mobile app.

    This means you will need to download the new RBFCU Mobile app to continue banking with RBFCU from an app. Your information always remains secure with the new RBFCU Mobile app, and with the old version until it is discontinued.

    RBFCU is no longer making updates to the old mobile app. As operating system upgrades are released for your smartphone, the old app’s functionality may be impacted and will not be supported.

  • When will my deposit be credited to my account?
    + -

    Mobile Deposits submitted between 7 a.m. and 7 p.m. Monday through Friday, and from 8:30 a.m. until 4:15 p.m. on Saturday (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 in your Online Banking account as “Submitted Deposit” and you will not see the deposit reflected in your account until credit union personnel have an opportunity to review and release the deposit. The manual review process should happen the same business day, or the next business day at the latest.

  • When will my transfer occur if the date falls on a Sunday or a non-business day?
    + -

    All transfers will occur on the day for which they are scheduled, even on weekends or holidays. Automated Clearing House (ACH) transactions will only occur on weekdays (Monday through Friday), except for holidays.

  • Where is my 'Favorites' list?
    + -

    When using Move Money to “Transfer/Send Money” to someone else in the RBFCU Mobile app, choose the “Account” option. Your Favorites will be listed in the “To” drop-down for easy access when setting up a transfer.

    To view and manage your Favorites from your computer, sign in to your Online Banking account, select “Transfer Money” from the Move Money menu, and click “Manage Favorites List” on the right side of the page.

  • Where is the widget for the RBFCU Mobile app? How do I install it?
    + -

    The widget for the RBFCU Mobile app for both Android and Apple devices is still in development and will be included in a future release.

  • Who is eligible for Mobile Deposit? How do I know if I am eligible?
    + -

    To check if you are eligible for Mobile Deposit, sign in to your Online Banking account. On the “Account Summary” page, click on the “I Want To...” drop-down menu (three vertical dots to the right of your account's name). Members who meet the requirements will see “Mobile Deposit” listed.

    Members can also see if they qualify by going to their “My Profile” icon in the top right corner of the page. There, members will select the “Member Services” link. Under the “Mobile Deposit” section, members will see if they are eligible to make deposits online.

  • Why am I getting a warning message saying my device does not have a lock screen?
    + -

    A lock screen is a passcode, finger-swipe pattern, face or fingerprint used to access your phone when the screen goes into a dark or locked state.

    App developers have to comply with increasing security standards required by mobile device operating systems. To meet these new requirements and because the RBFCU Mobile app allows access to your financial information, we require members to use a lock screen in conjunction with the app’s built-in security features in order to keep your data as secure as possible.

    If your device doesn’t have a lock screen enabled, you’ll receive an error message when trying to use certain features in the RBFCU Mobile app. To enable a lock screen on your device:

    1. Open “Settings” on your device, and set a passcode, finger-swipe pattern, face or fingerprint that will be used to access your device when it’s locked.
    2. Restart your device.
    3. When your device restarts, you’ll be prompted to enter your new authentication to unlock it.
    4. Open the RBFCU Mobile app.
    5. Click on “Profile Settings.” If you’re able to access this screen, you’re all set!

    If you need further assistance enabling a lock screen on your device, click here for Apple instructions and click here for Android instructions.

    Where to set up a lock screen on an Apple device:
    Where to set up a lock screen on an Apple device

    Where to set up a lock screen on an Android device:
    Where to set up a lock screen on an Android device

  • Why did a transfer automatically go into account xxxx?
    + -

    Default accounts are picked based on the member’s most used account. If you’d like to change your default account, sign in to your Online Banking account or the RBFCU Mobile app, select the “My Profile” icon in the top right corner of the screen and select “Update” under “Account Settings.” 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 using Move Money’s “Send Money to Myself” option to move the funds to the correct account.

  • Why do I need to enable a lock screen on my phone or tablet to access the RBFCU Mobile app?
    + -

    App developers have to comply with increasing security standards required by mobile device operating systems. To meet these new requirements and because the RBFCU Mobile app allows access to your financial information, we now require members to use a lock screen in conjunction with the app’s built-in security features in order to keep your data as secure as possible.

  • Why was I signed out of the RBFCU Mobile app?
    + -

    To ensure your account remains secure, you will be automatically signed out of the RBFCU Mobile app after 10 minutes of inactivity. To resume access to your account, simply sign in to the app again.

  • Will the joint account owner be able to access the Bill Pay profile?
    + -

    The Bill Pay profile is only linked to the primary account owner. A joint owner will not be able to access the Bill Pay profile through their own sign-in credentials. However, they may set up a separate Bill Pay profile if they need to control certain bills.

 

MOBILE PAYMENT SERVICES

  • Am I able to opt out of Samsung Pay at any time?
    + -

    Adding your RBFCU debit or credit card to Samsung Pay is your choice; you can add and remove cards, as needed.

  • Am I able to opt-out of Apple Pay at any time?
    + -

    Adding your credit or debit cards to Apple Pay is your choice. You can add and remove cards as needed.

  • Are my payments safe with Apple Pay?
    + -

    When you use Apple Pay, your RBFCU card number isn’t stored on your phone or given to the merchant. A unique digital code is created specifically for that device and used as an identifier for your payment, rather than using your card information. You still enjoy all the benefits of your RBFCU credit or debit card, which includes our zero liability policy that protects you from unauthorized purchases.

  • Are my payments safe with Samsung Pay?
    + -

    Samsung Pay incorporates several layers of security. When you add your RBFCU debit or credit card to Samsung Pay, or use it to make a purchase, actual card numbers and other sensitive data are not stored on your device or on Samsung servers, or shared with the merchant. Instead, purchases are authorized using an encrypted security code and the member’s fingerprint.

  • Can I use Samsung Pay at the ATM to withdraw money?
    + -

    No. Samsung Pay cannot be used at the ATM or at any payment terminal that requires you to insert your card into the reader (e.g. gas stations, vending machines, etc.).

  • Can I use Samsung Pay for in-app and online purchases?
    + -

    Yes. Samsung Pay can be used in-app and online. Simply select Samsung Pay at checkout and authenticate the purchase with your fingerprint.

  • Do I earn cash back with mobile payment services?
    + -

    Yes, making payments using mobile payment services like Apple Pay or Samsung Pay will earn the same cash back and rewards that a CashBack Rewards Mastercard credit card transaction would normally earn.

  • Does my actual card need to be activated, before I attempt to add it to my Apple Pay Wallet?
    + -

    Yes. Only cards that have been activated will be successfully added to Apple Pay.

  • Does my card need to be activated before I attempt to add it to Samsung Pay?
    + -

    Yes. Only cards that have been activated will be successfully added to Samsung Pay.

  • How do I add my credit or debit card to Apple Pay?
    + -

    You can start using Apple Pay as soon as you add a credit or debit card to the Wallet app on iPhone.

    To add a card, go into Settings > Wallet & Apple Pay, and select “Add Credit or Debit Card.” You can also open Wallet and select “Add Credit or Debit Card.” Follow the prompts to add your card.

    This card will be your default payment card, but you can go to Wallet anytime and add, then select, a different card. For more information, please visit the Apple support website.

  • How do I add my debit or credit card to Samsung Pay?
    + -

    To add your RBFCU debit or credit card, select “Apps” from the Home screen, select “Samsung Pay,” and select “Add Card.” From there, use your camera to enter the card information or type it in manually. This card will be your default payment card, but you can add as many as 10 cards to use in the app.

  • How do I change my default card to my RBFCU debit or credit card?
    + -

    The credit or debit card associated with your Apple ID account or the first card you add to Wallet is your default card. To change your default card:

    1. Go to Settings > Wallet & Apple Pay.
    2. Tap Default Card.
    3. Choose a new card.
  • How do I get started with Apple Pay?
    + -

    You’ll need an RBFCU debit or credit card and an Apple Pay-enabled device that meets the following criteria:

    • An enabled device, such as iPhone 6 or iPhone 6 Plus or later, to pay in stores and within apps; iPad Air 2 or iPad Mini 3 or later to pay within apps; Apple Watch paired with iPhone 5 or later
    • iOS 8.1 or later
    • Touch ID or passcode on your device
    • iCloud account

    For instructions on how to set up and use Apple Pay on your iPhone or iPad, please visit https://support.apple.com/en-us/HT201239

  • How do I get started with Samsung Pay?
    + -

    You’ll need an RBFCU debit or credit card and a compatible Samsung Galaxy device that meets the following criteria:

    • An enabled device, such as Samsung Galaxy S6, S6 edge, S6 edge+ or Note5
    • A Samsung account
    • Registered fingerprint or Pay PIN
    • Be located in the United States, when adding your RBFCU debit or credit card to Samsung Pay

    For instructions on how to set up and use Samsung Pay, please visit: http://www.samsung.com/us/samsung-pay/

  • How do I use Samsung Pay?
    + -

    With Samsung Pay, there are two ways to use your device to pay:

    • Tap your device at newer contactless payment terminals.
    • Swipe your device at traditional magnetic stripe terminals by placing the back of your device next to the payment terminal’s card reader or the same location you would normally swipe your card.
  • If I receive a reissued card, with a different expiration date, do I need to update my card information with Apple Pay?
    + -

    You have two options: You can remove the previous card from your device, then add your new reissued card to Apple Pay. You may also speak with an RBFCU Payment Services Representative, who can manually update your device account number with the new reissued card information.

  • If I receive a reissued card, with a different expiration date, do I need to update my card information with Samsung Pay?
    + -

    You have two options: You can remove the previous card from your device, and then add your new reissued card to Samsung Pay. You may also speak with an RBFCU Payment Services Representative, who can manually update your device account number with the new reissued card information.

  • What do I do if a merchant asks for the last four digits of my card when using Apple Pay?
    + -

    A digital device account number will be generated by Apple Pay, which is a different number than the number on your RBFCU credit or debit card. Give the merchant the last four digits of the “Device Account Number.” This can be found when you highlight the card, then touch the circled info button (the circled “i” found in the bottom right corner), and then scroll down to the “Device Account Number.” If you provide the last 4 digits of the actual card number, your transaction will be declined.

  • What is Apple Pay?
    + -

    Apple Pay is a payment technology that allows you to pay for your purchases with your compatible iPhone by holding your phone near an Apple Pay-enabled reader. You can also use your iPad Air and iPad Mini to pay within certain apps.

  • What is Samsung Pay?
    + -

    Samsung Pay is a mobile payment technology that allows you to pay for your purchases with a Samsung Galaxy S8+, Galaxy S8, Galaxy S7 edge, Galaxy S7, Galaxy S6 edge+, Galaxy Note5, Galaxy S6edge, Galaxy S6 active, Galaxy S6, and Gear S3.

  • Where can I get more information on Apple Pay?
    + -

    More information is available at https://www.apple.com/apple-pay/

  • Where can I get more information on Samsung Pay?
    + -

    More information is available at http://www.samsung.com/us/samsung-pay/

  • Which merchants accept Samsung Pay?
    + -

    Typically, Samsung Pay is accepted anywhere you can tap or swipe your device.

  • Which merchants are participating in Apple Pay?
    + -

    Apple Pay is accepted in grocery stores, boutiques, restaurants, hotels and so many places you already enjoy. For a complete list of participating retailers, visit https://www.apple.com/apple-pay/where-to-use-apple-pay/

 

SELECT GROUP (SG) MEMBERSHIP

  • Can I qualify my business for membership to open an account?
    + -

    Yes, you can qualify your business for membership based on your location, or based on where you (the legal owner), live, worship or attend school. If you are interested in allowing your business and employees to take advantage of credit union membership, you can contact our Business Development team and request the benefits of credit union membership for your entire organization by becoming a Select Group.

  • Do I have to be a Select Group (SG) to get a business loan?
    + -

    No, RBFCU has more than 3,500 ways to qualify you for membership. To get more information on becoming an RBFCU Select Group, call our Business Development Office at 210-945-3300 , ext. 53827 or email us at membership@rbfcu.org.

  • How can I share the benefits of membership with my employees?
    + -

    As a Select Group (SG), your employees are eligible for free RBFCU membership. We can provide membership packets to your employees and do on-site credit union membership education sessions — free of charge. RBFCU can have a Business Development representative coordinate membership materials and information sessions for you. To schedule your on-site RBFCU SG membership sessions, call our Business Development Department at 210-945-3300 , ext. 53827 or email membership@rbfcu.org today.

  • How long does it take to qualify as a Select Group (SG)?
    + -

    Qualifying your business for membership is an easy process. You can become a Select Group (SG) within five to seven business days. To get more information on becoming an RBFCU SG, call our Business Development Office at 210-945-3300 , ext. 53827 or email us at membership@rbfcu.org.

  • I'm interested in giving my employees every advantage in managing their finances. Does RBFCU offer any kind of financial literacy classes?
    + -

    RBFCU wants to ensure the financial success of all its members and we offer several different financial literacy classes — most free and a few at a nominal cost — to those we serve. Call our Business Development Department at 210-945-3300, ext. 53827 or email us at financialeducation@rbfcu.org for more information. Click here to request a financial education presentation.

  • What is a Select Group (SG) number? How do I find my SG number?
    + -

    When your business is approved as an RBFCU Select Group (SG), you are given a number that identifies you in our records. If you forgot your business’ SG number, call our Business Development Department at 210-945-3300 , ext. 53827 or email us membership@rbfcu.org.

  • Why should I qualify my business for credit union membership?
    + -

    As an RBFCU Select Group (SG), your employees can take advantage of credit union products and services to include on-site presentations and free financial seminars. Qualifying your business for RBFCU membership is a very easy. To learn how to become an RBFCU SG, contact our Business Development Office at 210-945-3300 , ext. 53827 or email us at membership@rbfcu.org.

 

BUSINESS SERVICES

  • Are there any contracts or cancellation fees for payroll services?
    + -

    No, our payroll services are on a month-to-month basis and there are no cancellation fees. Please call us or contact us for more information.

  • Are there any contracts or cancellation fees on merchant services?
    + -

    No, our merchant processing is on a month-to-month basis and cancellation fees are not assessed.

  • As a business owner, am I required to purchase workers’ compensation insurance coverage?
    + -

    No, there is no requirement to purchase this coverage if you are a Texas business, but it can be a valuable part of your protection package.

  • Can I get commercial insurance for my business with RBFCU?
    + -

    Yes, our affiliate, RBFCU Insurance Agency LLC offers multiple business insurance products. For more information visit our commercial insurance page.

  • Do I need commercial auto insurance?
    + -

    If a vehicle is used in tasks related to your business, a commercial policy may be necessary.

  • Does RBFCU offer business payroll services?
    + -

    Yes, RBFCU works with Newtek, a merchant services provider, to offer business payroll services. Learn more about payroll services here.

  • Does RBFCU offer merchant processing for businesses to receive debit and credit card payments?
    + -

    Yes, RBFCU works with Newtek, a merchant services provider, to offer merchant processing. Read more about merchant processing here.

  • What are the fees associated with merchant processing?
    + -

    Each method has different costs. Please contact our Business Services Team at BusinessServices@rbfcu.org for more information.

  • What are the fees associated with payroll services?
    + -

    The cost of payroll services depends on your number of employees and additional services your business needs. Learn more about payroll services here.

  • What methods to process credit and debit cards does RBFCU offer?
    + -

    We offer retail terminals, mobile terminals, mobile phone attachments, online shopping/ecommerce, and POS system integration. Read more about merchant processing here.

  • Who needs a business owner's policy (BOP)?
    + -

    All small businesses such as retail stores, restaurants, and independent contractors typically need a BOP to safeguard against unexpected financial losses beyond general liability claims. BOP protects your small business.

 

PAYROLL PROCESSING

  • Are there any contracts or cancellation fees for payroll services?
    + -

    No, our payroll services are on a month-to-month basis and there are no cancellation fees. Please call us or contact us for more information.

  • Does RBFCU offer business payroll services?
    + -

    Yes, RBFCU works with Newtek, a merchant services provider, to offer business payroll services. Learn more about payroll services here.

  • What are the fees associated with payroll services?
    + -

    The cost of payroll services depends on your number of employees and additional services your business needs. Learn more about payroll services here.

 

MERCHANT SERVICES

Ask RBFCU