Loans Frequently Asked Questions

RBFCU loans are reviewed in-house at both our Austin and San Antonio headquarters.

RBFCU does not finance salvaged or reconditioned vehicles.

You must make your first auto payment on its original due date. After that payment has been made, call our Collections Team at 210-945-3300.

To view and make payments on your RBFCU loan:

1. Sign in to your Online Banking account.
2. Under the “View Accounts” tab, review the 10-day and 15-day payoff amounts.
3. Click on the three vertical dots next to the desired loan under the “Loans” section.
4. From the “I Want To…” menu, select “Make Payment.”
5. On the “Transfer Funds” screen, complete the required information.
6. Click “Next.”
7. Review the information for accuracy.
8. Click “Submit.”

If you finance with RBFCU at the dealership, you won't be required to provide the pre-approval loan code from your letter. However, you will still be able to take advantage of the pre-approval rate.

To secure a loan with RBFCU, membership is required. If you would like to complete your loan application right away, then complete the membership application later, you may access our non-member loan application.

RBFCU does not always require a down payment for auto loans. Whether you need to make a down payment will depend on your unique situation, including loan amount, loan term and credit history.

RBFCU does not charge application fees, but we do collect the taxes required by each state.

Yes. Roadside Assistance is included with platinum and gold Mechanical Repair Coverage. For more information about Mechanical Repair Coverage and the Roadside Assistance benefit, click here.

There are no additional fees to complete your RBFCU loan application through the dealership. It's simply an additional convenience that we've worked with our Preferred Dealers to provide our members. We also give you the same low rate if you apply at the dealer as you would receive for completing an online loan application.

To report a possible loan servicing error, call us at 210-945-3300, press option 3 and follow the menu options to reach the Consumer Lending Center or sign in to your Online Banking account to chat with a Member Service Representative.

There are several ways you can sign up for automatic payments from an RBFCU account or from another institution. The easiest is to let your Consumer Lending Specialist know while finalizing your loan transaction.

You can also enable automatic payments from your RBFCU account by setting up a recurring transfer with Move Money. To set up a recurring transfer to one of your RBFCU loans:

1. Sign in to your Online Banking account or the RBFCU Mobile app
2. Navigate to the loan for which you’d like to create a recurring transfer
3. Select “Make a Payment” option for your loan
4. Complete the transfer details, and select “Schedule for Future”
5. You’ll be given options to choose a transfer “Frequency,” “Start Date” and “End Date” to set up a recurring transfer

For assistance setting up automatic payments for your loan, contact us at 210-945-3300 or start a chat in your Online Banking account.

For consumer loans, you can check your loan status by signing in to your Online Banking account or the RBFCU Mobile app. You can also call our Consumer Lending Center at 210-945-3300, then press option 3 twice, start a chat with a Member Service Representative in your Online Banking account, or visit your nearest branch.

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

Your Consumer Lending Specialist will let you know when your loan is ready to be finalized and what final steps are required. Depending on the type of loan, you may be able to complete all finalization with an electronic signature or at the dealership for auto loans.

Documents requiring your signature can be sent to you by mail, email, DocuSign (a method of electronically obtaining your signature) or fax.

You can provide proof of auto insurance or other documents needed to finalize your loan in the following ways:

• Sign in to your Online Banking account or the RBFCU Mobile app to securely upload documents for your loan application through the Loan Status page
• Start a chat in your Online Banking account or the RBFCU Mobile app to communicate with a Consumer Lending representative
• Call 210-945-3300 to speak to a Consumer Lending representative, who can send you a secured link through which you can upload your documents

Please do not send sensitive information including documents, account numbers, Social Security numbers, etc., through unsecured email or fax.

For instructions on processing your title and lien for your vehicle when purchasing from a dealer, via lease buyout, a private seller or refinancing from another financial institution, please follow our Title and Lien Recording Instructions.

For self-employed individuals, RBFCU will require your complete tax returns for the past two years. Also, we will need to know if any IRS extensions were requested and granted. In most cases, only “net” income will be considered when self-employed.

All consumer loan and credit card applications submitted to RBFCU are reviewed within one business day. 

A decision will be made on your loan application and you will be notified typically within one business day. RBFCU members can also check their loan’s status by signing in to their Online Banking account or the RBFCU Mobile app.

A Consumer Lending Specialist will contact you within one business day of your application. You can also check your loan status by signing in to your Online Banking account or the RBFCU Mobile app.

Documents requiring your signature can be sent to you by mail, email, DocuSign (a method of electronically obtaining your signature) or fax. We will notify you if any documents must be mailed back to us with original signatures.

“Next Steps” are tasks to complete (uploading paystubs, proof of insurance, notarized documents, etc.) to ensure we have all the documents and information needed to process your loan. They will be removed from your Loan Status page as you complete them.

In many cases, you can start a chat in your Online Banking account or the RBFCU Mobile app to upload the required documents or information.

If original paperwork or documents are requested, you may bring them to a branch or communicate with your Consumer Lending Specialist regarding specifics.

Paper titles will be mailed within 10 business days to the address on file, and delivery time is based upon U.S. Postal Service timelines depending on the address. For an electronic lien title (also known as ELT), the lien will be released from the state’s records to the address on file, this may take between 3-4 weeks. If applicable, the Texas Department of Motor Vehicles (DMV) will produce your paper title and mail it to your address on file with the DMV. For Texas titles, if your loan was finalized on or after Oct. 21, 2016, your title is an ELT. If your loan was finalized prior to Oct. 21, 2016, your title is paper. For out-of-state titles, call or message us for more details.

RBFCU offers auto financing in all 50 states as well as in Puerto Rico, Guam and overseas.

The vehicle must be built to U.S. specifications, and comply with the Federal Motor Vehicle Safety Standards (FMVSS) set by the National Highway Traffic Safety Administration (NHTSA).

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.

Sites such as the National Automobile Dealers Association (NADA) and Kelley Blue Book can help you get an estimate on your vehicle’s value.

RBFCU offers vehicle loans for automobiles/trucks, boats, ATVs, jet skis, motorcycles and recreational vehicles. We offer financing, refinancing from other institutions, net-to-clear and other options.

If you apply for an RBFCU loan at the dealership versus online or in a branch, you’re still receiving the same great rates. The biggest difference is that dealerships are unable to add RBFCU GAP Plus, Mechanical Repair Coverage, or Credit Insurance to your loan. If you are interested in RBFCU Loan Protection Products, please apply directly with RBFCU. Contact us for more information.

Qualified borrowers may choose a first payment date up to 60 days from the date the auto loan is finalized. You can specify your preferred date to your Consumer Lending Specialist (e.g., the first of the month, etc.) before signing your loan documents.

Yes, full coverage insurance is required on all vehicles, including boats. To request a quote from RBFCU Insurance Agency, please complete this online request form.

Yes, full coverage insurance is required on all vehicles, including motorcycles, boats and RVs. Learn more about our affordable vehicle coverage options.

Yes, full coverage insurance is required on all vehicles, including motorcycles. Fortunately, you can request a quote from RBFCU Insurance Agency.

Yes, full coverage insurance is required on all vehicles, including RVs. With the help of RBFCU Insurance Agency, you can request a quote in minutes.

RBFCU loans are reviewed in-house at both our Austin and San Antonio headquarters.

Yes, we do offer pre-approvals for many different types of consumer loans, which can make your vehicle shopping experience easier. You can complete the loan application online.

RBFCU does not charge application fees, but we do collect the taxes required by each state.

For consumer loans, you can check your loan status by signing in to your Online Banking account or the RBFCU Mobile app. You can also call our Consumer Lending Center at 210-945-3300, then press option 3 twice, start a chat with a Member Service Representative in your Online Banking account, or visit your nearest branch.

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

For instructions on processing your title and lien for your vehicle (boat, motorcycle, RV, ATV, UTV, Jet Ski, etc.) when purchasing from a dealer, via lease buyout, a private seller or refinancing from another financial institution, please follow our Title and Lien Recording Instructions.

Documents requiring your signature can be sent to you by mail, email, DocuSign (a method of electronically obtaining your signature) or fax. We will notify you if any documents must be mailed back to us with original signatures.

Paper titles will be mailed within 10 business days to the address on file, and delivery time is based upon U.S. Postal Service timelines depending on the address. For an electronic lien title (also known as ELT), the lien will be released from the state’s records to the address on file, this may take between 3-4 weeks. If applicable, the Texas Department of Motor Vehicles (DMV) will produce your paper title and mail it to your address on file with the DMV. For Texas titles, if your loan was finalized on or after Oct. 21, 2016, your title is an ELT. If your loan was finalized prior to Oct. 21, 2016, your title is paper. For out-of-state titles, call or message us for more details.

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.

We do not have specific loan limits, but take into consideration many other factors regarding your financial standing, loan-to-value, and the vehicle itself.

A specialized collateral loan is a loan for large farm equipment and some trailers.

RBFCU offers vehicle loans for automobiles/trucks, boats, ATVs, jet skis, motorcycles and recreational vehicles. We offer financing, refinancing from other institutions, net-to-clear and other options.

RBFCU loans are reviewed in-house at both our Austin and San Antonio headquarters.

Depending on your circumstances, you may have the option to extend your loan term, which can lower your monthly payments. When you complete your refinancing application, include the loan term you desire.

Refinancing can be a great option on all vehicle loan types, including motorcycles, RVs and watercraft. You can complete the refinancing application online.

RBFCU does not charge application fees, but we do collect the taxes required by each state.

For consumer loans, you can check your loan status by signing in to your Online Banking account or the RBFCU Mobile app. You can also call our Consumer Lending Center at 210-945-3300, then press option 3 twice, start a chat with a Member Service Representative in your Online Banking account, or visit your nearest branch.

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

For instructions on processing your title and lien for your vehicle when purchasing from a dealer, via lease buyout, a private seller or refinancing from another financial institution, please follow our Title and Lien Recording Instructions.

Documents requiring your signature can be sent to you by mail, email, DocuSign (a method of electronically obtaining your signature) or fax. We will notify you if any documents must be mailed back to us with original signatures.

In most cases you will need to purchase new GAP when refinancing as GAP covers the loan and when you refinance you will now have a new loan. Please check with your current GAP carrier to verify this information.

Paper titles will be mailed within 10 business days to the address on file, and delivery time is based upon U.S. Postal Service timelines depending on the address. For an electronic lien title (also known as ELT), the lien will be released from the state’s records to the address on file, this may take between 3-4 weeks. If applicable, the Texas Department of Motor Vehicles (DMV) will produce your paper title and mail it to your address on file with the DMV. For Texas titles, if your loan was finalized on or after Oct. 21, 2016, your title is an ELT. If your loan was finalized prior to Oct. 21, 2016, your title is paper. For out-of-state titles, call or message us for more details.

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.

Refinancing a vehicle loan makes sense when it helps to lower a monthly payment and/or an annual percentage rate. It can also allow you to add warranty, Guaranteed Asset Protection (GAP) coverage and/or Credit Insurance to your loan or to access net funds from the value of your vehicle.

You can also refinance your vehicle to add or remove a joint account owner.

You may call us at 1-888-556-2965, ext. 53302 to obtain more details about a vehicle available for sale.

No, RBFCU does not offer special loan rates on repossessed vehicles. We do, however, offer competitive low-rate auto loans, which are subject to credit approval, and rates are subject to change.

Purchasing a repossessed vehicle may save you money and give you more car than you expected. These vehicles are priced below retail value, may include manufacturer upgrades, and are mechanically inspected and approved.

If you have any questions about an RBFCU repossessed vehicle or are wanting to schedule a test drive, call the RBFCU Collections Remarketing Analyst at 1-888-556-2965, ext. 53302. We are open 8:30 a.m. to 5 p.m. Monday through Friday. However, there is a voicemail service at that telephone number, please feel free to leave a message and your call will be returned as soon as possible.

If you finance with RBFCU at the dealership, you won't be required to provide the pre-approval loan code from your letter. However, you will still be able to take advantage of the pre-approval rate.

There are no additional fees to complete your RBFCU loan application through the dealership. It's simply an additional convenience that we've worked with our Preferred Dealers to provide our members. We also give you the same low rate if you apply at the dealer as you would receive for completing an online loan application.

Documents requiring your signature can be sent to you by mail, email, DocuSign (a method of electronically obtaining your signature) or fax.

During the finance stage of your transaction, most dealerships will ask if you have a preferred lender (i.e., credit union, bank or finance company) for your loan. Tell them you want to finance with RBFCU.

We work directly with dealerships through our Preferred Dealers program to handle your application at the point of sale and make the car-buying process convenient for you. To review our Preferred Dealers, visit rbfcu.cudlautosmart.com/Dealer.

If you apply for an RBFCU loan at the dealership versus online or in a branch, you’re still receiving the same great rates. The biggest difference is that dealerships are unable to add RBFCU GAP Plus, Mechanical Repair Coverage, or Credit Insurance to your loan. If you are interested in RBFCU Loan Protection Products, please apply directly with RBFCU. Contact us for more information.

If you finance with RBFCU at the dealership, you won't be required to provide the pre-approval loan code from your letter. However, you will still be able to take advantage of the pre-approval rate.

There are no additional fees to complete your RBFCU loan application through the dealership. It's simply an additional convenience that we've worked with our Preferred Dealers to provide our members. We also give you the same low rate if you apply at the dealer as you would receive for completing an online loan application.

Documents requiring your signature can be sent to you by mail, email, DocuSign (a method of electronically obtaining your signature) or fax.

You may be liable for the unauthorized use of your Premier Rate, World Cash Back or Business Select credit card. If your card is lost or stolen, or you believe someone used your card or Account without your permission, you must call our designee immediately at:

• World Cash Back cardholders: 1-888-999-4355
• Premier Rate and Business Select cardholders: 1-888-999-4336

You may also write to our designee at:

Customer Service
P.O. Box 2087
Omaha, NE 68103-2087

Although you may write to notify our designee of unauthorized use, calling our designee immediately at the telephone number above is the best way to protect your account.

Under Mastercard’s Zero Liability policy, Premier Rate and World Cash Back cardholders will not be liable for unauthorized use of your card once you notify our designee orally or in writing of the loss, theft, or possible unauthorized use and you meet the following conditions: (i) you have exercised reasonable care in safeguarding your Mastercard from risk of loss, or theft; and (ii) you have, upon becoming aware of the loss or theft, promptly reported the loss or theft to our designee.

You will not be liable for any unauthorized use that occurs after you notify our designee. However, you may be liable for unauthorized use that occurs before your notice to our designee. In any case, your liability for unauthorized use will not exceed $50. The foregoing liability limitations do not apply to (i) Card use from which any Cardholder receives a benefit; or (ii) use of the Card by a person with actual, implied or apparent authority.

Yes, contactless payments are secure. Contactless payments put you in control and protects your data. Your card or device never leaves your hand, reducing the risk of loss or counterfeit, and each purchase is uniquely encrypted so your actual card number is never used.

RBFCU loans are reviewed in-house at both our Austin and San Antonio headquarters.

ATM withdrawals, Balance Transfers, Cash Advances, finance charges, fees and any other non-purchase transactions do not qualify toward reward accrual.

Yes. Contact us at 210-945-3300 ext. 74571 and speak with a Payment Services Representative.

At some terminals you can bypass the PIN. PIN bypass is an optional function that may be supported at the terminal. PIN bypass is operated by the merchant and should only be used as an exception. Unattended terminals, like gas pumps, may not support PIN bypass.

PIN bypass is not currently supported for Contactless transactions.

Yes. You can specify if you’d like your authorized user(s) to have their own card.

Yes. You have access to cash through your card’s credit line by requesting a Cash Advance or Balance Transfer.

You can make contactless payments on any contactless payment reader that displays this symbol. 

Yes, our Mastercard credit cards are compatible with PayPal, Apple Pay^®, Samsung Pay, FitbitPay™ and Garmin FitPay™. Click here for more information on mobile payments. You can also enroll in Mastercard Click to Pay which offers online, password-free checkout. You can learn more about Mastercard Click to Pay here.

Yes, we do not immediately close the previous credit card. We allow enough time for you to activate your new card and update any automatic bill payments with your new card information.

Note: Your previous card number will be invalid after approximately 2 weeks.

To view your Mastercard transactions:

1. Sign in to your Online Banking account or the RBFCU Mobile app.
2. Select your credit card on the Account Summary page.
3. View your transactions on the Credit Card Activity page.
   • If you need to dispute a transaction, select “View More” to open the credit card servicing website. Recent transactions will display at the bottom of the page. Select “ALL TRANSACTIONS” to see a full history of pending and recent transactions, including those on previous statements.

No, Cash Advances or Balance Transfers do not qualify for cash-back rewards.

RBFCU credit cards are no longer PIN-preferred, but some merchants may still prompt cardholder purchases to enter a PIN. A PIN is required for use at ATMs.

Your RBFCU Mastercard credit card does not require a PIN to activate. The security features of the card are enhanced without setting a PIN.

However, a PIN will be needed if:

• A merchant/retailer prompts you to enter a PIN to complete a purchase
• You use your credit card at an ATM

If you wish to create or change a PIN for your credit card, you can do so by signing in to your Online Banking account or the RBFCU Mobile app, or by phone.

To select a PIN using Manage Cards in the RBFCU Mobile app:

1. Sign in to the app
2. Tap “Manage Cards” in the bottom navigation
3. Select the credit card for which you’d like to select a PIN
4. Choose “Select PIN”
5. Enter and confirm your new PIN
6. Select “Submit”

To select a PIN using Manage Cards in your Online Banking account:

1. Sign in at rbfcu.org 
2. Select “Manage Cards” from the menu
3. Select the credit card for which you’d like to select a PIN
4. Choose “Select PIN”
5. Enter and confirm your new PIN
6. Select “Submit”

To select a PIN by phone, use the applicable number listed below and when prompted say, “Select PIN.”

• World Cash Back Card: 1-888-999-4355
• Premier Rate and Business Select Card: 1-888-999-4336

RBFCU does not charge application fees, but we do collect the taxes required by each state.

Yes. If the credit card is a rewards credit card, purchases made by an authorized user earn the same rewards which are credited to the primary cardholder’s account.

World Cash Back and Business Select Mastercard credit cards: Earn unlimited cash-back rewards equivalent to 2% of the amount of each qualified purchase completed. ATM withdrawals, Balance Transfers, Cash Advances, finance charges, fees and any other non-purchase transactions do not qualify for rewards.

We calculate the interest charges on your account by applying the periodic rate to the “average daily balance” of your account. All the daily balances for the billing cycle are then added together and the total is divided by the number of days in the billing cycle. This gives us the “average daily balance.”

(Important: To get the “average daily balance,” we take the beginning balance of your account each day and add any new purchases, Cash Advances and fees. Then, we subtract any payments or credits and exclude any unpaid interest charges. This total is the daily balance).

Please call our Member Service Center at 210-945-3300 in order to provide the necessary information to qualify an authorized user. All non-business Mastercard account authorized users must be members of the credit union.

To enroll in electronic statements for your credit card:

1. Sign in to your Online Banking account or the RBFCU Mobile app.
2. Select your credit card on the Account Summary page.
3. Select “View More” on the Credit Card Activity page to open the credit card servicing website.
4. Select “Statements.”
5. Select the toggle next to “Paperless statements" to switch it to “On.”
6. Verify your email address, and follow the prompts to complete enrollment.

Please note: You will only be enrolled in electronic statements for your credit card. This will not apply to your other RBFCU accounts.

To report a possible loan servicing error, call us at 210-945-3300, press option 3 and follow the menu options to reach the Consumer Lending Center or sign in to your Online Banking account to chat with a Member Service Representative.

You request a Balance Transfer through “Manage Cards” in your Online Banking account, the RBFCU Mobile app or by calling 210-945-3300.

Click here to learn more about Cash Advances and Balance Transfers.

• ATM — Requests can be completed at RBFCU and non-RBFCU ATMs however additional transaction fees may apply at non-RBFCU ATMs.
• Online Banking — Sign in to your Online Banking account to request a Cash Advance through Move Money. Requests can also be completed in the RBFCU Mobile app. Funds are deposited immediately into your checking or savings account.
• In-person at any branch.

Click here to learn more about Cash Advances and Balance Transfers.

To increase your credit card limit, you will need to submit a new credit application. You can complete the application through your Online Banking account. Just click on the three vertical dots next to the credit card you wish to increase and select “Change Limit / Rate.”

Typically, when you tap your card/device at checkout, it must be within an inch or two of the contactless symbol on the terminal at the counter. Please note that if you have more than one contactless card in your wallet, you should remove the specific card you would like to use rather than tapping your wallet against the reader.

Watch this video to learn how to activate and manage your cards using the Manage Cards feature in your Online Banking account:

For new World Cash Back cardholders, you can activate your card by calling 1-888-999-4355.

For new Premier Rate and Business Select cardholders, you can activate your card by calling 1-888-999-4336.

After you activate your card, you can manage your account through Manage Cards in your Online Banking account or the RBFCU Mobile app. You can:

• View transactions
• Enroll in paperless statements
• Set up automatic payments
• Request Balance Transfers
• Cash Advances
• Report a lost or stolen card
• Dispute transactions

Click here to learn more about managing your card online.

Please call us at 210-945-3300, ext. 74571 and speak with a Payment Services Representative.

Please call our Member Service Center at 210-945-3300 and provide the following information:

• Last four digits of primary cardholder’s SSN or TIN
• Current RBFCU credit card account number
• Full name of authorized user (must be RBFCU member)
• Valid SSN or TIN for authorized user
• Date of birth of authorized user

*RBFCU Payment Services reviews the information and determines approval, usually within 24 hours. In some cases, additional information may be required in order to make a final decision. You can check the status of your request anytime by calling 210-945-3300, ext. 74571.

Once approved, the authorized user will receive their card (if applicable) within five days. Upon receipt, the user can activate their card by following the activation instructions included with the new card.

If you wish to create or change a PIN for your credit card, you can do so by signing in to your Online Banking account or the RBFCU Mobile app, or by phone.

To select a PIN using Manage Cards in the RBFCU Mobile app:

1. Sign in to the app
2. Tap “Manage Cards” in the bottom navigation
3. Select the credit card for which you’d like to select a PIN
4. Choose “Select PIN”
5. Enter and confirm your new PIN
6. Select “Submit”

To select a PIN using Manage Cards in your Online Banking account:

1. Sign in at rbfcu.org 
2. Select “Manage Cards” from the menu
3. Select the credit card for which you’d like to select a PIN
4. Choose “Select PIN”
5. Enter and confirm your new PIN
6. Select “Submit”

To select a PIN by phone, use the applicable number listed below and when prompted say, “Select PIN.”

• World Cash Back Card: 1-888-999-4355
• Premier Rate and Business Select Card: 1-888-999-4336

For consumer loans, you can check your loan status by signing in to your Online Banking account or the RBFCU Mobile app. You can also call our Consumer Lending Center at 210-945-3300, then press option 3 twice, start a chat with a Member Service Representative in your Online Banking account, or visit your nearest branch.

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

You may dispute and/or report fraud on a transaction through your Online Banking account, RBFCU Mobile app or by calling 210-945-3300.

Transaction routing is complex and can vary from merchant to merchant based on the Terminal setup and the Financial Institution Chip Profile setup.

RBFCU has the ability to select the profile preferences established on the Chip embedded in the card, while the merchant has the ability to select the profile preferences on the Terminal. The Chip and Terminal will work together to identify the first preference option that matches between the two, which ultimately determines how the transaction will process and whether or not a PIN will be requested.

Click here to view the Notice to Co-Signer Form.

Click here to view the Savings Secured Mastercard Form.

1. Sign in to Online Banking
2. Select your cash-back credit card
3. Select “Cash Back Rewards” on the Credit Card Activity page to visit uChoose Rewards
4. Choose “Statement Credit” under “Redeem Your Cash”
5. Type in the desired statement credit amount (minimum $5, cannot exceed your cash-back balance)
6. Select “Redeem”

1. Sign in to Online Banking
2. Select your cash-back credit card
3. Select “Cash Back Rewards” on the Credit Card Activity page to visit uChoose Rewards
4. Choose “Merchandise” under “Redeem Your Cash”
5. Select the desired item(s) from available options and “Add to Cart”
6. Click “Proceed to Checkout” to complete order

Please note you must have enough cash-back rewards to pay 50% of the total cost of the reward purchase. You will be presented with an alternative payment method to pay the remainder of the purchase once you have satisfied the 50% reward minimum.

1. Sign in to Online Banking
2. Select your cash-back credit card
3. Select “Cash Back Rewards” on the Credit Card Activity page to visit uChoose Rewards
4. Choose “Merchandise” under “Redeem Your Cash”
5. Search and select the desired travel request
6. Click “Proceed to Checkout” to complete order

Please note you must have enough cash-back rewards to pay 50% of the total cost of the reward purchase. You will be presented with an alternative payment method to pay the remainder of the purchase once you have satisfied the 50% reward minimum.

1. Sign in to Online Banking
2. Select your cash-back credit card
3. Select “Cash Back Rewards” on the Credit Card Activity page to visit uChoose Rewards
4. Choose “Pay with Points” under “Redeem Your Cash”
5. Select “PayPal Pay with Rewards”
6. Link your RBFCU cash-back credit card
7. After your card is linked, you can use your card to check out with PayPal, and use your available rewards on purchases

1. Sign in to Online Banking
2. Select your cash-back credit card
3. Select “Cash Back Rewards” on the Credit Card Activity page to visit uChoose Rewards
4. Choose “Gift Cards” under “Redeem Your Cash”
5. Select your desired gift card from the catalog of available merchants
6. Select the gift card amount (minimum $5, cannot exceed your cash-back balance)
7. Add to Card and complete purchase

World Cash Back and Business Select cardholders: You can access your cash-back rewards balance through your Online Banking account or the RBFCU Mobile^® app. You may redeem and receive your accrued cash anytime via:

• Statement credit
• Pay with points
• Gift cards
• Travel-related purchases
• Merchandise

The minimum cash reward redemption amount for a statement credit is $5, and the maximum redemption amount is $2,500 per card, per day. Any unredeemed cash-back rewards will continue to accumulate.

Rewards access subject to account status and other criteria at the time of redemption.

To register for uChoose Rewards^® for your World Cash Back or Business Select Mastercard^® credit card, follow these instructions:

Online Banking

1. Sign into your Online Banking account
2. Navigate to “Credit Cards”
3. Select your World Cash Back or Business Select credit card
4. Select “View Transactions”
5. Under Statements, select uChoose Rewards or select the top left menu (☰) and find/select “Rewards”
6. Click to continue to the uChoose Rewards URL

RBFCU Mobile^® app

1. Sign into the mobile app with your banking credentials
2. Navigate to “Credit Cards”
3. Select your World Cash Back or Business Select credit card
4. Select “View More”
5. Under Statements, select uChoose Rewards or tap the top left menu (☰) and find/select “Rewards”
6. Tap to continue to the uChoose Rewards URL

Please call Payment Services at 210-945-3300, ext. 74571 to request removal. The authorized user may also request their removal by contacting Payment Services. When an authorized user is revoked, all credit cards associated with the account are blocked to prevent unauthorized usage. New cards with a new number will automatically be issued to the primary cardholder and any other authorized users who have cards.

You can set up automatic payments to your RBFCU Mastercard from an RBFCU account or your account at another financial institution through “Make a Payment” in Move Money in Online Banking or the RBFCU Mobile app.

To set up a payment in the app:

1. Sign in to the RBFCU Mobile app.
2. Tap “Move Money” in the bottom menu.
3. Select “Make a Payment.”
4. For the “From” account, select the RBFCU account you want to use for the payment.
   1. If you want to use an external account, select “Add Other Account,” then “External Account.”
   2. Enter your external account details and select “Add External Account.”
   3. You’ll be asked to validate your account through Plaid while initiating the recurring payment.
5. For the “To” account, select your RBFCU Mastercard credit card.
6. Enter the amount, and tap “Schedule for Future” to select a frequency, start date and end date.
7. Select “Schedule” to complete the recurring payment.

Watch this video to learn how to “Make a Payment” using the RBFCU Mobile app:

Sign in to your Online Banking account to make a payment on your RBFCU Mastercard credit card. To set up a recurring payment, choose “Schedule for Future” and then choose a payment frequency.

To set up online payments for your RBFCU Mastercard credit card in the RBFCU Mobile app:

1. Sign in to the RBFCU Mobile app.
2. Tap on the “Move Money” in the bottom menu.
3. Select “Make a Payment.”
4. Enter your payment details and follow the prompts to complete your payment. To set up a recurring payment, choose “Schedule for Future” and then choose a payment frequency.

To use Manage Cards in the RBFCU Mobile app, tap “Manage Cards” in the bottom navigation. Select the credit or debit card you’d like to manage, and you’ll be given the options to:

• Activate a new card
• Select your card’s PIN
• View details for your card, like your full account number, expiration date and security code
• Freeze your card from making transactions if it is misplaced
• Report your card lost or stolen, which will issue a new card/number
• Request a replacement card
• Set spend controls and Alerts for your card
• Add your card to your Apple Wallet

Watch this video to learn how to activate and manage your cards using the Manage Cards feature in your Online Banking account:

A joint user shares financial responsibility with the primary cardholder.

Contactless uses a hidden, embedded computer chip and radio frequency antennae. After you tap your contactless card or device at checkout, payment details are sent wirelessly to the Mastercard network. If using a mobile phone, moments after you tap, you’ll receive payment confirmation.

The chip communicates with the terminal to determine whether the card is authentic.

Your actual Annual Percentage Rate (APR) is be based on your creditworthiness and other factors and is provided to you in writing if your application is approved. The APR for variable-rate cards is based on the U.S. Prime Rate (“Prime Rate”), and the APR equals the Prime Rate plus an additional amount. If the Prime Rate increases, it causes the APR to increase. If the Prime Rate decreases, it causes the APR to decrease. The APR is subject to change quarterly. We use the Prime Rate as published in The Wall Street Journal seven days prior to the end of the quarter. If the Prime Rate causes an APR to change, we put the new APR into effect as of the first day of the next billing period after the start of the January, April, July or October billing cycle for which we calculate the APR. We apply the new APR to any existing balances, subject to any promotional rate that may apply. If The Wall Street Journal does not publish the Prime Rate, we use a similarly published rate.

To determine whether you qualify for a lower rate, you may submit an application on an annual basis. Contact our Consumer Lending Department at 1-800-580-3300 for more details.

All consumer loan and credit card applications submitted to RBFCU are reviewed within one business day. 

Up to three individuals; the total cardholders, including the primary, can’t exceed four.

A Consumer Lending Specialist will contact you within one business day of your application. You can also check your loan status by signing in to your Online Banking account or the RBFCU Mobile app.

Purchases made with contactless will be displayed on your Mastercard statement just like any other purchase.

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 call us at 210-945-3800.

“Next Steps” are tasks to complete (uploading paystubs, proof of insurance, notarized documents, etc.) to ensure we have all the documents and information needed to process your loan. They will be removed from your Loan Status page as you complete them.

In many cases, you can start a chat in your Online Banking account or the RBFCU Mobile app to upload the required documents or information.

If original paperwork or documents are requested, you may bring them to a branch or communicate with your Consumer Lending Specialist regarding specifics.

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. Visit “Manage Cards,” after signing in to your Online Banking account.
  2. Select your card.
  3. Choose “Report a Lost or Stolen Card” and follow the prompts.
• RBFCU Mobile app:
  1. Sign in to your Online Banking account.
  2. Tap “Manage Cards” in the bottom menu.
  3. Select your card.
  4. Choose “Report Lost or Stolen” and follow the prompts.

You can also “Freeze” your card to ensure no transactions are made while you search for the card, or “Replace” your card. If your card is connected to any mobile payment services, be sure to remove the card as a payment option.

Promotional rate balances remain at 2.9% APR for twelve months for Balance Transfers and Cash Advances made during the first 90 days from the date of account opening. Beginning with the thirteenth month, any remaining balance is repriced at your qualified APR based on your creditworthiness and other factors.

Click here to learn more about Cash Advances and Balance Transfers.

Yes. If the auto pay is set up through our Mastercard account program, the automatic transfer information will systematically transfer to your new credit card number.

No, it will be necessary to re-establish your automatic payment with your new credit card number.

Contactless cards are among the safest forms of payment today. Each contactless card transaction is encrypted using a one-time cryptographic code, making it difficult for hackers to obtain card details.

Yes. Contactless payments provide you security features, including:

• Enhanced encryption technology — your card account number is tokenized
• You’re in control — your contactless-enabled card or device never leaves your hands to make a payment
• No accidental payments — your contactless-enabled card or device must be close to the reader at checkout to work
• Not billed twice — even if you tap more than once at checkout, you’ll only get billed once for your purchase
• RBFCU personal credit cards offer Zero Liability Protection for unauthorized purchases

No. RBFCU doesn’t charge a fee.

Yes, the daily Cash Advance ATM transaction limit is $500.

There’s no limit to the amount of rewards you can earn from qualified purchase transactions.

• Make purchases, request Cash Advances and Balance Transfers 
• Report lost or stolen cards
• Initiate billing disputes
• Submit payments
• Inquire about fees
• Remove themselves as an authorized user

• Close the account
• Add an authorized user
• Change primary cardholder personal information
• Request credit limit increase or lower Annual Percentage Rate (APR)

Contactless payments, also referred to as Tap & Go^® or Tap to Pay, wirelessly transmit your encrypted credit card information to a contactless-enabled point of sale machine. RBFCU Mastercard credit cards are now contactless enabled so your card never leaves your hand. No wallet? No problem. Add your RBFCU card to your mobile wallet and pay with your phone or compatible smart watch. Use anywhere you see the Contactless symbol at checkout for a faster, safer and more convenient way to pay.

• Assist family members with expenses
• Conveniently manage everyday purchases
• Help a family member or other trusted person build their credit history
• Peace of mind in case of emergencies

The embedded microchip provides robust security features and other capabilities that are not possible with traditional magnetic stripe cards.

Tokenization reduces fraud related to digital payments by making transactions more secure by including a dynamic component with each transaction. It takes the security of a physical EMV chip and applies it to non-card environments including proximity, mobile and internet payments.

Merchants benefit from more secure transactions as well as faster checkout experiences, new payment acceptance options and more ways to sell.

In the event that your card is lost or stolen, we’ll transfer your cash-back rewards balance to your new card account. If the card closes for other reasons, you may forfeit any accrued cash-back rewards or points.

We reserve the right to disqualify transactions that aren’t usual or customary and are structured or intended to abuse the program. Abuse of the program may result in forfeiture of accrued rewards and loss of card privileges. We may add to, change or delete any of the terms of this program or discontinue this program at any time at our sole and absolute discretion.

If there is a fraudulent charge on your account, you may contact the Mastercard Fraud Department, available 24 hours a day, at 1-888-999-4355 to begin a fraud case.

Mastercard^® contactless allows you to pay instantly — with built-in security. Contactless options to pay with your RBFCU Mastercard include: Tap & Go^® and Mobile Wallet.

We do not charge a default rate. However, you will be charged a late fee of up to $29 for a past due payment.

A non-variable credit card has an Annual Percentage Rate (APR) that does not change. With a variable-rate credit card, the interest rate is directly correlated to an underlying interest rate index, moving up or down along with it.

Traditionally PIN was a feature used for debit card transactions. A PIN debit transaction would be authorized and deducted from the member’s checking account immediately, while a signature based transaction would be authorized and then settled within the next few days. A PIN was typically only used for credit card transactions at the ATM or abroad.

When chip card functionality became available in the market, debit and credit cards required a profile to be set up on the chip which allowed for financial institutions to establish either a PIN preferring or Signature preferring profile to be established for both debit and credit cards.

In the past, PIN has been considered more secure because the cardholder is able to authenticate the transaction by using the PIN. If the cardholder does not know the PIN, the transaction would be declined unless the terminal offers PIN bypass. With capabilities like PIN bypass and fraudster’s ability to obtain and/or change a cardholder’s PIN, the security of the transaction could be considered the same as a signature transaction.

You will be charged a late fee of up to $29 if you don’t make your minimum payment within 15 days following your payment due date.

The minimum payment is equal to 2% of the new balance or $25, whichever is greater.

Tokenization is the process of replacing a card’s primary account number (PAN) — the 16-digit number on the plastic card — with a unique alternate card number, or “token.” Tokens can be used for mobile point-of-sale transactions, in-app purchases or online purchases.

Go to “Manage Cards” in your Online Banking account or the RBFCU Mobile app to report your card lost or stolen, and/or place a temporary freeze on the card.

To report a card lost or stolen in the app:

1. Sign in to the RBFCU Mobile app.
2. Tap “Manage Cards” in the bottom menu.
3. Select your card.
4. Choose “Report Lost or Stolen” and follow the prompts.

You can also “Freeze” your card to ensure no transactions are made while you search for the card, or “Replace” your card. If your card is connected to any mobile payment services, be sure to remove the card as a payment option.

To report a lost or stolen credit card over the phone, call our card servicing partner 24 hours a day, seven days a week.

• World Cash Back cardholders: 1-888-999-4355
• Premier Rate and Business Select cardholders: 1-888-999-4336

We will close your account and issue you a new account number and card(s).

If you have set up automatic payments directly with other merchants, you will need to contact them with your new card number and expiration date.

One of the most common terminals you will be prompted for a PIN is at the gas pump or Automated Fuel Dispenser (AFD). These terminals are considered unattended terminals and typically do not support signature, defaulting the transaction to PIN.

RBFCU does not have visibility into the merchant terminal setup and cannot clearly define which terminals will prompt for a PIN.

A chip card is like a traditional magnetic stripe card, but it has an embedded microchip which encrypts your information, making it extremely difficult for the card to be copied or counterfeited.

Rather than swiping your chip card, you insert the chip end into the terminal to complete the transaction. Chip cards may also be enabled with contactless payment technology which are designated with a contactless payment icon.

All chip cards include a standard magnetic stripe on the back to use when chip-enabled terminals are unavailable.

A Cash Advance applies funds to your available balance immediately and gives you cash or allows you to deposit funds into your checking or savings account. A Balance Transfer is used to pay down another credit card's balance and add it to your RBFCU Mastercard balance (Balance Transfers are not eligible to pay towards another RBFCU account). A Balance Transfer Fee of up to 2% of the amount of each Balance Transfer will be assessed. A Cash Advance Fee of up to 2% of the amount of each Cash Advance will be assessed. The use of a Cash Advance to transfer a balance will result in a Cash Advance Fee.

Click here to learn more about Cash Advances and Balance Transfers.

All payments will be credited to your account promptly, in most cases within 24-48 hours of receipt. If made after 4 p.m. Central Time, the payment may take an additional 24 hours to post.

New cardholders will begin earning 2% unlimited cash-back rewards on purchases once the World Cash Back Mastercard is activated.

Your new card should be reissued 45 days before your current card expires. However, you will not receive a renewal card if your Mastercard account is inactive for 12 months, your account is delinquent, or your account is over the limit.

Your new card should arrive in 3-5 business days.

The RBFCU World Cash Back and Business Select Mastercard credit cards. Both cards offer 2% cash-back rewards on qualified purchases. Please refer to the respective credit card Agreement Billing Rights & Credit Card Disclosures for full rewards program details.

An authorized user is granted access to another individual’s credit card account. The user has the same charging privileges as the primary cardholder but isn’t financially responsible.

An individual must have an RBFCU primary savings account in good standing, be at least 15 years old and have a valid Social Security Number (SSN) or Tax Identification Number (TIN).

An authorized user doesn’t need to qualify for a loan or credit card, nor is their credit pulled prior to being added as an authorized user.

Although RBFCU is Signature Preferring, some merchants do not allow Signature and will require a PIN or other authentication to complete the transaction.

There are many benefits to contactless payments:

• You’re in control because your contactless-enabled card or device never leaves your hand at checkout.
• It’s fast and ideal at places where speed is essential, like stadiums, fast food restaurants, gas stations and more.
• Contactless payments provide secure encryption technology.

An authorized user is granted access to another individual’s credit card account. The user has the same charging privileges as the primary cardholder but isn’t financially responsible.

A joint user shares financial responsibility with the primary cardholder.

• Assist family members with expenses
• Conveniently manage everyday purchases
• Help a family member or other trusted person build their credit history
• Peace of mind in case of emergencies

• Make purchases, request Cash Advances and Balance Transfers 
• Report lost or stolen cards
• Initiate billing disputes
• Submit payments
• Inquire about fees
• Remove themselves as an authorized user

• Close the account
• Add an authorized user
• Change primary cardholder personal information
• Request credit limit increase or lower Annual Percentage Rate (APR)

An individual must have an RBFCU primary savings account in good standing, be at least 15 years old and have a valid Social Security Number (SSN) or Tax Identification Number (TIN).

An authorized user doesn’t need to qualify for a loan or credit card, nor is their credit pulled prior to being added as an authorized user.

Up to three individuals; the total cardholders, including the primary, can’t exceed four.

Yes. You can specify if you’d like your authorized user(s) to have their own card.

Yes. If the credit card is a rewards credit card, purchases made by an authorized user earn the same rewards which are credited to the primary cardholder’s account.

Please call our Member Service Center at 210-945-3300 and provide the following information:

• Last four digits of primary cardholder’s SSN or TIN
• Current RBFCU credit card account number
• Full name of authorized user (must be RBFCU member)
• Valid SSN or TIN for authorized user
• Date of birth of authorized user

*RBFCU Payment Services reviews the information and determines approval, usually within 24 hours. In some cases, additional information may be required in order to make a final decision. You can check the status of your request anytime by calling 210-945-3300, ext. 74571.

Once approved, the authorized user will receive their card (if applicable) within five days. Upon receipt, the user can activate their card by following the activation instructions included with the new card.

Please call Payment Services at 210-945-3300, ext. 74571 to request removal. The authorized user may also request their removal by contacting Payment Services. When an authorized user is revoked, all credit cards associated with the account are blocked to prevent unauthorized usage. New cards with a new number will automatically be issued to the primary cardholder and any other authorized users who have cards.

ATM withdrawals, Balance Transfers, Cash Advances, finance charges, fees and any other non-purchase transactions do not qualify toward reward accrual.

World Cash Back and Business Select Mastercard credit cards: Earn unlimited cash-back rewards equivalent to 2% of the amount of each qualified purchase completed. ATM withdrawals, Balance Transfers, Cash Advances, finance charges, fees and any other non-purchase transactions do not qualify for rewards.

1. Sign in to Online Banking
2. Select your cash-back credit card
3. Select “Cash Back Rewards” on the Credit Card Activity page to visit uChoose Rewards
4. Choose “Statement Credit” under “Redeem Your Cash”
5. Type in the desired statement credit amount (minimum $5, cannot exceed your cash-back balance)
6. Select “Redeem”

1. Sign in to Online Banking
2. Select your cash-back credit card
3. Select “Cash Back Rewards” on the Credit Card Activity page to visit uChoose Rewards
4. Choose “Merchandise” under “Redeem Your Cash”
5. Select the desired item(s) from available options and “Add to Cart”
6. Click “Proceed to Checkout” to complete order

Please note you must have enough cash-back rewards to pay 50% of the total cost of the reward purchase. You will be presented with an alternative payment method to pay the remainder of the purchase once you have satisfied the 50% reward minimum.

1. Sign in to Online Banking
2. Select your cash-back credit card
3. Select “Cash Back Rewards” on the Credit Card Activity page to visit uChoose Rewards
4. Choose “Merchandise” under “Redeem Your Cash”
5. Search and select the desired travel request
6. Click “Proceed to Checkout” to complete order

Please note you must have enough cash-back rewards to pay 50% of the total cost of the reward purchase. You will be presented with an alternative payment method to pay the remainder of the purchase once you have satisfied the 50% reward minimum.

1. Sign in to Online Banking
2. Select your cash-back credit card
3. Select “Cash Back Rewards” on the Credit Card Activity page to visit uChoose Rewards
4. Choose “Pay with Points” under “Redeem Your Cash”
5. Select “PayPal Pay with Rewards”
6. Link your RBFCU cash-back credit card
7. After your card is linked, you can use your card to check out with PayPal, and use your available rewards on purchases

1. Sign in to Online Banking
2. Select your cash-back credit card
3. Select “Cash Back Rewards” on the Credit Card Activity page to visit uChoose Rewards
4. Choose “Gift Cards” under “Redeem Your Cash”
5. Select your desired gift card from the catalog of available merchants
6. Select the gift card amount (minimum $5, cannot exceed your cash-back balance)
7. Add to Card and complete purchase

World Cash Back and Business Select cardholders: You can access your cash-back rewards balance through your Online Banking account or the RBFCU Mobile^® app. You may redeem and receive your accrued cash anytime via:

• Statement credit
• Pay with points
• Gift cards
• Travel-related purchases
• Merchandise

The minimum cash reward redemption amount for a statement credit is $5, and the maximum redemption amount is $2,500 per card, per day. Any unredeemed cash-back rewards will continue to accumulate.

Rewards access subject to account status and other criteria at the time of redemption.

To register for uChoose Rewards^® for your World Cash Back or Business Select Mastercard^® credit card, follow these instructions:

Online Banking

1. Sign into your Online Banking account
2. Navigate to “Credit Cards”
3. Select your World Cash Back or Business Select credit card
4. Select “View Transactions”
5. Under Statements, select uChoose Rewards or select the top left menu (☰) and find/select “Rewards”
6. Click to continue to the uChoose Rewards URL

RBFCU Mobile^® app

1. Sign into the mobile app with your banking credentials
2. Navigate to “Credit Cards”
3. Select your World Cash Back or Business Select credit card
4. Select “View More”
5. Under Statements, select uChoose Rewards or tap the top left menu (☰) and find/select “Rewards”
6. Tap to continue to the uChoose Rewards URL

There’s no limit to the amount of rewards you can earn from qualified purchase transactions.

In the event that your card is lost or stolen, we’ll transfer your cash-back rewards balance to your new card account. If the card closes for other reasons, you may forfeit any accrued cash-back rewards or points.

We reserve the right to disqualify transactions that aren’t usual or customary and are structured or intended to abuse the program. Abuse of the program may result in forfeiture of accrued rewards and loss of card privileges. We may add to, change or delete any of the terms of this program or discontinue this program at any time at our sole and absolute discretion.

New cardholders will begin earning 2% unlimited cash-back rewards on purchases once the World Cash Back Mastercard is activated.

The RBFCU World Cash Back and Business Select Mastercard credit cards. Both cards offer 2% cash-back rewards on qualified purchases. Please refer to the respective credit card Agreement Billing Rights & Credit Card Disclosures for full rewards program details.

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. Visit “Manage Cards,” after signing in to your Online Banking account.
  2. Select your card.
  3. Choose “Report a Lost or Stolen Card” and follow the prompts.
• RBFCU Mobile app:
  1. Sign in to your Online Banking account.
  2. Tap “Manage Cards” in the bottom menu.
  3. Select your card.
  4. Choose “Report Lost or Stolen” and follow the prompts.

You can also “Freeze” your card to ensure no transactions are made while you search for the card, or “Replace” your card. If your card is connected to any mobile payment services, be sure to remove the card as a payment option.

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: Sign in to your Online Banking account to report your card lost or stolen in Manage Cards.
• RBFCU Mobile app:
  1. Sign in to the RBFCU Mobile app.
  2. Tap “Manage Cards.”
  3. Select your card.
  4. Select the appropriate option (e.g., “Report Lost or Stolen,” “Freeze” or “Replace”).
  5. Verify the information for accuracy, and click “Submit.”
  6. If your card is connected to a mobile wallet like Samsung Pay or Apple Pay, remove the card from the devices.

Yes, contactless payments are secure. Contactless payments put you in control and protects your data. Your card or device never leaves your hand, reducing the risk of loss or counterfeit, and each purchase is uniquely encrypted so your actual card number is never used.

At some terminals you can bypass the PIN. PIN bypass is an optional function that may be supported at the terminal. PIN bypass is operated by the merchant and should only be used as an exception. Unattended terminals, like gas pumps, may not support PIN bypass.

PIN bypass is not currently supported for Contactless transactions.

You can make contactless payments on any contactless payment reader that displays this symbol. 

Your RBFCU Mastercard credit card does not require a PIN to activate. The security features of the card are enhanced without setting a PIN.

However, a PIN will be needed if:

• A merchant/retailer prompts you to enter a PIN to complete a purchase
• You use your credit card at an ATM

If you wish to create or change a PIN for your credit card, you can do so by signing in to your Online Banking account or the RBFCU Mobile app, or by phone.

To select a PIN using Manage Cards in the RBFCU Mobile app:

1. Sign in to the app
2. Tap “Manage Cards” in the bottom navigation
3. Select the credit card for which you’d like to select a PIN
4. Choose “Select PIN”
5. Enter and confirm your new PIN
6. Select “Submit”

To select a PIN using Manage Cards in your Online Banking account:

1. Sign in at rbfcu.org 
2. Select “Manage Cards” from the menu
3. Select the credit card for which you’d like to select a PIN
4. Choose “Select PIN”
5. Enter and confirm your new PIN
6. Select “Submit”

To select a PIN by phone, use the applicable number listed below and when prompted say, “Select PIN.”

• World Cash Back Card: 1-888-999-4355
• Premier Rate and Business Select Card: 1-888-999-4336

Typically, when you tap your card/device at checkout, it must be within an inch or two of the contactless symbol on the terminal at the counter. Please note that if you have more than one contactless card in your wallet, you should remove the specific card you would like to use rather than tapping your wallet against the reader.

Transaction routing is complex and can vary from merchant to merchant based on the Terminal setup and the Financial Institution Chip Profile setup.

RBFCU has the ability to select the profile preferences established on the Chip embedded in the card, while the merchant has the ability to select the profile preferences on the Terminal. The Chip and Terminal will work together to identify the first preference option that matches between the two, which ultimately determines how the transaction will process and whether or not a PIN will be requested.

Contactless uses a hidden, embedded computer chip and radio frequency antennae. After you tap your contactless card or device at checkout, payment details are sent wirelessly to the Mastercard network. If using a mobile phone, moments after you tap, you’ll receive payment confirmation.

The chip communicates with the terminal to determine whether the card is authentic.

Purchases made with contactless will be displayed on your Mastercard statement just like any other purchase.

Contactless cards are among the safest forms of payment today. Each contactless card transaction is encrypted using a one-time cryptographic code, making it difficult for hackers to obtain card details.

Yes. Contactless payments provide you security features, including:

• Enhanced encryption technology — your card account number is tokenized
• You’re in control — your contactless-enabled card or device never leaves your hands to make a payment
• No accidental payments — your contactless-enabled card or device must be close to the reader at checkout to work
• Not billed twice — even if you tap more than once at checkout, you’ll only get billed once for your purchase
• RBFCU personal credit cards offer Zero Liability Protection for unauthorized purchases

Contactless payments, also referred to as Tap & Go^® or Tap to Pay, wirelessly transmit your encrypted credit card information to a contactless-enabled point of sale machine. RBFCU Mastercard credit cards are now contactless enabled so your card never leaves your hand. No wallet? No problem. Add your RBFCU card to your mobile wallet and pay with your phone or compatible smart watch. Use anywhere you see the Contactless symbol at checkout for a faster, safer and more convenient way to pay.

The embedded microchip provides robust security features and other capabilities that are not possible with traditional magnetic stripe cards.

Tokenization reduces fraud related to digital payments by making transactions more secure by including a dynamic component with each transaction. It takes the security of a physical EMV chip and applies it to non-card environments including proximity, mobile and internet payments.

Merchants benefit from more secure transactions as well as faster checkout experiences, new payment acceptance options and more ways to sell.

Mastercard^® contactless allows you to pay instantly — with built-in security. Contactless options to pay with your RBFCU Mastercard include: Tap & Go^® and Mobile Wallet.

Traditionally PIN was a feature used for debit card transactions. A PIN debit transaction would be authorized and deducted from the member’s checking account immediately, while a signature based transaction would be authorized and then settled within the next few days. A PIN was typically only used for credit card transactions at the ATM or abroad.

When chip card functionality became available in the market, debit and credit cards required a profile to be set up on the chip which allowed for financial institutions to establish either a PIN preferring or Signature preferring profile to be established for both debit and credit cards.

In the past, PIN has been considered more secure because the cardholder is able to authenticate the transaction by using the PIN. If the cardholder does not know the PIN, the transaction would be declined unless the terminal offers PIN bypass. With capabilities like PIN bypass and fraudster’s ability to obtain and/or change a cardholder’s PIN, the security of the transaction could be considered the same as a signature transaction.

Tokenization is the process of replacing a card’s primary account number (PAN) — the 16-digit number on the plastic card — with a unique alternate card number, or “token.” Tokens can be used for mobile point-of-sale transactions, in-app purchases or online purchases.

One of the most common terminals you will be prompted for a PIN is at the gas pump or Automated Fuel Dispenser (AFD). These terminals are considered unattended terminals and typically do not support signature, defaulting the transaction to PIN.

RBFCU does not have visibility into the merchant terminal setup and cannot clearly define which terminals will prompt for a PIN.

A chip card is like a traditional magnetic stripe card, but it has an embedded microchip which encrypts your information, making it extremely difficult for the card to be copied or counterfeited.

Rather than swiping your chip card, you insert the chip end into the terminal to complete the transaction. Chip cards may also be enabled with contactless payment technology which are designated with a contactless payment icon.

All chip cards include a standard magnetic stripe on the back to use when chip-enabled terminals are unavailable.

Although RBFCU is Signature Preferring, some merchants do not allow Signature and will require a PIN or other authentication to complete the transaction.

RBFCU loans are reviewed in-house at both our Austin and San Antonio headquarters.

To change your payment due date, the loan must be current and we require permission from all loan parties agreeing to the change. Line of Credit payments can only be billed on the 4th, 15th or 21st of the month and the payments are due 25 days after they are billed. To request a change, start a chat with us in your Online Banking account or call our Collections Team at 210-945-3300.

RBFCU does not offer payday loans. We do offer personal loans and line of credit loans as potential financing options.

To view and make payments on your RBFCU loan:

1. Sign in to your Online Banking account.
2. Under the “View Accounts” tab, review the 10-day and 15-day payoff amounts.
3. Click on the three vertical dots next to the desired loan under the “Loans” section.
4. From the “I Want To…” menu, select “Make Payment.”
5. On the “Transfer Funds” screen, complete the required information.
6. Click “Next.”
7. Review the information for accuracy.
8. Click “Submit.”

RBFCU does not charge application fees, but we do collect the taxes required by each state.

To report a possible loan servicing error, call us at 210-945-3300, press option 3 and follow the menu options to reach the Consumer Lending Center or sign in to your Online Banking account to chat with a Member Service Representative.

For consumer loans, you can check your loan status by signing in to your Online Banking account or the RBFCU Mobile app. You can also call our Consumer Lending Center at 210-945-3300, then press option 3 twice, start a chat with a Member Service Representative in your Online Banking account, or visit your nearest branch.

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

Your Consumer Lending Specialist will let you know when your loan is ready to be finalized and what final steps are required. Depending on the type of loan, you may be able to complete all finalization with an electronic signature or at the dealership for auto loans.

Documents requiring your signature can be sent to you by mail, email, DocuSign (a method of electronically obtaining your signature) or fax.

For self-employed individuals, RBFCU will require your complete tax returns for the past two years. Also, we will need to know if any IRS extensions were requested and granted. In most cases, only “net” income will be considered when self-employed.

Personal loans are available with terms ranging up to 60 months. To apply for a personal loan, sign in to your Online Banking account. If you are not a member, you can apply online, then complete the membership application.

All consumer loan and credit card applications submitted to RBFCU are reviewed within one business day. 

A Consumer Lending Specialist will contact you within one business day of your application. You can also check your loan status by signing in to your Online Banking account or the RBFCU Mobile app.

Documents requiring your signature can be sent to you by mail, email, DocuSign (a method of electronically obtaining your signature) or fax. We will notify you if any documents must be mailed back to us with original signatures.

“Next Steps” are tasks to complete (uploading paystubs, proof of insurance, notarized documents, etc.) to ensure we have all the documents and information needed to process your loan. They will be removed from your Loan Status page as you complete them.

In many cases, you can start a chat in your Online Banking account or the RBFCU Mobile app to upload the required documents or information.

If original paperwork or documents are requested, you may bring them to a branch or communicate with your Consumer Lending Specialist regarding specifics.

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.

When you apply for a personal loan, we take your overall situation into consideration, including your income and any debts/obligations you may have. If you have a specific need for a certain amount, be sure to note it in the comments on your personal loan application. 

To change your payment due date, the loan must be current and we require permission from all loan parties agreeing to the change. Line of Credit payments can only be billed on the 4th, 15th or 21st of the month and the payments are due 25 days after they are billed. To request a change, start a chat with us in your Online Banking account or call our Collections Team at 210-945-3300.

RBFCU does not offer payday loans. We do offer personal loans and line of credit loans as potential financing options.

RBFCU does not charge application fees, but we do collect the taxes required by each state.

You can add a line of credit as overdraft protection when you open a new checking account. If you want to add it to an already established checking account, contact our Member Service Center at 210-945-3300 or sign in to your Online Banking account to chat with a representative.

For more information, read “What You Need to Know About Overdrafts and Overdraft Fees.”

If you already have a checking account with RBFCU, chat with a Member Service Representative in your Online Banking account and let us know which checking account you would like to protect with your line of credit.

If you do not have a checking account, you can open one online. During the online opening process, you will have the option to attach your line of credit to your checking account and use it as overdraft protection.

For more information, read “What You Need to Know About Overdrafts and Overdraft Fees.”

For consumer loans, you can check your loan status by signing in to your Online Banking account or the RBFCU Mobile app. You can also call our Consumer Lending Center at 210-945-3300, then press option 3 twice, start a chat with a Member Service Representative in your Online Banking account, or visit your nearest branch.

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

All consumer loan and credit card applications submitted to RBFCU are reviewed within one business day. 

A Consumer Lending Specialist will contact you within one business day of your application. You can also check your loan status by signing in to your Online Banking account or the RBFCU Mobile app.

Documents requiring your signature can be sent to you by mail, email, DocuSign (a method of electronically obtaining your signature) or fax. We will notify you if any documents must be mailed back to us with original signatures.

“Next Steps” are tasks to complete (uploading paystubs, proof of insurance, notarized documents, etc.) to ensure we have all the documents and information needed to process your loan. They will be removed from your Loan Status page as you complete them.

In many cases, you can start a chat in your Online Banking account or the RBFCU Mobile app to upload the required documents or information.

If original paperwork or documents are requested, you may bring them to a branch or communicate with your Consumer Lending Specialist regarding specifics.

RBFCU loans are reviewed in-house at both our Austin and San Antonio headquarters.

RBFCU does not offer payday loans. We do offer personal loans and line of credit loans as potential financing options.

RBFCU does not charge application fees, but we do collect the taxes required by each state.

For consumer loans, you can check your loan status by signing in to your Online Banking account or the RBFCU Mobile app. You can also call our Consumer Lending Center at 210-945-3300, then press option 3 twice, start a chat with a Member Service Representative in your Online Banking account, or visit your nearest branch.

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

All consumer loan and credit card applications submitted to RBFCU are reviewed within one business day. 

There's no guarantee on how much a Credit Builder Loan will improve your credit score, because many different variables can affect your credit score. However, your credit report will reflect your successful completion of on-time, scheduled payments, which shows your commitment to being a responsible consumer. 

A Consumer Lending Specialist will contact you within one business day of your application. You can also check your loan status by signing in to your Online Banking account or the RBFCU Mobile app.

Documents requiring your signature can be sent to you by mail, email, DocuSign (a method of electronically obtaining your signature) or fax. We will notify you if any documents must be mailed back to us with original signatures.

“Next Steps” are tasks to complete (uploading paystubs, proof of insurance, notarized documents, etc.) to ensure we have all the documents and information needed to process your loan. They will be removed from your Loan Status page as you complete them.

In many cases, you can start a chat in your Online Banking account or the RBFCU Mobile app to upload the required documents or information.

If original paperwork or documents are requested, you may bring them to a branch or communicate with your Consumer Lending Specialist regarding specifics.

There are no fees associated with applying for a loan. With a Credit Builder Loan, you will be required to pay interest on the loan, but you’ll receive a portion of that interest back in dividends on your funds monthly throughout the duration of the loan.

Successfully completing a Credit Builder Loan doesn’t automatically qualify you for additional loan products. In every lending situation, our underwriters take a holistic review of your loan request, credit history and financial standing. However, the Credit Builder Loan is reflected as being paid on your credit report, so lenders may take this into account as a reflection of your financial responsibility.

A Credit Builder Loan is a loan designed to assist members with no credit or past credit problems as they strive to establish a better credit history. The money borrowed is secured in the member’s savings account while regular payments are made. For more information, visit our Credit Builder Loan page.

A Credit Builder Loan is a tool to build your credit. The biggest difference is that Credit Builder Loan funds are placed in an account for safekeeping while you make scheduled payments.

A personal loan provides funds for your needs that are available immediately.

A Credit Builder Loan allows you to hold a specific amount in an RBFCU savings account and make regular payments until you’ve paid the full loan amount. This loan option is intended to help you build a strong payment history that can be reflected on your credit report and considered when you make future lending requests.

Payday loans, which RBFCU does not offer, provide instant funds for use, often at extremely high interest rates. If you currently have a payday loan and are struggling with high interest rates, you may want to consider refinancing those loans with an RBFCU personal loan.