Hurricane Relief Efforts

Our hearts are with all those affected by Hurricanes Harvey and Irma during these incredibly difficult times. As our communities work tirelessly to aid in the relief efforts, we encourage you to contribute in any way you can. RBFCU recently donated $1 million collectively to the following organizations to provide immediate assistance to those displaced.

The donation includes $500,000 to the American Red Cross and we’re encouraging our members and the community to match our contribution.

Member Relief

If you have been affected, we want to take a few things off your mind, so for members living in FEMA-declared areas, we will:

  • Waive or refund any late fees associated with all RBFCU loans
  • Waive or refund fees for overdraft (Courtesy Pay) and non-sufficient funds on consumer and business checking and savings accounts
  • Waive our $1 convenience fee for ALL MEMBERS when using out-of-network ATMs

Effective dates for these programs:

  • Hurricane Harvey, Aug. 31-Sept. 30, 2017
  • Hurricane Irma, Sept. 8-Oct. 8, 2017

In addition, we may be able to defer your loan payments for up to three months and not report any delinquencies or send negative information to the credit bureaus. Please call us at 210-945-3300, select option 5, ext. 11321, to discuss this option and make payment arrangements as necessary.

We are also offering Emergency Loans at 6% APR with terms up to 12 months. Please call our Consumer Lending Center at 210-945-3300, select option 3, then option 3 again, to speak to a Consumer Lending representative.

If you are not in a FEMA-declared location but still feel you need disaster relief, please contact us at 210-945-3300 or at We may be able to help.

Keeping You Connected

Download the free RBFCU Mobile app for an easier way to manage your finances, check your balances or make payments from your mobile or tablet device.

  • How can I find an RBFCU ATM?
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    You can find your nearest RBFCU branch or ATM at To find an RBFCU branch or ATM using the RBFCU Mobile app, tap the blue plus sign in the bottom menu, and choose “Contact Us” to view options, including “Locate a Branch or ATM.”

  • How can I enroll in Bill Pay?
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    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 use a Line of Credit as overdraft protection?
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    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 send us a secure message through your Online Banking account.

    For more information, read “What You Need to Know About Overdraft Protection.”

  • How can I request a Cash Advance on my credit card?
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    Click here to learn more about Cash Advances and Balance Transfers.

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RBFCU Insurance Agency Warns Members to Be Aware of Claims Filing Misinformation

In the recent wake of Hurricane Harvey, and with the threat of additional hurricanes on the horizon, there have been many misconceptions regarding insurance claims posted to social media and other websites. The RBFCU Insurance Agency wants to ensure our clients and members are familiar with the current facts and stay well-informed of any information concerning claims. The most important fact to know is the normal claims process has not changed.

The Independent Insurance Agents of Texas has posted an article, “Setting the Record Straight on Claims Filing Misinformation.” FEMA has released a step-by-step guide called “How Do I File My Flood Claim?” We encourage you to review this information on claims filing.

If you have any questions or need additional insurance assistance, please contact the RBFCU Insurance Agency at 1-888-564-2999. We’re here to help in this time of need.

Your safety is our top priority. Make sure you and your loved ones do not take any unnecessary risks. See below for the most commonly asked questions and answers.

  • What happens when I receive a check from insurance?
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    RBFCU will most likely be listed as a payee on your insurance check because we have a financial interest in the property. Depending on the extent of damage to your home, we may release the funds in partial payments as the repairs are completed. Some repairs may require a licensed contractor. Please contact Mortgage Servicing at 210-945-3300, select option 3, then option 2, then option 1. We will provide instructions on sending the insurance adjusters report to us, negotiating the insurance check, and the repair process.

    If your auto is financed with RBFCU, please contact RBFCU Consumer Lending at 210-945-3300, select option 3, then option 3, then option 1, then option 4.

  • How do I get requested homeowners insurance documents to RBFCU?
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    If in an area without a branch, insurance adjusters reports and contractor bids can be faxed to the Mortgage Servicing Department at 210-564-2940 or 210-637-3076 or emailed to

    Insurance checks, after you endorse them exactly as written on the payee line, can be mailed to:

    RBFCU Mortgage Servicing Department
    P.O. Box 2097
    Universal City, TX 78148

    or overnighted to

    RBFCU Mortgage Servicing Department
    1 IKEA-RBFCU Parkway
    Live Oak, TX 78233

    Please put “Attention: Mortgage Servicing” on your envelope and include good contact information on your documents so your documents get to us timely and we are able to reach back out to you.

  • How do I choose a contractor for my home repairs after a storm?
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    Some contractors offering services after storms take advantage of storm victims. Texas Department of Insurance offers these tips when evaluating contractors:

    • Call your insurance company first. Your insurance company can give you advice on what repairs should cost.
    • Use trusted companies. Make sure to check their references and phone numbers.
    • Get written estimates. These should be on the company’s letterhead with clear contact information.
    • Get more than one bid. This will help you decide which offers are legitimate and which may be too high or too good to be true.
    • Do not pay for repairs up front. Good contractors will typically require a partial payment up front to get started, but your final payment should be made after the job is finished.
    • If you feel pressured or threatened, call the police.

Loans are subject to credit approval. Some restrictions may apply. This rate is valid for new loans only and is not valid for refinancing a current signature loan. Your monthly payment for the above loan terms would be approximately $87 per $1,000.

Any sensitive information including account numbers, Social Security numbers, etc., should not be sent through unsecured email. To send sensitive information, simply log in to your online banking account and send us a secure message. Click “My Messages” (near the top-right corner of the page), followed by “Send a Message.”

RBFCU does not charge a fee for the RBFCU Mobile application, but you may be charged for data by your mobile wireless provider. Certain restrictions, including daily and monthly deposit limitations may apply. All deposits using Electronic Deposits Mobile are subject to our Funds Availability Policy.

RBFCU Insurance Agency LLC is a wholly-owned subsidiary of RBFCU Services LLC. RBFCU Services LLC is affiliated with Randolph-Brooks Federal Credit Union (RBFCU). Insurance products are not deposits; are not obligations of the credit union; not NCUA insured; and not guaranteed by RBFCU Insurance Agency LLC, RBFCU Services LLC or RBFCU.