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.
- American Red Cross
- Texas Diaper Bank
- Cornerstone Credit Union League Foundation
- Samaritan’s Purse
- Family Endeavors
- Mercy Chefs
The donation includes $500,000 to the American Red Cross and we’re encouraging our members and the community to match our contribution.
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 1-800-580-3300, 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 1-800-580-3300, select option 3, then option 3 again, to speak to a Consumer Lending representative.
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?
- I lost my card and I have been evacuated due to the recent hurricanes. What do I do?
I was affected by the recent hurricanes. How can I get a loan quickly to help me through this difficult time?
Members in FEMA-declared areas affected by the recent hurricanes can request an RBFCU Consumer Relief Loan at 1-800-580-3300, select option 3, then option 3.
How do I use my chip card at chip-enabled terminals?
To use a chip-enabled terminal, the cardholder will insert their card into the bottom of the terminal and follow the prompts on the screen. The terminal will read the information contained in the chip, making sure the card is valid and authenticating it more securely.
Here's the step-by-step process:
- Insert card: Instead of swiping, you will insert your card into the terminal, chip first, face up.
- Leave the card in the terminal: The card must remain in the terminal during the entire transaction.
- Follow the instructions on the screen: It may or may not ask for your PIN.
- Remove your card: When the purchase is complete, take your card.
How can I enroll in Bill Pay?
Log in to your RBFCU online banking account by going to rbfcu.org and entering your username and password. Once you are logged in, click the “Bill Pay” tab next to “Loans” on the tab bar on our website or the “Pay” tab on the RBFCU Mobile app. You will automatically be taken to an enrollment screen to begin the process.
How can I use a Line of Credit as overdraft protection?
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 1-800-580-3300 or send us a secure message through your online banking account.
For more information, read “What You Need to Know About Overdraft Protection.”
How do I request a cash advance on my credit card?
Completing a cash advance is the fastest way to access funds from your RBFCU Mastercard credit card.
To request a cash advance via your online account, follow these instructions:
- Log in to your online account.
- Click on the credit card name located on your account summary homepage.
- Select the easy “Cash Advance” option located on the left hand side of the page.
- From the drop down menu, select which account will receive the deposited funds.
- Click the “Next” button to confirm your transaction. Your funds will be deposited within minutes.
To complete a cash advance at an ATM1 follow these instructions:
- Place your card in the ATM and enter your PIN number.
- Follow the prompts to process the cash advance and your cash will be dispensed immediately.2
1ATM fees may apply. 2Cash advance prompts may vary depending on ATM type and geographical location.
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 do I need to do if my property was damaged by the recent hurricanes?
Notify your insurance companies immediately even if you are not near the property. If you have separate policies for homeowners, flood, and/or windstorm insurance, notify each insurance company you have a policy with. Your insurance companies will attempt to determine if the damage was from wind or water, so notifying every insurance company you have will help protect your interests. Do not wait to notify your insurance companies – the earlier the better as they will be receiving thousands of calls of property damages needing to be assessed. Notification should include any insurance company you having insuring personal property, such as autos, boats, etc., if those items were also damaged.
When notifying your insurance companies, ask if you have any coverage for temporary living expenses. If you do have this type of coverage, make sure you know the insurance company’s requirements for obtaining these funds, such as requiring receipts.
What should I do after filing a claim with my insurance company due to damage from the recent hurricanes?
Your insurance company should give you a claim number. Document this claim number as you will need it throughout the process. It is also a good idea to keep detailed descriptions of the damage done to your property, including pictures. Safety is the top priority. Do not take any risks to take pictures or assess the damage of your property.
If your real estate loan is financed with RBFCU, please contact RBFCU Mortgage Servicing at 210-945-3300 or 1-800-580-3300, select option 3, then option 2, then option 1. Our representatives will discuss what documentation we will need from insurance company and/or contractors, and what the process will be when you receive a check from your insurance company.
What happens when I receive a check from insurance?
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 or 1-800-580-3300, 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.
How do I get requested insurance documents to RBFCU?
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 Randolph Brooks 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?
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; not NCUA insured; and not guaranteed by RBFCU Insurance Agency LLC, RBFCU Services LLC or RBFCU.