Banking at RBFCU
RBFCU is the credit union where you save time, save money and earn money!
All it takes is $1 deposited into a savings account and you can start building your financial home at RBFCU. Members love our Really Free Checking Account, tiered-dividend Money Market accounts and savings and checking for business owners. With more than 5,000 ways to qualify for membership, joining the credit union is easy! Open an account online or visit an RBFCU branch.
Savings accounts
RBFCU offers options to help you meet your financial goals, including savings accounts that yield guaranteed dividends. You can expand your savings horizons with higher-yield certificates, tiered-dividend or traditional Money Market accounts, or traditional or Roth IRAs.
Checking account
RBFCU members enjoy a Really Free Checking Account with no monthly maintenance fees and no required minimum balance. Plus, you can get started right away with digital issuance of our Freedom Debit Card!
Business accounts
RBFCU empowers business owners with business checking and savings accounts. Plus, you have access to RBFCU merchant services, including point-of-sale technology, payroll processing and website design. You can also apply for a business loan to start or grow your business!
How do I open my account with RBFCU?
You can complete your application online if you are 18 or older. It typically takes less than 15 minutes.
To complete the qualification and account opening process, you’ll be required to:
- Provide your address, contact information and Social Security number
- Determine how you qualify for membership (There are plenty of ways to join!)
- Verify your identity with a state-issued ID
- Provide a credit or debit card to fund your new savings account with a minimum of $1
Please note: Members are required to open a primary savings account with a minimum deposit of $1, which must remain in the account at all times. A checking account can be opened with a zero balance.
You’re busy! RBFCU banking options make life easier.
RBFCU members always have banking services at their fingertips — safe and secure — through our Online Banking platform and the RBFCU Mobile app. Deposit checks, pay bills or transfer funds through your mobile device or at home, and set payment card usage Alerts through our Manage Cards feature!
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What is a credit union?
Credit unions are not-for-profit cooperatives, owned by their members who save and borrow there. We exist to serve our members, not to make a profit, so credit unions do not issue stock or pay dividends to outside stockholders. Instead, we return our earnings to members by providing lower loan rates, generally pay higher dividends on deposits and charge lower fees.
Credit unions are a democracy. Each credit union member has equal ownership and one vote, regardless of how much money they have on deposit.
Every credit union is governed by a board of directors, elected by and from the credit union's membership. Board members serve voluntarily and receive no compensation.
Credit unions cannot serve the general public; instead, people must qualify for membership. People are eligible for credit union membership through their employer or organizational affiliations like churches or social groups, or a community-chartered credit union.
Credit unions provide beneficial education to their members so they can become better educated consumers of financial services. We not only focus on our adult members, but work to give our youth and young adults the skills they need to become financially savvy.
Membership eligibility is required. Programs subject to change; other restrictions may apply. Photo ID required for all transactions at any RBFCU branch.
