Forms & Disclosures
We have compiled various forms, disclosures and documents into one location to make it easier for members to find and print paperwork and manage their financial needs.
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Banking
Membership
- Membership Agreement & Disclosures
- Member Magazine: Your Guide to RBFCU’s Products and Services
- Privacy Policy
- USA PATRIOT Act Notice
Select Group (SG) Membership
Checking and Savings Accounts
- What You Need to Know About Overdrafts and Overdraft Fees
- Funds Availability Policy
- Electronic Fund Transfers Agreement and Disclosure
- Questions Regarding Electronic Fund Transfers on Your Consumer Account Statement
- Truth in Savings Fee Schedule
- Truth in Savings Account Disclosures
- Substitute Checks and Your Rights
- Direct Deposit Authorization Form
- Automatic Payment Authorization Form
- ClickSWITCH Terms of Use
- Mastercard Guide to Benefits for Debit Cardholders
- Notice for Error Resolution and/or Cancellation of an International Wire Remittance Transfer
- Certificate Issuance and Disclosure Information
- IRA Certificate Issuance and Disclosure Information
- Statement Reconciliation
- Mail-in Deposit/Loan Payment Voucher
Identity Theft Coverage
- MemberSafe®: Identity Monitoring & Resolution Services, Credit File Alerts, Identity Theft Protection, Cellular Phone Protection
- Certificate of Insurance for IDProtect Plus and MemberSafe
- Certificate of Insurance for IDProtect
- Five Steps to Take Immediately If Your Identity Has Been Stolen
IRAs
- Traditional IRA Application
- Roth IRA Application
- IRA Rollover or Conversion Review
- IRA Required Minimum Distribution Election Form
- IRA Contribution Instructions
- IRA Designation or Change of Beneficiary Form
- IRA Distribution Form
- Request for Transfer or Conversion to an IRA
- Simplified Employee Pension (SEP) Plan Document
- IRS Form W-4R Withholding Certificate for Nonperiodic Payments
- IRA Certificate Issuance and Disclosure Information
- Traditional IRA Amendment
- Traditional Beneficiary IRA Amendment
- Roth IRA Amendment
- Roth Beneficiary IRA Amendment
Online / Mobile Banking
- RBFCU Online Banking User Agreement & RBFCU Mobile Deposit® Disclosure and Agreement
- Online Banking Privacy Policy
- Paperless Preference Agreement
- RBFCUsend User Agreement and Terms & Conditions
- Online Banking Account to Account (A2A) Transfers Authorization
- RBFCU Bill Pay® Terms of Service
- Mobile Wallet Agreement
- ClickSWITCH Terms of Use
Other
- Available Drive-Thru, ATM, Online/Mobile Banking and Self-Service Options
- Deposit ATMs
- ATM Self-Service Lanes
- Make ATM Safety a Priority
- Know the Facts - Cashier’s Checks
- Safe Deposit Box Account Rental Disclosure
- Medallion Signature Guarantee Program Checklist
- A Financial Guide Following the Loss of a Loved One
- Wire Transfer Services Agreement
- Your Insured Funds (NCUA)
- How Your Accounts are Federally Insured (NCUA)
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Loans
Auto Loans
- Auto Loan Application
- RBFCU Preferred Dealers List
- Title and Lien Recording Instructions for Autos, Motorcycles, Recreational Vehicles, Boats, ATV, UTV, Jet Skis
- Vehicle Buyer’s Check Instructions and Transferring a Vehicle Title
Vehicle Protection Package
- Guaranteed Asset Protection (GAP) Plus with Deductible Assistance brochure
- Mechanical Repair Coverage (MRC) brochure
- Credit Insurance (CI) brochure
Other Vehicle Loans
- Other Vehicle Loan Application (Motorcycles, boats (excluding yachts), RVs, ATVs, personal watercrafts and specialized collateral)
- Title and Lien Recording Instructions for Autos, Motorcycles, Recreational Vehicles, Boats, ATV, UTV, Jet Skis
Credit Cards
- Credit Card Application
- Interest Rates, Interest Charges and Fees for World Cash Back and Premier Rate Mastercard Credit Cards
- World Cash Back Mastercard Pricing Terms and Agreement Billing Rights & Credit Card Disclosure
- Mastercard Guide to Benefits for World Cash Back Mastercard Credit Cardholders
- Platinum Premier Rate Mastercard Pricing Terms and Agreement Billing Rights & Credit Card Disclosure
- Guide to Benefits for Premier Rate Mastercard Cardholders: Worldwide Automatic Travel Accident & Baggage Delay
- How to Request a Cash Advance or Balance Transfer
- Savings Secured Mastercard Addendum to Cardholder Agreement
- Notice to Co-Signer
- No-Cost Travel Accident Insurance
- Mobile Wallet Agreement
No longer available
- World Cash Back Mastercard Pricing Terms and Agreement Billing Rights & Credit Card Disclosure (Expired Feb. 27, 2023)
- Platinum Premier Rate Mastercard Pricing Terms and Agreement Billing Rights & Credit Card Disclosure (Expired Feb. 27, 2023)
- CashBack Rewards Mastercard Agreement Billing Rights & Credit Card Disclosure (No longer available)
- Gold Mastercard & Platinum Mastercard Agreement Billing Rights & Credit Card Disclosure (No longer available)
- Platinum Preferred Rate Mastercard Agreement Billing Rights & Credit Card Disclosure (No longer available)
Personal Loans
- Personal Loan Application (Signature Loans, Lines of Credit, Share Secured, Certificate Secured)
- Credit Builder Loan Application
- Line of Credit Agreement & Billing Rights Notice
- Line of Credit (LOC) Account Acquisition Disclosure
Student Loans
Collections
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Home Loans & Realty
Mortgages
- Mortgage Application (Use for adjustable-rate, fixed-rate, jumbo and land loans)
- Buying a New Home: A Quick Start-to-Finish Guide
- Your Mortgage Application Checklist
- Maintaining Your Financial Status and Credit Score
- The Road to Homeownership: Step by Step
- What to Expect During the Mortgage Loan Process
- NMLS Mortgage Loan Originator
- Mortgages from A to Z: Terms You’ll Hear During the Homebuying Process
FHA & VA
- FHA & VA Loan Application on DomainMortgage.com
- Domain Mortgage — Your Mortgage Application Checklist
- Domain Mortgage — What to Expect During the Loan Process
- Domain Mortgage — Activities to Avoid to Successfully Close on Your Home
- Buying a New Home: A Quick Start-to-Finish Guide
- Certificate of Eligibility (COE) - VA Form 26-1880
First-Time Homebuyers
New Construction
- New Construction Loan Application
- What to Expect During the Construction Loan Process
- Member Guide for New Construction Loans
- Builder Guide for New Construction Loans
Home Equity/Home Equity Line of Credit (HELOC)
- Home Equity/HELOC Loan Application
- Texas HELOC Early Disclosure Statement
- What You Should Know About Home Equity Lines of Credit
Home Improvement
Homebuying & Selling Services
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Business
Periodic Review Forms
Business Credit Cards
- Business Select Mastercard Pricing Terms and Agreement Billing Rights & Credit Card Disclosure
- Interest Rates, Interest Charges and Fees for Business Select Mastercard Credit Card
- Guide to Benefits for Business Select Mastercard Cardholders: Worldwide Automatic Travel Accident & Baggage Delay
- How To Request a Cash Advance or Balance Transfer
- Mobile Wallet Agreement
Business Accounts
- Business Account Agreement and Fee Schedule
- Business Account Requirements
- Beneficial Ownership Form
- Guest User (eShare) Disclosures
Business Services
- Contact Us
- Business Solutions: Learn About All of RBFCU’s Business Products and Services
- How to Install the RBFCU Mobile Deposit app for Windows
- Electronic Payment Processing
- Merchant Processing Preapplication Profile Form
- How to Get a Free Apple Pay-Enabled Payment Processing Terminal
- Clover Mini: Portable Point-of-Sale Terminal
- NewtPay Mobile: Smart Phone Credit Card Terminal
- RBFCU Mobile Promotion: Pay on the Go Processing
- Newtek Payroll Processing
- Web Design & Development
- ACH Services
Select Group (SG) Membership
-
Learn
Worksheets
Budgeting & Personal Finance
- Budgeting Worksheet
- Building a Budget With 50/30/20 | Construyendo un presupuesto con 50/30/20
- Goal Setting Worksheet: Build a Budget You’ll Stick With
- Renters Guide: 6 Steps to Take When You Can't Afford Rent
- Paying for Pets: Can You Afford a Pet?
Saving
- SMART Financial Goals Guide: Worksheet to Help You Set a Financial Goal
- Saving Strategy: Pay Yourself First — Make It Real
- Responding to Financial Emergencies: Are You Ready?
Safety & Security
Student Loans & How to Pay for College
Working & Earning an Income
- Common Money Beliefs: Take the Quiz
- Navigating Income Loss: Using Smart Goals to Get Back on Track
- Become the Master of Saving with New Skills
- Writing a Business Plan: From Idea to Action
Credit Union Advantage
It’s a Money Thing Junior
- Borrowing Money Activity Sheet: Borrowing Blues
- Borrowing Money Comic/Coloring Page: Interesting Interest
- Giving Money Activity Sheet: Let’s Make Money Jars
- Giving Money Comic/Coloring Page: Getting Good at Giving
- Growing Money Activity Sheet: Investing Word Search
- Growing Money Comic/Coloring Page: Grow Your Money By Investing It
- Making Money Activity Sheet: What Do You Want to Be When You Grow Up?
- Making Money Comic/Coloring Page: Career Choice Roller Coaster
- Saving Money Activity Sheet: My Savings Goal
- Saving Money Comic/Coloring Page: Getting Good at Saving
- Spending Money Activity Sheet: Shopping Maze
- Spending Money Comic/Coloring Page: Spending Peer Pressure
Guides
Budgeting & Personal Finance
- A Guide to Understanding Financial Terms (Glossary)
- How to Build Your Budget | Cómo construir tu presupuesto
- Military Families & Veterans Financial Health: A Guide to Budgeting and Managing Money
Spending
- Buying a New Home: A Quick Start-to-Finish Guide
- Rental Agreements and Leases: Key Questions to Ask Before You Sign
- Owning vs. Renting a Home: Weighing Your Options
- Owning a Home vs. Renting
- The Dos and Don’ts of Buying a Used Car
- Leasing vs. Buying a New Car: To Lease or to Finance — That is the Question!
Saving
- Avoiding Lifestyle Creep: Small Changes, Big Impact
- Prepare for the Unexpected With an Emergency Fund
- Retirement Savings Options
- How Much Money Do You Need to Retire?
- Keep Your Tax Bill as Low as Possible During Your Retirement
- Budgeting for Retirement is Essential
- Compound Interest: The Rule of 72
- How to Save on Groceries: Coupon Clip Your Way to Savings
- Simple Interest vs. Compound Interest
- Understanding Inflation
Credit
- How to Read Your Monthly Credit Card Statement | Cómo leer el extracto mensual de tu tarjeta de crédito
- How to Read a Credit Report
- How is a Credit Score Calculated? | ¿Cómo se calcula una puntuación crédito?
Borrowing
- Buying a New Home: A Quick Start-to-Finish Guide
- Loan Prep and Common Terms | Preparación de préstamos y términos comunes
- Alternatives to Predatory Lending
- Building a Debt Repayment Plan | Construyendo un plan de pago de deuda
Investing
- Trends in the Stock Market: What’s With the Bull and the Bear?
- Share Certificates vs. Stocks
- Investment Vehicles: Stocks and Bonds
- Cryptocurrency Glossary
Safety & Security
- What is Insurance?
- Money Smart for Older Adults Resource Guide
- What are the Warning Signs of Identity Theft?
- How to Spot Email Phishing Scams
- Creating an Online Personal Information Map
Student Loans & How to Pay for College
- Sallie Mae: Your 1-2-3 Approach to Paying for College and Senior Year Checklist
- Sallie Mae’s Countdown to College: Your Stress-Free Guide to Applications
- Paying for School: 5 Things to Know Before Taking Out Student Loans
Working & Earning an Income
- The 4 Factors of Your Income
- Defining Your Dream Job
- Acing the Job Interview: Preparation is Key
- How to Read Your Pay Stub
- 3 Ways to Earn Extra Cash Online
- Working from Home: Bring on the Fun with These Virtual Activities
Credit Union Advantage
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Investments
- Request an Investments Appointment
- Request a Trust Services Appointment
- Request a Retirement Appointment
- Medallion Signature Guarantee Program Checklist
IRAs
- Traditional IRA Application
- Roth IRA Application
- IRA Rollover or Conversion Review
- IRA Required Minimum Distribution Election Form
- IRA Contribution Instructions
- IRA Designation or Change of Beneficiary Form
- IRA Distribution Form
- Request for Transfer or Conversion to an IRA
- Simplified Employee Pension (SEP) Plan Document
- IRS Form W-4R Withholding Certificate for Nonperiodic Payments
- IRA Certificate Issuance and Disclosure Information
- Traditional IRA Amendment
- Traditional Beneficiary IRA Amendment
- Roth IRA Amendment
- Roth Beneficiary IRA Amendment
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Insurance
Homeowners Insurance
- Homeowners Insurance Quote Request
- Homeowners Insurance Quote Request (Printable PDF)
- Return this form by 1) mailing it to RBFCU Insurance Agency, P.O. Box 2097, Universal City, TX 78148-2097 or 2) faxing it to 210-564-2990
- Need assistance? Call RBFCU Insurance Agency at 210-564-2999 or toll-free at 1-888-564-2999.
Auto Insurance
- Auto Insurance Quote Request
- Auto Insurance Quote Request (Printable PDF)
- Return this form by 1) mailing it to RBFCU Insurance Agency, P.O. Box 2097, Universal City, TX 78148-2097 or 2) faxing it to 210-564-2990
- Need assistance? Call RBFCU Insurance Agency at 210-564-2999 or toll-free at 1-888-564-2999.
Vehicle Protection Package
- Guaranteed Asset Protection (GAP) Plus with Deductible Assistance brochure
- Mechanical Repair Coverage (MRC) brochure
- Credit Insurance (CI) brochure
Commercial Insurance
Personal Insurance
- Accidental Death & Dismemberment (AD&D) Insurance Application and Information
- Hospital Accident Protection Insurance Application and Information
- Life Insurance Application and Information
- Travel Insurance Application and Information
- Travel Insured Intl. Protection Plans Comparison
- Pet Insurance Application and Information
- Request a Quote or More Information
Medicare Supplement Insurance Plans
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Statement Inserts
January 2025
- Funds Availability Policy Threshold Adjustments
- Consolidate Holiday Debt with an RBFCU Mastercard® credit card
December 2024
November 2024
October 2024
- Online security is important for all RBFCU members
- Helping you invest in life's big moments
- Navigate salary changes with more confidence
- Annual Meeting Notice
September 2024
August 2024
- Earning your trust by serving your business
- Simplify your banking with the RBFCU Mobile® app
- What teachers need to know about retirement
July 2024
- Summer adventures, a tap away
- Summer sun and the open road
- RBFCU Account Reconciliation Research Fee Change
June 2024
May 2024
- The summer sun is calling! — Auto Loans
- Sizzling Summer Sweepstakes! Win $5,000
- Are you prepared for market fluctuations?
- Let's talk retirement!
April 2024
- Celebrate Financial Literacy Month with Youth Accounts
- Automatic savings every time you spend
- Privacy Policy
- Make ATM Safety a Priority
- Questions Regarding Electronic Fund Transfers on Your Consumer Account Statement
March 2024
- With an RBFCU Mastercard® credit card, your next adventure awaits
- Navigate homebuying with confidence
- Kuper Sotheby’s International Realty — Move Beyond Your Expectations
February 2024
January 2024
- Consolidate holiday debt with an RBFCU Premier Rate Mastercard® Credit Card
- Love your car but not your payment? Refinance your auto loan with RBFCU today
- Home equity loans: consolidate debt
December 2023
- Give your young saver a head start to banking — RBFCU Youth Accounts and the STAR Program
- Wrap up your holiday purchases with RBFCU Round Up
November 2023
October 2023
- MemberSafe — Fraud is on the rise … help protect you and your family1 with our identity monitoring program
- Online security is important for all RBFCU members
- Women & Investing
- Long-Term Care
- Membership Agreement & Disclosures
- Business Account Agreement and Fee Schedule
September 2023
- Fall Road Trips are Around the Corner!
- Make Your Home Energy-Efficient with a Home Equity Loan
- Are You Financially Fit?
August 2023
July 2023
- Share Certificate and IRA Certificate Account Change in Terms
- Summer Adventure Awaits - RBFCU Mastercard® Credit Cards
- The Open Road is Calling - Auto Loans
- Membership Agreement & Disclosures
- Business Account Agreement and Fee Schedule
June 2023
- Let Your Savings Do The Earning - RBFCU Certificate Accounts
- Grow Your Savings in a Changing Economy - RBFCU Money Market Accounts
- Insurance Protection in the Summer
May 2023
April 2023
- World Cash Back Card Launch
- RBFCU Youth Accounts and the STAR Program
- Save Without Even Trying with RBFCU Round Up
- Privacy Policy
- Make ATM Safety a Priority
- Questions Regarding Electronic Fund Transfers on Your Consumer Account Statement
- Membership Agreement & Disclosures
- Business Account Agreement and Fee Schedule
March 2023
- Found the perfect home? We've got the perfect loan.
- The Great Outdoors is Calling! — Vehicle Loans
- Kuper Sotheby’s International Realty — Move Beyond Your Expectations
February 2023
