Business Frequently Asked Questions

RBFCU does not charge application fees on its business loan products.

No. RBFCU has more than 5,000 ways to qualify you for membership. To get more information on becoming an RBFCU Select Group, call our Business Development Office at 210-945-3300 , ext. 53827 or email us at membership@rbfcu.org.

As a business owner, your personal finances may be included in our overall underwriting review for your loan.

Yes, subject to credit qualifications, RBFCU can offer financing to nonprofit businesses.

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.

Because there are many variations and options when it comes to SBA loans, the loan closing process can vary widely. However, your initial application will be reviewed and you will be contacted by a business lending officer within three business days.

Time from application to closing varies, depending on the complexity of the request. We recommend you contact us to complete an application as soon as you have identified a need for financing and that you build a very thorough business plan in order to help us determine the financing options that may best suit your needs.

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.

Business loan application requirements can vary depending on the loan type, term and amount. However, as a general guideline, the loan application package will typically include financial statements of the business, tax returns for the guarantor and the business (as applicable) and a personal financial statement. For startups and expansion of existing business, a business plan with three years of projections is required.

SBA loans are provided through RBFCU and partially backed by the U.S. government. This additional layer of financial backing means potential flexibility for your business. SBA loans may have the potential to provide borrowers with lower down payment requirements and longer loan terms to assist with minimizing monthly payments and improving cash flow.

Our business lending officers take many factors into consideration when determining your business loan rate, including collateral, financial standing and desired loan terms. Because so many variables are involved in setting the proper rate, discussing your situation with a Business Lending officer is the best way to begin determining the rate and terms that may fit your business' needs and situation. To get started, contact our Business Solutions Team at 210-945-3300 or BusinessSolutions@rbfcu.org, or visit your local RBFCU branch.

An SBA loan can be beneficial if you are seeking flexibility in your loan terms. If you are uncertain about the type of loan you may need, our Business Lending Specialists can work with you to determine which option best suits your business.

Business loans through RBFCU typically carry no prepayment penalties, although SBA loans offered through RBFCU may include a prepayment penalty on the portion that is government-financed.

There are no fees associated with applying for an SBA loan.

Yes, SBA loans can be used to fund startups. The 7(a) or (504) options may fit your financing needs.

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.

Because there are many variations and options when it comes to SBA loans, the loan closing process can vary widely. However, your initial application will be reviewed and you will be contacted by a business lending officer within three business days.

Time from application to closing varies, depending on the complexity of the request. We recommend you contact us to complete an application as soon as you have identified a need for financing and that you build a very thorough business plan in order to help us determine the financing options that may best suit your needs.

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.

Interest rates are indexed to the Prime Rate, and are based on multiple factors, including collateral, loan term, loan amount and business credit. Once you begin the loan process, your Business Lending Specialist can provide additional details on rates you may qualify for.

While amounts vary, RBFCU provides SBA loan products to meet the needs of all small business owner. Seasoned businesses will require proof of income, usually the last three years tax returns. New businesses will need a business plan with 36 months of detailed financial projections. The first 12-month period of the projections must be broken down month-by-month. Contact a Business Solutions Representative for more information.

SBA loans are provided through RBFCU and partially backed by the U.S. government. This additional layer of financial backing means potential flexibility for your business. SBA loans may have the potential to provide borrowers with lower down payment requirements and longer loan terms to assist with minimizing monthly payments and improving cash flow.

An SBA loan can be beneficial if you are seeking flexibility in your loan terms. If you are uncertain about the type of loan you may need, our Business Lending Specialists can work with you to determine which option best suits your business.

Yes, we offer a Business Select credit card. This card offers great benefits for business owners, including setting specific spending limits for your delegates. You can apply for a business credit card by signing in to your Online Banking account.

To add authorized RBFCU Business Select credit card users to your account, call our Payment Services Team at 210-945-3300, ext. 74571 or chat with a representative through your Online Banking account to begin the process. You’ll need to include the authorized user’s name and the limit you would like them to have. Our Business Solutions Specialists will let you know any additional specific information you will need to provide.

To set spending limits for authorized business credit card users, call our Payment Services Team at 210-945-3300, ext. 74571 or sign in to your Online Banking account to chat with a representative.

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, sign in to your Online Banking account.

An RBFCU Business Select Mastercard credit card provides a 2% flat cashback earning potential without a ceiling or tiered system. This card is designed to support the unique needs of a business by offering features tailored to handle different aspects of a business credit card such as multiple employee cards with designated limits under a master account limit. A different card number is issued to each employee, which will not interrupt the use of the account should an employee lose a card, or if an employee leaves the company and requires termination of the card.

The person designated as your account administrator may cash out rewards.

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.

RBFCU currently doesn’t open business checking accounts online, but we’re working to add that option to our Online Banking platform.

Please schedule an appointment to open your business account at one of our branches and a representative will walk you through the process. You can also call 210-945-3300, ext. 66950, and one of our Remote Member Assistance Representatives will assist you.

No. The Choice Money Market is not available for business accounts or any account using an EIN.

Please schedule an appointment to open your business account at one of our branches and a representative will walk you through the process.

You can also call 210-945-3300, ext. 66950, and one of our Remote Member Assistance Representatives will assist you with the account-opening process or answer your questions.

Members may choose the type of account based on estimated transactions per month. To request a specific business checking account type, you may initiate the process by contacting our Remote Member Assistance Team at 210-945-3300, ext. 66950, or starting a chat in your Online Banking account.

Monthly account maintenance fees will be waived for businesses that have a business loan balance over $50,000, or have one or more of the following products:

• ACH origination agreement with RBFCU
• Merchant or payroll processing through RBFCU’s provider
• Active check deposit scanner service

We recommend that you find one business checking account that best suits your needs and use that account type as your default. However, if you determine a long-term business need to change account types, you may contact our Business Solutions Team at 210-945-3300, ext. 53800, then choose option 6, and they will assist you with making necessary updates to your account.

We have several different options for business checking accounts. If you are a non-profit organization in search of an account that fits your needs, you may contact our Remote Member Assistance Team at 210-945-3300 , ext. 66950, regarding your needs and they may be able to help you find an offering that best suits you.

An item is any check, ACH funds transfer, teller cash withdrawal, ATM withdrawal, debit card purchase, fee, charge or other amount that is added to or subtracted from your balance.

This program is currently offered to RBFCU Business Select credit card and Freedom Business Debit Card cardholders.

Business debit and credit cardholders can shop at participating Program Partners, pay the normal price for eligible purchases and then automatically receive rebates which they can view on their monthly or Paperless Statements. The purchases must be processed as a credit transaction to qualify. Sign or select “Credit” when making a purchase with your business credit or debit card. If prompted for PIN, hit cancel and sign.

No. In order for a purchase to qualify for the rebate, the purchase must be made at a participating Program Partners and processed as a credit transaction to qualify. You must sign or select “Credit” when making a purchase with your business credit or debit card. If prompted for PIN, hit cancel and sign.

Yes. All business debit cards are eligible for Mastercard Easy Savings rebates.

Yes. All business credit cards are eligible for Mastercard Easy Savings rebates.

RBFCU Business Select Credit Cards and RBFCU Freedom Business Debit Cards are automatically enrolled.

There are additional benefits through the Mastercard Easy Savings website. You can take advantage of online reporting to track rebate totals for all of the participating Program Partners on your card(s) and link all eligible cards associated with your business. This allows you to view the total savings earned on each card, as well as the cumulative rebate totals on all cards. All that’s required for this enhanced reporting is for you to create a user ID and password so you can access the secure information on the Mastercard website. Your Online Banking credentials aren’t automatically transferable when you’re eligible for this program. You must create a unique user ID and password at easysavings.com.

In addition, you can view the qualifying purchases and rebates via your monthly bank or credit card statements or on rbfcu.org.

Mastercard Easy Savings is an automatic business credit and debit card rebate program that requires no coupons or codes to save on your business purchases.

Mastercard Easy Savings is easy to use and automatically fulfilled. When you make purchases at participating Program Partners with your business credit or debit card, the rebate(s) are processed automatically. These rebates are included on your monthly bank statements.

Currently, Mastercard has a diversified list of frequently used participating Program Partners categories that are relevant to business cardholders: Travel & Entertainment, Office Supplies, Telecom, Business Services, Shipping and Computer/Technology Related*. You can check here to view an updated list of participating merchants. The purchases must be processed as a credit transaction to qualify. Sign or select “Credit” when making a purchase with your business credit or debit card. If prompted for PIN, hit cancel and sign.

There’s no cost to register or join the Easy Savings program. There are no coupons or codes. You only need to use your eligible business credit or debit card to get the rebates.

No. You don’t need to fill out any forms, submit any receipts or use coupons to receive rebates at participating Program Partners. The purchases must be processed as a credit transaction to qualify. Sign or select “Credit” when making a purchase with your business credit or debit card. If prompted for PIN, hit cancel and sign.

Mastercard Easy Savings provides rebates on purchases made at participating Program Partners. This isn’t a cash back or point redemption program.

Rebates will automatically post to your account in conjunction with a qualifying purchase generally 3-5 business days after the purchase has been made. Rebates don’t accumulate; they’re posted at the time the qualifying purchase clears. Rebates may post 1-2 days earlier on the Mastercard Easy Savings website than on your online or paper bank statement based on the rebate clearing process. The purchases must be processed as a credit transaction to qualify. Sign or select “Credit” when making a purchase with your business credit or debit card. If prompted for PIN, hit cancel and sign.

There are no specific expiration dates on participating Program Partner rebate offers; however, you should check the website often for partner offer details as partners may choose to exit the program or adjust valid locations. There may also be cases when a partner decides to provide a special offer in addition to the Mastercard Easy Savings rebate. Continue to check the Mastercard Easy Savings website for the latest offers.

Mastercard Easy Savings rebates are usually in addition to other offers made by participating Program Partners, banks or other third-party vendors. See the Terms & Conditions and each participating Program Partner offer details for additional information.

The particular terms of each rebate offer are unique to each Participating Partner and Mastercard recommends that you review the offer details for each partner, which can be found on easysavings.com.

You should be able to view the rebates on your Online Banking account generally within 3-5 business days after making the qualifying purchase. In addition, you can view the rebates within 1-2 business days after making the qualifying purchase on the Mastercard Easy Savings website, if you have a user ID and password.

You can view the Mastercard Easy Savings rebates on your Online Banking statement, your monthly RBFCU statement or via the Mastercard Easy Savings website.

Yes. At the time of a partial or full return, Mastercard will reverse some or all of the rebate.

You should contact RBFCU Payment Services at 210-637-4571 regarding specific policies.

All Mastercard Easy Savings rebates post within 3-5 business days on your bank statements and you’ll still see rebates on any qualifying purchases up until the day you’re removed from Mastercard Easy Savings. This request must be completed through RBFCU by calling 210-637-4571.

Alerts are a free service provided by RBFCU. We will not charge you for Alerts and you can set up as many as you wish. However, if you choose mobile/text Alerts, you may be charged additional fees by your mobile service provider.

Older devices that are unable to run the latest operating system (OS) versions may not receive the OS security updates needed to run the RBFCU Mobile app. If you have an older device or you choose to use an older OS version on your device, you may not be able to access or use all the features available in the RBFCU Mobile app.

Additionally, only certified devices are supported by the RBFCU Mobile app. If you need assistance with your device, please contact your mobile carrier or device’s manufacturer.

If you have an older mobile device, you can still access your Online Banking account by visiting rbfcu.org on your device’s browser.

Your Bill Pay profile is only linked to your Online Banking profile. Since each member has their own Online Banking profile, your joint owner can set up their own Bill Pay profile if they need to manage certain bills.

You can only scan single-party domestic checks made payable to the owner(s) of the account.

Members are not permitted to deposit the following items via Mobile Deposit, per the Mobile Deposit User Agreement:

1. Any item drawn on my Account or my affiliate's Account at RBFCU.
2. Any item that is stamped with a "non-negotiable" watermark.
3. Any item that contains evidence of alteration to the information on the check.
4. Any item issued by a financial institution in a foreign country.
5. Any item that is incomplete or inconsistent.
6. Any item that is "stale dated" (more than six months from its date) or "postdated" (dated in the future).
7. Any third party check, (i.e., any item that is made payable to another party and then endorsed to me by such party).
8. Any item previously submitted for deposit.
9. Any item that is a traveler’s check or savings bond.
10. Any item that is not payable in United States currency.
11. Any item payable to any person other than me or entity other than you.
12. Any item payable to two (2) or more persons not alternatively, unless deposited into an account owned by all payees.
13. Any item authorized over the telephone or otherwise lacking the original signature of the person authorizing the check (such as a remotely created check).
14. Any item that is an electronically created item (such as an item that did not exist in paper form).

Yes. You will always have the option to sign in to the RBFCU Mobile app with your username and password.

Yes. Any checking that is available in your Online Banking account will be an option for payment in Bill Pay. You will choose a default checking payment method, but you can also select other available checking accounts if needed.

To manage your checking accounts or add another account to RBFCU Bill Pay:

1. Sign in to your Online Banking account or the RBFCU Mobile app.
2. Select “Move Money” from the menu.
3. Select “Pay a Bill.” Bill Pay will open in a new tab.
4. Select “Manage Billers”
5. Select Biller you wish to edit
6. Click 3 dots
7. Click “View/Edit Biller”
8. Under Payment method, click “Edit”
9. Select desired Checking Account for Payment Method
10. Click “Save Payment Method”

(You’ll have the option to save this account as your default payment method.)

Yes. To change these security settings:

1. Sign in to the RBFCU Mobile app.
2. Tap the profile icon in the top-right corner of the screen.
3. Tap “Profile Settings.”
4. Tap “Security Center.”
5. Select “Username,” “Password,” or “Security Questions and Answers” and follow the prompts to change the setting.

To delete a Favorite, visit the Transfer Money to Myself or Joint page in your Online Banking account, and select “Remove Favorites” at the bottom of the screen.

To delete a Favorite in the RBFCU Mobile app:

1. Sign in to the RBFCU Mobile app.
2. Tap “Move Money” in the bottom menu.
3. Tap “Transfer/Send Money,” then “Send Money to Myself or Joint.”
4. Select “Remove Favorites” at the bottom of the screen and follow the prompts.

Please note: You cannot edit a Favorite at this time. If you need to change a Favorite, please remove it and add it again with the correct information.

No. Sign-in Alerts are mandatory security Alerts that cannot be disabled.

Yes, you can contact our Member Service Team to request an account review if you need a temporary increase to your current Mobile Deposit limit.

Yes. Open the RBFCU Mobile app on your phone, and tap “Having Trouble Signing In?” Follow the prompts to reset your username or password.

Yes.

To set up a recurring transfer to one of your RBFCU accounts, visit the Transfer Money to Myself or Joint page in Move Money in your Online Banking account.

To set up a recurring transfer to another person’s RBFCU account, visit the Send Money to Someone Else page in Move Money in your Online Banking account.

Complete the transfer details, and tap “Schedule for Future.” You’ll be given options to choose a transfer “Frequency,” “Start Date” and “End Date” to set up a recurring transfer.

To set up a recurring transfer in the RBFCU Mobile app:

1. Sign in to the app.
2. Tap “Move Money.”
3. Tap “Transfer/Send Money.”
4. Select whether you’d like to send money to “Myself or Joint” or “Someone Else.”
5. Complete the transfer details, and tap “Schedule for Future.” You’ll be given options to choose a transfer “Frequency,” “Start Date” and “End Date” to set up a recurring transfer.

You can, but first you’ll need to link and verify your external account using Plaid.

1. Select the “Move Money” menu in Online Banking or the RBFCU Mobile app.
2. Select “Make a Payment.”
3. Select “Add Other Account,” then “External Account.”
4. Enter your external account details and select “Add External Account.”
5. You’ll be asked to validate your account through Plaid while initiating the recurring payment.

Yes. If you’re transferring funds to another person’s account, you will need the account holder’s name, their account number, their financial institution’s routing number and their account type to complete the transfer details.

Click here to sign in to your Online Banking account and set up a transfer to an external account, and enter the required information to complete.

To set up a transfer to an external account in the RBFCU Mobile app:

1. Sign in to the RBFCU Mobile app.
2. Select the “Move Money” menu.
3. To create a new transfer, select “Transfer/Send Money,” then “Send Money to Someone Else.”
4. Select “Account.”
5. Select “Add Other Account” and enter the details.
6. If you send to this account frequently, check the “Add to Favorites” box to save it for next time.

Yes. Members are required to accept the Terms and Conditions after installing and opening the app before they are able to sign in.

No. If you’re more comfortable using RBFCU’s other options — OTP via text message or phone call, and security questions and answers — you’re free to keep using them. However, MFA is a much stronger security option to protect your account and very difficult for fraudsters to infiltrate.

No. The Mobile Deposit program generates an electronic record with each deposit.

No. The RBFCU Mobile app uses push notifications to alert you regarding sign-in attempts from an unrecognized device, to update you on the status of loan applications, and for activity in the STAR program.

Account Alerts — those that notify you to transactions made on your RBFCU accounts by type and amount — are sent via email and text message. Visit the “Set Alerts” page in your Online Banking account to manage your Alerts.

To manage Alerts in the RBFCU Mobile app:

1. Sign in to the app.
2. Select the profile icon in the upper-right corner.
3. Select “Set Alerts.”
4. Select the type of Alert you’d like to manage from “Account & Loan Alerts,” “Card Alerts” or “Other Alerts.”
5. Choose an account and follow the prompts to set your Alert preferences.

To cancel Bill Pay service, please call us at 210-945-3300 to speak with a Payment Services Representative.

To clear the data and cache for the RBFCU Mobile app on an Android device:

1. Open “Settings.”
2. Tap “Apps.”
3. Tap the RBFCU Mobile App.
4. Tap “Storage.”
5. Tap “Clear Data.”

While Apple devices don’t have a specific option to clear cached data, restarting your device may resolve any issues you may be experiencing. If restarting doesn’t work, uninstalling and reinstalling the RBFCU Mobile app will clear all data.

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 locate your nearest RBFCU branch or ATM:

1. Sign in to the RBFCU Mobile app.
2. Tap the + button at the bottom of the screen to view your options.
3. Tap “Contact Us.”
4. Select “Locate a Branch or ATM” to open the location search.

You can change permissions to allow or deny apps to use various features on your phone, such as your camera or contacts list in your phone’s Settings.

Please note: Settings can vary by phone. For more information, contact your device’s manufacturer.

For Apple users:

1. Open the Settings app on your device.
2. Scroll down to the list of apps at the bottom, and choose the RBFCU Mobile app (listed as “RBFCU”).
3. Here, you can choose to enable or disable permissions for specific app features.

For Android users:

1. From the Home screen, swipe up to access “All Apps.”
2. Find and open the Settings app.
3. Tap “Apps & Notifications.”
4. Tap the RBFCU Mobile app (listed as “RBFCU”). If you can't find it, first tap “See all apps” or “App info.”
5. Tap “Permissions.” Here, you can enable or disable permissions for specific app features by tapping a feature, then choosing “Allow” or “Deny.”

Visit the My Devices page in your Online Banking account to review your trusted devices.

To review your trusted devices in the RBFCU Mobile app:

1. Sign in to the app.
2. Select the profile icon in the upper-right corner.
3. Select “Profile Settings.”
4. Select “Security Center.”
5. Select “My Devices” to see a list of devices with access to your account.

To view investments and accounts through our Online Banking platform at rbfcu.org or the RBFCU Mobile app, start by signing in and selecting “Explore Products” on the navigational toolbar. Then select “Investments.” (For mobile app users, tap the plus sign icon (+) at the bottom, select “Explore Products” and then click the “Investments” card.)

Follow the prompts, and from there, your investments and accounts will automatically appear.

The RBFCU Mobile app’s “Remember Me” option allows you to use face or fingerprint (biometric) options to identify and authenticate you when signing in to your account.

Once you enable Remember Me within the app, you will be prompted to sign in with your username and password at least once to verify. Your username and password will be captured, and you can sign in using a biometric option starting next time you sign in.

To access Mobile Deposit, sign in to the RBFCU Mobile app, then choose the “Mobile Deposit” icon in the bottom menu. From there, the app will guide you through each step of the Mobile Deposit process.

To access your Bill Pay information:

1. Sign in to your Online Banking account or the RBFCU Mobile app.
2. Select “Move Money.”
3. Select “Pay a Bill.” Bill Pay will open in a new tab.

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

On Android devices, you can adjust how often the RBFCU Mobile app widget is refreshed. This option is not available on Apple devices.

To adjust the refresh interval on your Android device:

1. Open the RBFCU Mobile app and, before you sign in, look for “Quick Balance” at the bottom of the sign-in screen.
2. Tap “Quick Balance” to bring up the feature. Tap the settings (gear) icon on the right to open the Settings on your phone.
3. Tap “Widget refresh interval” under “Widget Settings,” then choose a refresh interval of every ½ hour, hour, 2 hours, 4 hours, 8 hours or on demand.

“Widget Settings” for the RBFCU Mobile app in Settings:

“Widget Refresh Interval” options for the RBFCU Mobile app in Settings:

To contact RBFCU by chat or phone:

1. Sign in to the RBFCU Mobile app.
2. Tap the + button at the bottom of the screen to view your options.
3. Tap “Contact Us.”
4. Select “Start Chat” or “Call Member Services.”

To deposit checks with a digital camera:

1. Sign in to your Online Banking account to visit the Mobile Deposit page.
2. Select your account.
3. Choose “Continue with website?”
4. If needed, read the “Registration” instructions and select “I Agree,” then click “Continue.”
5. Using a digital camera, take a picture of the front and back of the check and download images to your device.
6. Click “Add New Deposit.”
7. Click “Load” to upload the file.
8. Select “Submit.”

To deposit checks with a scanner:

1. Sign in to your Online Banking account to visit the Mobile Deposit page.
2. Select your account.
3. Choose “Continue with website?”
4. If needed, read the “Registration” instructions and select “I Agree,” then click “Continue.”
5. Using a scanner, make scans of the front and back of the check.
6. Click “Add New Deposit.”
7. Click “Load” to upload the file.
8. Select “Submit.”

1. Sign in to the RBFCU Mobile app, and tap “Mobile Deposit” at the bottom of the screen.
2. Select the account where you’d like to deposit the check from the drop-down menu at the top of the screen.
3. Sign your name on the back of the check and add “For mobile deposit only.”
4. Tap the “Front” and “Back” camera icons to take photos of the front and back of the check.
5. Confirm the deposit amount shown in the app matches the amount written on your paper check.
6. Click “Submit” to complete your deposit. The RBFCU Funds Availability Policy applies to all deposits.

To disable MFA, please sign in to your Online Banking account to chat with a Member Service Representative. You can also call us at 210-945-3300 or visit your nearest branch. If you disable MFA, your Online Banking account will revert to the security option — OTP, or security question and answer — you previously had in place.

To download the RBFCU Mobile^® app:

• On an Apple^® device: Click here from your device, or search “RBFCU” on the App Store^®
• On an Android™ device: Click here from your device, or search “RBFCU” on Google Play™

For full app functionality, please ensure your device is running the latest software. The latest operating systems (OS) versions are required for security updates and will provide the best experience while using the RBFCU Mobile app. The minimum supported OS* to use the RBFCU Mobile app are:

• iPhone^® iOS 15 or later
• iPadOS^® 15 or later
• Android OS 8.1 or later

*Some devices may not be supported due to hardware limitations.

To enable a lock screen on your device,

1. Open Settings on your device, and set a passcode, finger-swipe pattern, face or fingerprint that will be used to access your device when it’s locked.
2. Restart your device.
3. When your device restarts, you’ll be prompted to put in your new authentication to unlock it.

If you need further assistance enabling a lock screen on your device, click here for Apple^® instructions and click here for Android™ instructions.

For Apple users:

1. From the Home screen, open the Settings app on your device.
2. Scroll down to the list of apps at the bottom, and choose the RBFCU Mobile app (listed as “RBFCU”).
3. Tap “Notifications.”
4. Toggle “Allow Notifications” to on and set your preferences.

For Android users:

1. From the Home screen, swipe up to access “All Apps.”
2. Find and open the Settings app.
3. Tap “Apps.”
4. Choose the RBFCU Mobile app (listed as “RBFCU”) from the list.
5. Tap “Notifications.”
6. Toggle “Show Notifications” to on and set your preferences.

Please note: Currently the RBFCU Mobile app uses push notifications to alert you regarding sign-in attempts from an unrecognized device, to update you on the status of loan applications, and for activity in the STAR program.

To enroll in Bill Pay:

1. Sign in to your Online Banking account or the RBFCU Mobile app.
2. Select “Move Money.”
3. Select “Pay a Bill.” Bill Pay will open in a new tab.
4. In the “Account Number” field, select the appropriate account.
5. After reading the Terms and Conditions, select the “I agree to the Terms and Conditions” box.
6. Click “Enroll.”

To view processed a Mobile Deposit:

1. Sign in to your Online Banking account to visit the Mobile Deposit page.
2. Select your account.
3. Choose “Continue with website?”
4. On the Mobile Deposit screen, select the “Deposit History” (folder) icon in the upper-right corner.
5. Select the PDF icon to the right of the deposit you wish to review.

For Apple users:

1. Open the Settings app on your device.
2. Tap App Store.
3. Tap the toggle next to “App Update” to turn on automatic updates for all app.

Please note: Enabling automatic updates in the App Store Settings will enable this setting for all apps on your device.

For Android users:

1. Open the Google Play app.
2. At the top right, tap the profile icon.
3. Tap “Manage apps & device.”
4. Tap “Manage” and find the RBFCU Mobile app.
5. Tap on the RBFCU Mobile app’s name to open the app’s “Details” page.
6. On the RBFCU Mobile app’s Details page, tap the three dots in the top right corner.
7. Turn on “Enable auto update.”

Please note: Settings can vary by phone. For more information about your specific device, visit the manufacturer’s website.

RBFCU will only ask you to allow or deny access to an unrecognized device when it attempts to sign in to your Online Banking account via push notification or text message. You should only allow devices to access your Online Banking account if you personally own and use them.

Remember: RBFCU employees will never ask you to provide or verify your username, password, security questions and answers, multifactor authentication (MFA) codes, MFA recovery codes or one-time passcodes (OTP) — not via push notification, not via text message, not ever. Also, an RBFCU employee will never need to sign in to your Online Banking account on your behalf. If someone contacts you claiming to be an RBFCU employee and asks you to approve a sign-in request for them, do not respond.

You can turn Alerts on and off on the Set Alerts page in your Online Banking account.

To manage Alerts in the RBFCU Mobile app:

1. Sign in to the RBFCU Mobile app.
2. Select the profile icon in the upper-right corner.
3. Select “Set Alerts.”
4. Select the type of Alert you’d like to manage from “Account & Loan Alerts,” “Card Alerts” or “Other Alerts.”
5. Choose an account and follow the prompts to set your Alert preferences.

Please note: These settings are for managing optional Alerts only, such as those notifying you of transactions made on your RBFCU accounts by type or amount. Other Alerts, such as those notifying you of a sign-in attempt by an unrecognized device or the opening of a new account in your name, are mandatory security Alerts that cannot be disabled.

With the RBFCU Mobile app, your personal finances are easy to manage. Watch this video and learn how to use the app’s basic features:

To open a new checking account:

1. Sign in to the RBFCU Mobile app.
2. On the Account Summary page, tap “New Account” under “Deposit Accounts.”
3. Verify your address, and tap “Let’s Get Started” to follow the self-service directions.

Visit the Paperless Preference page in your Online Banking account to enroll in electronic statements and documents.

To enroll via the RBFCU Mobile app:

1. Sign in to the RBFCU Mobile app.
2. Tap the + button at the bottom of the screen to view your options.
3. Tap the “View Services” icon.
4. Tap “Paperless Preference.”
5. Check the boxes to agree to the Paperless Preference Agreement and consent to receive electronic documents.
6. Tap the toggle to switch it from “Disabled” to “Enabled.”

To enroll via text message, text PAPERLESS to 968772.

An Online Banking account is required to sign up for Paperless Statements and Documents.

Federal regulation requires certain financial documents to be provided to members by mail, regardless of Paperless Preference opt-in status.

You can help improve the accuracy of Brooke AI Assistant’s responses by selecting the thumbs-up or thumbs-down icon under each chat message.

To rate the RBFCU Mobile app:

• Go to the RBFCU Mobile app listing on the Apple^® App Store^® or Google Play™ on your phone.
• Look for “Ratings and Reviews.”
• Choose a star rating and follow the prompts to provide any feedback.

If you’re having an issue with the RBFCU Mobile app, the RBFCU Mobile app Troubleshooting page at rbfcu.org/troubleshootapp may be able to help. It offers solutions to common challenges members experience with signing in, biometric usage, usernames, passwords and more.

Visit the My Devices page in your Online Banking account to remove a trusted device.

To remove a trusted device in the RBFCU Mobile app:

1. Sign in to the app.
2. Select the profile icon in the upper-right corner.
3. Select “Profile Settings.”
4. Select “Security Center.”
5. Select “My Devices.”
6. Select “Deactivate” under the device you want to remove, and follow the prompts.

You may also deactivate a device from the device’s History page.

To turn on face and fingerprint (biometric) options on your device, open the “Settings” app, and follow the instructions provided with your device. To enable biometrics options, you’ll also need to set up a passcode lock, if you haven’t already. For additional help enabling biometrics, choose your option/device below:

• Apple^® Touch ID^® instructions
• Apple^® Face ID^® instructions
• Android™ lock screen instructions

After you’ve enabled biometrics:

1. Open the RBFCU Mobile app^®.
2. Enter your username and password.
3. Enable “Remember Me” by tapping the toggle switch under the “Password” field.
4. Tap the “Sign In” button.

Once you enable Remember Me within the app, you will be prompted to sign in with your username and password at least once to verify. Your username and password will be captured, and you can sign in using a biometric option starting next time you sign in.

To enable MFA for your account, sign in to your Online Banking account and visit the Multifactor Authentication page, or sign in to the RBFCU Mobile app.

1. After you sign in, select the profile icon
2. Select “Profile Settings”
3. Select “Security Center”
4. Select “Multifactor Authentication (MFA)”
5. Under the “Authenticator App” section, select “Set Up Multifactor Authentication”
6. You will be prompted for an OTP via text message or phone call to verify your identity. Select an option, then enter the code
7. If you haven’t downloaded an authenticator app, you’ll be prompted to choose between Microsoft Authenticator and Google Authenticator. If you’ve already downloaded an authenticator app, select “Next” to skip this step
8. On your device, add a new account in your authenticator app
9. Then, scan the provided QR code or copy the 32-digit written code from your Online Banking account to verify your account in the authenticator app
10. Enter the 6-digit code generated by the authenticator app in Online Banking, select “Enroll” to complete the setup and finally select “Submit”
11. You’re done! You’ll receive a text message and/or email Alert to confirm your enrollment. On the success screen, you’ll be given a 16-digit recovery code. Save this code in a secure location so you’ll still be able to sign in to your Online Banking account in the event you lose access to the authenticator app — for example, if your device is lost, damaged or stolen

After enabling MFA, you can choose to be prompted for a 6-digit MFA code every time you sign in to your Online Banking account. This is optional — but highly recommended — since MFA greatly strengthens your account’s security. To manage this option, visit the MFA page in your Online Banking account.

Remember: RBFCU and RBFCU employees will never initiate a phone call, email or text message asking you to provide your authenticator code or recovery code. Do not provide these codes to anyone.

When scheduling payments, you will be presented with two dates: the payment send date (the date you wish the payment to be sent), and the estimated delivery date (the date your payee is expected to receive payment). The estimated delivery date displayed is dependent upon the send date you select, and the method by which the payee receives payments — by check or electronically.

Sign-in Alerts are a security feature that’s automatically included with Online Banking. No action is required on your part to enable sign-in Alerts.

However, there are some settings you can review to ensure RBFCU is able to deliver sign-in Alerts to you:

• Update the RBFCU Mobile app to the latest version: Visit rbfcu.org/update from your device to go to your app store. If you see an “Update” button, tap it to install the latest version of the app.
• Turn on push notifications for the RBFCU Mobile app on your device:
  • For Apple users:
    1. From the Home screen, open the Settings app on your device.
    2. Scroll down to the list of apps at the bottom, and choose the RBFCU Mobile app (listed as “RBFCU”).
    3. Tap “Notifications.”
    4. Toggle “Allow Notifications” to on and set your preferences.
  • For Android users:
    1. From the Home screen, swipe up to access “All Apps.”
    2. Find and open the Settings app.
    3. Tap “Apps.”
    4. Choose the RBFCU Mobile app (listed as “RBFCU”) from the list.
    5. Tap “Notifications.”
    6. Toggle “Show Notifications” to on and set your preferences.
• Opt-in to text messages: You may have opted out of text messages from RBFCU at some point. To opt in to RBFCU text messages, text START to 968772 and 839872. You’ll receive a confirmation letting you know you’ve successfully subscribed to RBFCU text messages.
• Verify we have your current mobile phone number: You can do this in your Online Banking account or in the RBFCU Mobile app:
  1. Sign in and select the “My Profile” icon in the top-right corner.
  2. Select “Profile Settings.”
  3. Select “Contact Settings,” and follow the prompts to update your email address, phone number or mailing address.

Watch this video to learn how to make transfers between your accounts using our Move Money feature:

If you've enabled Quick Balance in the RBFCU Mobile app, but no longer wish to use it, you can disable it any time:

1. Open the RBFCU Mobile app and, before you sign in, look for “Quick Balance” at the bottom of the sign-in screen.
2. Tap “Quick Balance” to bring up the feature. Tap the “Settings” (gear) icon on the right to open the Settings on your phone.
3. In the RBFCU Mobile app settings, turn the toggle switch next to “Quick Balance” to the “off” position.

You can also disable the Quick Balance option by going directly to your phone’s Settings, and updating the settings for the RBFCU Mobile app.

Please note: Anyone who uses your mobile device will be able to see your account balances when Quick Balance is enabled.

The Remember Me option works in two distinct ways, based on your mobile device’s capabilities. To use the feature:

1. Open the RBFCU Mobile app and enter your username and password.
2. Before you tap the “Sign In” button, toggle the “Remember Me” button under the password field to "on."

If your device has both face/fingerprint (biometric) and passcode locks, enabling Remember Me will store your username and password, and allow you to use biometric options or your passcode when signing in.

If your device has a passcode lock only, and is not compatible with biometrics, enabling Remember Me will only store your username. You will still have to enter your password each time you sign in.

Once you enable Remember Me within the app, you will be prompted to sign in with your username and password at least once to verify. Your credentials will be captured, and you can sign in using a biometric option or password next time you sign in.

Remember Me option in RBFCU Mobile app:

Biometric options on Android device:

Apple device with Touch ID:

Apple device with Face ID:

Click here for instructions on how to update Chrome on your Apple device.

Click here for instructions on how to update Chrome on your Android device.

You can update your contact information in your Online Banking account or in the RBFCU Mobile app:

1. Sign in and select the “My Profile” icon in the top-right corner.
2. Select “Profile Settings.”
3. Select “Contact Settings,” and follow the prompts to update your email address, phone number or mailing address.

To update the RBFCU Mobile^® app to the latest version:

1. Go to the RBFCU Mobile app listing on the Apple^® App Store^® or Google Play™ on your phone.
2. If you see an “Update” button, your app needs to be updated to the latest version.
3. Tap the button to update.

For full app functionality, please ensure your device is running the latest software. The latest operating systems (OS) versions are required for security updates and will provide the best experience while using the RBFCU Mobile app. The minimum supported OS* to use the RBFCU Mobile app are:

• iPhone^® iOS 15 or later
• iPadOS^® 15 or later
• Android™ OS 8.1 or later

*Some devices may not be supported due to hardware limitations.

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

To verify which operating system (OS) version is running on your mobile device:

For iPhone^® or iPad^®, open the “Settings” app, tap “General” and select “About.” Look for “Software Version” to see the iOS version your device is using.

For Android™, open the “Settings” app, then select “About Phone” or “About Device.” Tap “Software information” to see the OS list for “Android Version.”

To view your account statements and documents in the RBFCU Mobile app:

1. Sign in to the RBFCU Mobile app.
2. Tap the account for the statement or document you’d like to view.
3. After your Account Activity loads, tap the + button at the bottom of the screen to view your account options.
4. Tap “Statements & Tax Docs” to see your current and previous statements for the account.

To opt in to Paperless Preference:

1. Sign in to the RBFCU Mobile app.
2. Tap the + button at the bottom of the screen to view your options.
3. Tap the “View Services” icon.
4. Tap “Paperless Preference.”
5. Check the boxes to agree to the Paperless Preference Agreement and consent to receive electronic documents.
6. Tap the toggle to switch it from “Disabled” to “Enabled.”

To enroll via text message, text PAPERLESS to 968772.

An Online Banking account is required to sign up for Paperless Statements and Documents.

Federal regulation requires certain financial documents to be provided to members by mail, regardless of Paperless Preference opt-in status.

You can access historical eBills directly from the biller’s site.

Brooke reviews available information from RBFCU’s website, products and services content, and documents to find the best answer based on your question or topic.

Brooke AI Assistant uses AI technology to understand your questions and provide relevant information from RBFCU’s content. Since AI is a new and expanding technology, answers produced may not be accurate and the generated content is non-binding. RBFCU will continue working to make the experience better by using your feedback to improve answers over time.

Please note: Abusive behaviors and jailbreaking attempts may result in your RBFCU membership and/or RBFCU Online Banking access being revoked.

To use MFA, you’ll need to download an authenticator app to your device. After you set up the authenticator app and enable MFA in your Online Banking account, RBFCU will use MFA to verify high-risk sign-in attempts. For example, if you get a new phone, RBFCU will prompt you to provide your MFA code the first time you try to sign in to your Online Banking account, just to make sure it’s really you. Asking for MFA in these situations lets RBFCU verify your identity, and gives us another line of defense in protecting your account from fraudsters.

You’ll also have the option to use MFA every time you sign in to your Online Banking account, which greatly strengthens your account’s security.

If you’re currently receiving an OTP code or answering a security question every time you sign in to your Online Banking account, enabling MFA will replace these sign-in options.

Deposit history is maintained for 18 months. For deposit history more than 18 months old, start a chat in your Online Banking account to request the information you need or contact the Member Service Center.

You only need to accept the first incoming transfer to acknowledge the funds will be received to the default account. You then have two days to accept the transfer before the request will expire. After the first text is replied to, the member will receive text Alerts notifying them of the transfer but will not have to perform any action to receive the funds.

We recommend scheduling your payments to be made at least five (5) business days prior to the actual payment due date on the bill. Scheduling your payments in advance of the due date allows enough time for the biller to receive the payment and credit your account.

Up to 999 checks can be included in one deposit and multiple deposits can be submitted as long as the accumulated dollar amount of the deposit(s) does not exceed the daily deposit limit.

You can make unlimited transfers from your savings or checking account each month. However, only six transfers per month can be made from your Money Market account.

An expedited check payment will be sent via 2-Business Day Delivery. There is a fee of $24.95 for this service, and it will be deducted from the payment method you selected.

The deposit limit is $10,000. If you need to request a temporary limit increase, please contact our Member Service Center at 210-945-3300.

If you responded ALLOW to a sign-in attempt when you meant to DENY and you’re still able to access your Online Banking account, report the unauthorized access to RBFCU and take the following steps:

1. Sign in and check your account for any changes or transactions that you did not authorize — for example, changes to your email address or other contact information, or fraudulent transfers
• To check your contact information: Select the profile icon, then “Profile Settings,” then “Contact Settings.” Be sure to update any incorrect or outdated information
2. Next, deactivate the device in your My Devices list to remove its access to your account.
   • To deactivate a device: Select the profile icon, then “Profile Settings,” then “Security Center,” then “My Devices.” Select “Deactivate” under the device you want to remove
3. Next, change your password to a strong, unique password. Get tips on creating a strong password here
   • To change your password: Select the profile icon, then “Profile Settings,” then “Security Center”
4. Consider changing your username, since it’s likely it has also been compromised
   • To change your username: Select the profile icon, then “Profile Settings,” then “Security Center”
5. Enable multifactor authentication (MFA) for your account. Get directions for setting up MFA here

If you’re unable to access your Online Banking account, try the self-service options to reset your username and/or password. If you're still unable to regain access to your account, contact RBFCU at 210-945-3300 or visit your nearest branch for assistance.

Additionally, you should monitor your accounts regularly and report any suspicious transactions.

If you responded DENY to a legitimate sign-in attempt, simply sign in again. You’ll receive another sign-in Alert and can respond ALLOW instead.

If you’re trying to access your Online Banking account from the RBFCU Mobile app and you didn’t receive an Alert to approve the sign-in attempt, please review the following settings:

• Update the RBFCU Mobile app to the latest version: Visit rbfcu.org/update from your device to go to your app store. If you see an “Update” button, tap it to install the latest version of the app.
• Turn on push notifications for the RBFCU Mobile app on your device:
  • For Apple users:
    1. From the Home screen, open the Settings app on your device.
    2. Scroll down to the list of apps at the bottom, and choose the RBFCU Mobile app (listed as “RBFCU”).
    3. Tap “Notifications.”
    4. Toggle “Allow Notifications” to on and set your preferences.
  • For Android users:
    1. From the Home screen, swipe up to access “All Apps.”
    2. Find and open the Settings app.
    3. Tap “Apps.”
    4. Choose the RBFCU Mobile app (listed as “RBFCU”) from the list.
    5. Tap “Notifications.”
    6. Toggle “Show Notifications” to on and set your preferences.
• Opt-in to text messages: You may have opted out of text messages from RBFCU at some point. To opt in to RBFCU text messages, text START to 968772 and 839872. You’ll receive a confirmation letting you know you’ve successfully subscribed to RBFCU text messages.

If you need further assistance, please contact the Member Service Center.

If you haven’t signed in to your Online Banking account through the RBFCU Mobile app in some time, or you’ve recently uninstalled and reinstalled the app, your device may not be recognized. Simply respond ALLOW to the sign-in Alert and your device will be recognized the next time you sign in to your account.

Please check to ensure the transfer details were entered correctly. If you’re still unable to complete the transfer, please contact a Member Service Representative through chat in your Online Banking account or call 210-945-3300.

Ensure you have properly endorsed the check. If not, delete the back image of the check, endorse the item and rescan. If you have the proper endorsement on the check, it is possible your device is not detecting the whole check. You can try adjusting the light or drawing dots on each corner of the check.

Some Android devices have both fingerprint and face sign-in options and require users to enable both for biometric sign-in to work. If your device offers both options, please close the RBFCU Mobile app, make sure both are set up properly in your device's “Settings,” open the RBFCU Mobile app and try enabling biometric sign-in again.

On certain devices, the OS settings may not save the credentials when using Iris. It is recommended that you try using another biometric option, such as face or fingerprint sign-in if you wish to save your credentials.

Text messages from RBFCU to verify sign-in attempts are sent from a shortcode, or a shortened phone number. However, please be aware that fraudsters can imitate legitimate phone numbers, including shortcodes.

RBFCU will only ask you to respond with ALLOW or DENY to a text message asking you to verify a sign-in attempt for your Online Banking account. We will never ask you to provide or verify your sign-in credentials, including your username, password, security questions and answers, multifactor authentication (MFA) codes, MFA recovery codes or one-time passcodes (OTP). Also, RBFCU will not sign in to your Online Banking account on your behalf, so we will never ask you to approve a sign-in request for us.

If the company or person you want to pay does not accept electronic payments, Bill Pay will print a check and mail it for you. This process typically takes up to seven (7) business days.

If a payment is late, we recommend calling the biller’s customer service department and asking to have the late fee or finance charge waived.

Go to your phone settings > Privacy > Contacts and turn off the contacts for the RBFCU Mobile app.

Visit the My Devices page in your Online Banking account to remove a trusted device.

To remove a trusted device in the RBFCU Mobile app:

1. Sign in to the app.
2. Select the profile icon in the upper-right corner.
3. Select “Profile Settings.”
4. Select “Security Center.”
5. Select “My Devices.”
6. Select “Deactivate” under the device you want to remove, and follow the prompts.

You may also deactivate a device from the device’s History page.

If you need additional assistance, contact the Member Service Center at 210-945-3300.

No. If you’ve enabled “Remember Me” to use biometrics to sign in to the RBFCU Mobile app, you do not need to enter your password each time you sign in. To use this feature, you must enable biometrics on your device.

If you believe your device or Samsung Pay information has been lost, stolen or compromised in any way, call RBFCU Member Services immediately at the number on the back of your card.

No. RBFCU will recognize devices you’ve been actively using for Online Banking. You won’t be asked to verify a device you’ve been using for Online Banking.

However, if you’ve recently uninstalled and reinstalled the RBFCU Mobile app or cleared the browser cache on your device, your device may not be recognized and you may be asked to verify your next sign-in attempt.

There is no charge from RBFCU to use Apple Pay. However, message and data rates may apply from your wireless provider, depending on your data plan.

Apple Pay provides a more private way to pay. By using Apple Pay technology, you obscure your card number when you make a payment. Apple Pay doesn’t store your credit or debit card number on the device, so your information (including name, card number and security code) are not passed to the merchant where you make your purchase.

However, you still have the benefit of the guarantees related to your RBFCU cards, including Courtesy Pay (debit) and fraud monitoring.

RBFCU does not charge a fee for members to use Samsung Pay; however, message and data rates may apply from your wireless provider, depending on your data plan.

Samsung Pay provides a more private way to pay. By using Samsung Pay technology, you obscure your card number when you make a payment. Samsung Pay doesn't store your card number on the device or on Samsung servers, or share your information with the merchant when you make a purchase.

No. RBFCU Bill Pay is a free service.

No.

There is no limit on the amount you can transfer to other RBFCU account holders, as long as you stay within your available balance.

Yes. If you misplaced your recovery code but still have access to your authenticator app, you can get a new recovery code by visiting the Multifactor Authentication page in your Online Banking account or the RBFCU Mobile app, and repeating the MFA setup.

If you misplaced your recovery code and don’t have access to your authenticator app — for example, if your device is lost, damaged or stolen — call the Member Service Center at 210-945-3300 or visit your nearest branch to regain access to your Online Banking account.

Remember: RBFCU and RBFCU employees will never initiate a phone call, email or text message asking you to provide your authenticator code or recovery code. Do not provide these codes to anyone.

If you believe your device or Apple Pay information has been lost, stolen or compromised in any way, call RBFCU Member Services immediately at the number on the back of your card.

For iPhone or iPad, you can go to the Find My iPhone app to temporarily suspend or permanently remove the ability to make payments from your device, even if your device is offline. If you suspend your card(s) using Find My iPhone, you can reactivate your Card(s) simply by unlocking your device and entering your Apple ID “Passcode” when prompted. For any supported Apple device, you can always go to icloud.com/#settings, choose the applicable device and delete your Card(s).

The time stamp on the deposits is in Eastern Standard Time. Your computer or device will reflect the time zone where you reside.

If you regularly transfer money to another RBFCU account, you can designate that account as one of your Favorites by giving it a “Nickname” and saving it for later. Favorites appear in the “To” drop-down for easy selection next time you make a transfer.

Visit the Send Money to Someone Else page in your Online Banking account to set up a Favorite.

To set up a Favorite in the RBFCU Mobile app:

1. Sign in to the RBFCU Mobile app.
2. Tap “Move Money” in the bottom menu.
3. Select “Transfer/Send Money,” then “Send Money to Someone Else.”
4. Choose the “Account” option.
5. Select “Add Other Account” and enter the account details.
6. Check the “Add to Favorites” box to save it as a Favorite.

Micro-deposits are small sums of money ($0.01-$0.99) that are transferred online from one financial account to another. The purpose of the micro-deposits is to verify the receiving account. Plaid sends two micro-deposits and verifies the deposited amounts within 1-2 business days. After verification is completed, the funds are automatically recovered. When verification is not completed, the micro-deposit auto-expires and the funds are automatically recovered.

The minimum supported environments include:

• Microsoft Edge (latest version)
• Firefox (latest version)
• Chrome (latest version) 
• Safari (latest version)
• High Speed Internet Connection

RBFCU supports Microsoft^® Authenticator and Google Authenticator™; choose the app you prefer.

iPhone Users: Download Microsoft Authenticator | Download Google Authenticator

Android Users: Download Microsoft Authenticator | Download Google Authenticator

If you’re already using one of these apps for another account, you’ll be able to add your RBFCU account to the existing app.

RBFCU collects data in accordance with our Privacy Policy, and uses the data to evaluate and improve the Brooke AI tool. Your personal data is private and secure. Personal data is not used to train any AI models.

Members can enjoy the convenience of Mobile Deposit without incurring a fee from the credit union.

Convenience transfers — those made via your Online Banking account, the RBFCU Mobile app or over the phone — from a Money Market account are limited to six per month. After the sixth transfer, you may make additional transfers in person at a local branch.

Please contact a Member Service Representative through chat in your Online Banking account or call 210-945-3300.

RBFCU and RBFCU employees will never initiate a phone call, email or text message to anyone — members or non-members — asking for your sign-in information, including usernames, passwords, security questions and answers, multifactor authentication (MFA) codes, MFA recovery codes and one-time passcodes (OTP), or other personal information, like account, credit card, debit card or Social Security numbers. This includes codes generated for your RBFCU Online Banking account by an authenticator app, and your MFA recovery code. Never provide these codes to anyone, and keep your recovery code in a secure location you’re able to access if your device is lost, damaged or stolen.

A lock screen is a passcode, finger-swipe pattern, face or fingerprint used to access your phone when the screen goes into a dark or locked state.

A trusted device is an electronic device you frequently use (e.g., your mobile phone, tablet or home computer). It is a device we know is yours and that we used to verify your identity using Multifactor Authentication (MFA).

Visit the My Devices page in your Online Banking account to view your trusted devices and their recent sign-in history.

To view your trusted devices in the RBFCU Mobile app:

1. Sign in to the app.
2. Select the profile icon in the upper-right corner.
3. Select “Profile Settings.”
4. Select “Security Center.”
5. Select “My Devices” to see a list of devices with access to your account.

Multifactor authentication, or MFA, means providing two or more pieces of information in order to sign in to an account. You may also see this called two-factor authentication, or 2FA, when only two pieces of information are required. In most cases, this means you’ll need a one-time passcode (OTP) when you sign in, as well as the account password you’ve chosen. The code is sent to you via text message, email or phone call, or provided to you by another app, and typically expires after 30 seconds.

Combining a strong password with an OTP means it’s far more difficult for a fraudster to gain unauthorized access to your account with just your password, making MFA a highly recommended form of account security available for consumers.

Learn more about how MFA works and why you should use it from the Cybersecurity & Infrastructure Security Agency (CISA).

Plaid is a service that helps securely establish a connection between your RBFCU accounts and your external accounts at other financial institutions.

Quick Balance is a feature that allows you to see limited information about your account — like your account’s nickname and current balance — at a glance on the RBFCU Mobile app sign-in page, without signing in to the app.

However, you must sign in to the RBFCU Mobile app at least once to activate Quick Balance.

To enable the Quick Balance option in the RBFCU Mobile app:

1. Open the RBFCU Mobile app and, before you sign in, look for “Quick Balance” at the bottom of the sign-in screen.
2. Tap “Quick Balance” to bring up the feature. Tap the “Settings” (gear) icon on the right to open the Settings on your phone.
3. In the RBFCU Mobile app settings, turn the toggle switch next to “Quick Balance” to the “on” position.

You can also enable the Quick Balance option by going directly to your phone’s Settings, and updating the settings for the RBFCU Mobile app.

Please note: Anyone who uses your mobile device will be able to see your account balances when Quick Balance is enabled.

The latest operating systems (OS) versions are required for security updates and will provide the best experience while using the RBFCU Mobile^® app. The minimum supported OS* to use the RBFCU Mobile app are:

• iPhone^® iOS 15 or later
• iPadOS^® 15 or later
• Android™ OS 8.1 or later

Older devices that are unable to run the latest OS versions may not receive the OS security updates needed to run the RBFCU Mobile app. If you have an older device or you choose to use an older OS version on your device, you may not be able to access or use all the features available in the RBFCU Mobile app.

*Some devices may not be supported due to hardware limitations.

RBFCU also offers the following options when signing in to your Online Banking account on rbfcu.org or the RBFCU Mobile app:

• One-time passcode (OTP) by call or text
• Security question and answer

You can enable these options to prompt every time you sign in to your account.

To enable OTP for your account, sign in to your Online Banking account and visit the Multifactor Authentication page.

To enable OTP in the RBFCU Mobile app:

1. Sign in to the app.
2. Select the profile icon in the upper-right corner.
3. Select “Profile Settings.”
4. Select “Security Center.”
5. Select “One-Time Passcode.”
6. Turn the toggle switch next to “Enabled” to the “on” position.

Note: You must add a valid phone number or mobile number to your Online Banking account to use OTP.

To update your security question and answer, sign in to your Online Banking account and visit the Security Questions and Answers page.

To update in the RBFCU Mobile app:

1. Sign in to the app.
2. Select the profile icon in the upper-right corner.
3. Select “Profile Settings.”
4. Select “Security Center.”
5. Select “Security Questions and Answers.”
6. Follow the prompts to add or update your question and answer.

If you lose access to the authenticator app — for example, if your device is lost, damaged or stolen — you can enter your recovery code to gain access to your account. You’ll then be able to repeat the MFA setup process on your device and you’ll receive a new recovery code.

If you’ve lost your recovery code, call the Member Service Center at 210-945-3300 or visit your nearest branch to regain access to your Online Banking account.

Visit the “How to Report Fraud to RBFCU” page for instructions on reporting suspicious transactions, including:

• How to dispute debit card, credit card, checking, savings and Money Market transactions
• How to stop payment on a check
• How to report fraud involving your debit card
• How to dispute a credit card transaction

If you receive a sign-in Alert and you’re not trying to sign in to your Online Banking account, respond DENY to prevent the unrecognized device from accessing to your accounts. We strongly recommend you change your password if you deny a sign-in attempt. Visit the Password Settings page in your Online Banking account to change it. To change your password in the RBFCU Mobile app:

1. Sign in to the app.
2. Select the profile icon in the upper-right corner.
3. Select “Profile Settings.”
4. Select “Security Center.”
5. Select “Password” and follow the prompts to change it.

You can find tips for creating a strong password here.

We also recommend reviewing your account’s trusted devices in the Online Banking Security Center, and removing any devices that should not have access to your account. To review your trusted devices in the RBFCU Mobile app:

1. Sign in to the app.
2. Select the profile icon in the upper-right corner.
3. Select “Profile Settings.”
4. Select “Security Center.”
5. Select “My Devices.”
6. Select “Deactivate” under the device you want to remove, and follow the prompts.

If you’re not already using multifactor authentication (MFA), consider enabling it for your Online Banking account. MFA makes it far more difficult for a fraudster to gain unauthorized access if they obtain your password. Get directions for setting up MFA here.

You should also consider changing your username, since it has also been compromised. Visit the Username Settings page in your Online Banking account to change it. To change your username in the RBFCU Mobile app:

1. Sign in to the app.
2. Select the profile icon in the upper-right corner.
3. Select “Profile Settings.”
4. Select “Security Center.”
5. Select “Username” and follow the prompts to change it.

If you see suspicious activity in your account that you didn’t authorize — such as notification that your password was changed or your contact information was updated — your Online Banking account may have been compromised. You should immediately contact RBFCU at 210-945-3300 for assistance.

If you’re still able to access your Online Banking account, report the unauthorized access to RBFCU and take the following steps:

1. Sign in and check your account for any changes or transactions that you did not authorize — for example, changes to your email address or other contact information, or fraudulent transfers
   • To check your contact information: Select the profile icon, then Profile Settings, then Contact Settings. Be sure to update any incorrect or outdated information
2. Next, remove any devices with access to your account that you don’t recognize
   • To deactivate a device: Select the profile icon, then “Profile Settings,” then “Security Center,” then “My Devices.” Select “Deactivate” under the device you want to remove
3. Next, change your password to a strong, unique password. Get tips on creating a strong password here
   • To change your password: Select the profile icon, then Profile Settings, then Security Center
4. Consider changing your username, since it’s likely it has also been compromised
   • To change your username: Select the profile icon, then Profile Settings, then Security Center
5. Enable multifactor authentication (MFA) for your account. Get directions for setting up MFA here

If you’re unable to access your Online Banking account, try the self-service options to reset your username and/or password. If you’re still unable to regain access to your account, contact RBFCU at 210-945-3300 or visit your nearest branch for assistance.

Additionally, you should monitor your accounts regularly and report any suspicious transactions.

Store your check(s) in a safe place until you receive confirmation via the deposit history in your Online Banking account that your deposit has been accepted, and then destroy the check by shredding or another commercially acceptable means of data destruction.

You can complete a Mobile Deposit to any checking, savings or Money Market account.

Check payments will be mailed to your payee on the send date and the payment will be deducted from your account when the payee cashes or deposits the check.

Mobile Deposits submitted between 7 a.m. and 7 p.m. Monday through Friday, and from 8:30 a.m. until 4:15 p.m. on Saturday (Central Time) on days the credit union is open should be credited on the same business day. Deposits scanned after those times should be credited on the next business day.

There could be times that the program may flag a deposit for manual review and release by credit union personnel (i.e., image is not clear when received at the credit union). If this happens, you will see the deposit on the Deposit History page (folder icon) in your Online Banking account as “Submitted Deposit” and you will not see the deposit reflected in your account until credit union personnel have an opportunity to review and release the deposit. The manual review process should happen the same business day, or the next business day at the latest.

Electronic payments will be deducted from your account on the send date. Funds must be available on the send date for the payment to be sent.

All transfers will occur on the day for which they are scheduled, even on weekends or holidays. Automated Clearing House (ACH) transactions will only occur on weekdays (Monday through Friday), except for holidays.

1. Select the “Move Money” menu in Online Banking or the RBFCU Mobile app.
2. Select “Make a Payment.”
3. Select the external account you wish to verify in the “From” drop-down menu, and then select “Verify Account.”
4. You will be taken to Plaid where you can enter the micro-deposit amounts.
5. After successfully verifying your external account, you’ll be able to use that account to “Make a Payment” to your RBFCU loan or credit card.

Visit the Send Money to Someone Else page in your Online Banking account to see the accounts in your Favorites list.

To see the accounts in your Favorites list in the RBFCU Mobile app:

1. Sign in to the RBFCU Mobile app.
2. Tap “Move Money” in the bottom menu.
3. Select “Transfer/Send Money,” then “Send Money to Someone Else.”
4. Choose the “Account” option. Your Favorites will be listed in the “To” drop-down for easy access when setting up a transfer.

To check if you are eligible for Mobile Deposit, sign in to your Online Banking account. On the Account Summary page, click on the “I Want To...” drop-down menu (three vertical dots to the right of your account’s name). Members who meet the requirements will see “Mobile Deposit” listed.

As specified by Automated Clearing House (ACH) rules, RBFCU must confirm the account to be debited is valid. We have chosen to utilize Plaid to make this confirmation on RBFCU’s behalf.

If you’re receiving a “connectivity down” error message, there may be an issue connecting to the other financial institution. Please select the “Link with account number” option, where you can enter your external account information to manually link the account with the micro-deposits.

The information for your external account entered into RBFCU’s Online Banking or mobile app is either incorrect or does not match your other financial institution’s routing number and/or account number. Please verify that you’ve entered your external account details correctly.

You may have push notifications for the RBFCU Mobile app disabled on your device. Follow the directions below to enable push notifications from the RBFCU app.

For Apple users:

1. From the Home screen, open the Settings app on your device.
2. Scroll down to the list of apps at the bottom, and choose the RBFCU Mobile app (listed as “RBFCU”).
3. Tap “Notifications.”
4. Toggle “Allow Notifications” to on and set your preferences.

For Android users:

1. From the Home screen, swipe up to access “All Apps.”
2. Find and open the Settings app.
3. Tap “Apps.”
4. Choose the RBFCU Mobile app (listed as “RBFCU”) from the list.
5. Tap “Notifications.”
6. Toggle “Show Notifications” to on and set your preferences.

Please note: Currently the RBFCU Mobile app uses push notifications to alert you regarding sign-in attempts from an unrecognized device, to update you on the status of loan applications, and for activity in the STAR program.

You may have opted out of text messages from RBFCU at some point. To opt in to RBFCU text messages, text START to 968772 and 839872. You’ll receive a confirmation letting you know you’ve successfully subscribed to RBFCU text messages.

Repeated password reset requests may display when trying to sign into your Online Banking profile if:

• Auto-filled passwords: Your internet browser is auto-filling an invalid or incorrect password.
• Bookmarks or favorites: Accessing the RBFCU website from an outdated bookmark or saved favorites link.
• Credential stuffing: Credential stuffing occurs when fraudsters attempt to sign in with random usernames and passwords in hopes they gain access to an account. In the case of credential stuffing, changing your username to a combination of letters, numbers and uncommon phrases is beneficial.
• Third-party websites or apps: If you’ve linked your RBFCU account to another website or app — for example, a personal finance or money transfer app — and recently changed your RBFCU Online Banking credentials, you'll need to update your information within that website or app.

Default accounts are picked based on the member’s most used account, but members can select a new default account at any time.

Visit the Account Settings page in your Online Banking account, and toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.

To change your default account on the RBFCU Mobile app:

1. Sign in to the RBFCU Mobile app.
2. Select the profile icon in the top right corner of the screen.
3. Select “Profile Settings.”
4. Select “Update” under “Account Settings.”
5. Toggle the “Receive funds from other RBFCU members” option to on (green) for your preferred default account.

If you accept funds from a sender before making this change, you can perform a transfer by visiting “Transfer Money to Myself or Joint” in Move Money in Online Banking, or by tapping “Move Money,” then “Transfer/Send Money,” then “Send Money to Myself or Joint” in the RBFCU Mobile app.

Sign-in Alerts are only sent if an unrecognized device is trying to access your Online Banking account. If you believe you should have received a sign-in Alert and didn’t, please review the following settings:

• Update the RBFCU Mobile app to the latest version: Visit rbfcu.org/update from your device to go to your app store. If you see an “Update” button, tap it to install the latest version of the app.
• Turn on push notifications for the RBFCU Mobile app on your device:
  • For Apple users:
    1. From the Home screen, open the Settings app on your device.
    2. Scroll down to the list of apps at the bottom, and choose the RBFCU Mobile app (listed as “RBFCU”).
    3. Tap “Notifications.”
    4. Toggle “Allow Notifications” to on and set your preferences.
  • For Android users:
    1. From the Home screen, swipe up to access “All Apps.”
    2. Find and open the Settings app.
    3. Tap “Apps.”
    4. Choose the RBFCU Mobile app (listed as “RBFCU”) from the list.
    5. Tap “Notifications.”
    6. Toggle “Show Notifications” to on and set your preferences.
• Opt-in to text messages: You may have opted out of text messages from RBFCU at some point. To opt in to RBFCU text messages, text START to 968772 and 839872. You’ll receive a confirmation letting you know you’ve successfully subscribed to RBFCU text messages.
• Verify we have your current mobile phone number: You can do this in your Online Banking account or in the RBFCU Mobile app:
  1. Sign in and select the “My Profile” icon in the top-right corner.
  2. Select “Profile Settings.”
  3. Select “Contact Settings,” and follow the prompts to update your email address, phone number or mailing address.

If you need further assistance, please contact the Member Service Center.

An authenticator app is required to use MFA. Having a second, separate app to provide the temporary, machine-generated code to sign in is what makes MFA such a strong security feature.

You may have added your external account previously as an RBFCU account and again as an external account. To remove any duplicates:

1. Select the “Move Money” menu in Online Banking or the RBFCU Mobile app.
2. In Online Banking, select “Send Money to Someone Else.” In the RBFCU Mobile app, select “Transfer/Send Money,” then “Send Money to Someone Else.”
3. Choose the “Account” option.
4. Select the “Remove Favorites” link at the bottom of the screen.
5. Choose the Favorite you’d like to delete, then select “Delete” when the option appears.

Chat representatives are available 7 a.m. to 7 p.m. Monday through Friday, and 9 a.m. to 4 p.m. on Saturday. If you receive an error message that says “Chat Unavailable” during this time, please check to make sure you’re using the latest version of the RBFCU Mobile app.

To check, visit rbfcu.org/update from your device. If you see an “Update” button, your app needs to be updated to the latest version.

If you’re still unable to access chat, please visit the Contact Us page for more options.

As part of an ongoing effort to protect your personal and account information, we allow you to designate a trusted device you frequently use to access your account. Designating a trusted device provides an additional layer of security for your information.

To ensure your account remains secure, you will be automatically signed out of the RBFCU Mobile app after 10 minutes of inactivity. To resume access to your account, simply sign in to the app again.

When Brooke AI Assistant says “Sorry I couldn’t be of more help. Please try rephrasing your request, or select an option below.”, this message means that Brooke couldn’t find information matching your question or topic in the data sources to which it has access. Here are some reasons that your question or topic may not have produced an answer:

• It’s too broad or vague for Brooke to understand and provide an answer
• It’s too complex for Brooke to understand and provide an answer
• It’s not related to RBFCU’s products, services or policies
• It’s regarding information that RBFCU does not disclose or provide publicly

If you get this message, please try rephrasing your question or topic with simpler, clearer, different or more specific words. You can also request assistance via chat from an RBFCU representative during business hours.

No. You’ll be asked to verify a sign-in attempt from unrecognized devices only.

For example, if you get a new phone, you’ll get an Alert asking you to ALLOW or DENY the device when you attempt to sign in to your Online Banking account the first time. However, once you allow a device, it will be labeled as recognized and you won’t be asked to verify it again the next time you sign in.

MFA will replace the OTP codes provided via text message or phone call for signing in to your Online Banking account, but you may still be prompted for this type of OTP to complete certain transactions once you’ve signed in.

Adding your RBFCU debit or credit card to Samsung Pay is your choice; you can add and remove cards, as needed.

Adding your credit or debit cards to Apple Pay is your choice. You can add and remove cards as needed.

When you use Apple Pay, your RBFCU card number isn’t stored on your phone or given to the merchant. A unique digital code is created specifically for that device and used as an identifier for your payment, rather than using your card information. You still enjoy all the benefits of your RBFCU credit or debit card, which includes our zero liability policy that protects you from unauthorized purchases.

Samsung Pay incorporates several layers of security. When you add your RBFCU debit or credit card to Samsung Pay, or use it to make a purchase, actual card numbers and other sensitive data are not stored on your device or on Samsung servers, or shared with the merchant. Instead, purchases are authorized using an encrypted security code and the member’s fingerprint.

No. Samsung Pay cannot be used at the ATM or at any payment terminal that requires you to insert your card into the reader (e.g. gas stations, vending machines, etc.).

Yes. Samsung Pay can be used in-app and online. Simply select Samsung Pay at checkout and authenticate the purchase with your fingerprint.

Yes, making payments using mobile payment services like Apple Pay or Samsung Pay will earn the same cash back rewards that a World Cash Back or Business Select Mastercard credit card transaction would normally earn.

Yes. Only cards that have been activated will be successfully added to Apple Pay.

Yes. Only cards that have been activated will be successfully added to Samsung Pay.

You can start using Apple Pay as soon as you add a credit or debit card to the Wallet app on iPhone.

To add a card, go into Settings > Wallet & Apple Pay, and select “Add Credit or Debit Card.” You can also open Wallet and select “Add Credit or Debit Card.” Follow the prompts to add your card.

This card will be your default payment card, but you can go to Wallet anytime and add, then select, a different card. For more information, please visit the Apple support website.

To add your RBFCU debit or credit card, select “Apps” from the Home screen, select “Samsung Pay,” and select “Add Card.” From there, use your camera to enter the card information or type it in manually. This card will be your default payment card, but you can add as many as 10 cards to use in the app.

The credit or debit card associated with your Apple ID account or the first card you add to Wallet is your default card. To change your default card:

1. Go to Settings > Wallet & Apple Pay.
2. Tap Default Card.
3. Choose a new card.

You’ll need an RBFCU debit or credit card and an Apple Pay-enabled device that meets the following criteria:

• An enabled device, such as iPhone 6 or iPhone 6 Plus or later, to pay in stores and within apps; iPad Air 2 or iPad Mini 3 or later to pay within apps; Apple Watch paired with iPhone 5 or later
• iOS 8.1 or later
• Touch ID or passcode on your device
• iCloud account

For instructions on how to set up and use Apple Pay on your iPhone or iPad, please visit support.apple.com/en-us/HT201239

You’ll need an RBFCU debit or credit card and a compatible Samsung Galaxy device that meets the following criteria:

• An enabled device, such as Samsung Galaxy S6, S6 edge, S6 edge+ or Note5
• A Samsung account
• Registered fingerprint or Pay PIN
• Be located in the United States, when adding your RBFCU debit or credit card to Samsung Pay

For instructions on how to set up and use Samsung Pay, please visit: samsung.com/us/samsung-pay

With Samsung Pay, there are two ways to use your device to pay:

• Tap your device at newer contactless payment terminals.
• Swipe your device at traditional magnetic stripe terminals by placing the back of your device next to the payment terminal’s card reader or the same location you would normally swipe your card.

You have two options: You can remove the previous card from your device, then add your new reissued card to Apple Pay. You may also speak with an RBFCU Payment Services Representative, who can manually update your device account number with the new reissued card information.

You have two options: You can remove the previous card from your device, and then add your new reissued card to Samsung Pay. You may also speak with an RBFCU Payment Services Representative, who can manually update your device account number with the new reissued card information.

A digital device account number will be generated by Apple Pay, which is a different number than the number on your RBFCU credit or debit card. Give the merchant the last four digits of the “Device Account Number.” This can be found when you highlight the card, then touch the circled info button (the circled “i” found in the bottom right corner), and then scroll down to the “Device Account Number.” If you provide the last 4 digits of the actual card number, your transaction will be declined.

Apple Pay is a payment technology that allows you to pay for your purchases with your compatible iPhone by holding your phone near an Apple Pay-enabled reader. You can also use your iPad Air and iPad Mini to pay within certain apps.

Samsung Pay is a mobile payment technology that allows you to pay for your purchases with a Samsung Galaxy S8+, Galaxy S8, Galaxy S7 edge, Galaxy S7, Galaxy S6 edge+, Galaxy Note5, Galaxy S6edge, Galaxy S6 active, Galaxy S6, and Gear S3.

More information is available at apple.com/apple-pay

More information is available at samsung.com/us/samsung-pay

Typically, Samsung Pay is accepted anywhere you can tap or swipe your device.

Apple Pay is accepted in grocery stores, boutiques, restaurants, hotels and so many places you already enjoy. For a complete list of participating retailers, visit support.apple.com/en-us/HT208087

Yes, you can qualify your business for membership based on your location, or based on where you (the legal owner), live, worship or attend school. If you are interested in allowing your business and employees to take advantage of credit union membership, you can contact our Business Development Team and request the benefits of credit union membership for your entire organization by becoming a Select Group.

No. RBFCU has more than 5,000 ways to qualify you for membership. To get more information on becoming an RBFCU Select Group, call our Business Development Office at 210-945-3300 , ext. 53827 or email us at membership@rbfcu.org.

As a Select Group (SG), your employees are eligible for free RBFCU membership. We can provide membership packets to your employees and do on-site credit union membership education sessions — free of charge. RBFCU can have a Business Development Representative coordinate membership materials and information sessions for you. To schedule your on-site RBFCU SG membership sessions, call our Business Development Department at 210-945-3300 , ext. 53827 or email membership@rbfcu.org today.

Qualifying your business for membership is an easy process. You can become a Select Group (SG) within five to seven business days. To get more information on becoming an RBFCU SG, call our Business Development Office at 210-945-3300 , ext. 53827 or email us at membership@rbfcu.org.

RBFCU wants to ensure the financial success of all its members and we offer several different financial literacy classes — most free and a few at a nominal cost — to those we serve. Call our Business Development Department at 210-945-3300, ext. 53827 or email us at financialeducation@rbfcu.org for more information. Click here to request a financial education presentation.

When your business is approved as an RBFCU Select Group (SG), you are given a number that identifies you in our records. If you forgot your business’ SG number, call our Business Development Department at 210-945-3300 , ext. 53827 or email us membership@rbfcu.org.

As an RBFCU Select Group (SG), your employees can take advantage of credit union products and services to include on-site presentations and free financial seminars. Qualifying your business for RBFCU membership is a very easy. To learn how to become an RBFCU SG, contact our Business Development Office at 210-945-3300 , ext. 53827 or email us at membership@rbfcu.org.

No, our payroll services are on a month-to-month basis and there are no cancellation fees. Please call us or contact us for more information.

No, our merchant processing is on a month-to-month basis and cancellation fees are not assessed.

No, there is no requirement to purchase this coverage if you are a Texas business, but it can be a valuable part of your protection package.

Yes, our affiliate, RBFCU Insurance Agency LLC offers multiple business insurance products. For more information visit our commercial insurance page.

If a vehicle is used in tasks related to your business, a commercial policy may be necessary.

Yes, RBFCU works with Newtek, a merchant services provider, to offer business payroll services. Learn more about payroll services here.

Yes, RBFCU works with Newtek, a merchant services provider, to offer merchant processing. Read more about merchant processing here.

• Clover Mini: Portable Point-of-Sale Terminal

Each method has different costs. Please contact our Business Services Team at BusinessServices@rbfcu.org for more information.

The cost of payroll services depends on your number of employees and additional services your business needs. Learn more about payroll services here.

We offer retail terminals, mobile terminals, mobile phone attachments, online shopping/ecommerce, and POS system integration. Read more about merchant processing here.

• Clover Mini: Portable Point-of-Sale Terminal

All small businesses such as retail stores, restaurants, and independent contractors typically need a BOP to safeguard against unexpected financial losses beyond general liability claims. BOP protects your small business.

No, our payroll services are on a month-to-month basis and there are no cancellation fees. Please call us or contact us for more information.

Yes, RBFCU works with Newtek, a merchant services provider, to offer business payroll services. Learn more about payroll services here.

The cost of payroll services depends on your number of employees and additional services your business needs. Learn more about payroll services here.

No, our merchant processing is on a month-to-month basis and cancellation fees are not assessed.

Yes, RBFCU works with Newtek, a merchant services provider, to offer merchant processing. Read more about merchant processing here.

• Clover Mini: Portable Point-of-Sale Terminal

Each method has different costs. Please contact our Business Services Team at BusinessServices@rbfcu.org for more information.

We offer retail terminals, mobile terminals, mobile phone attachments, online shopping/ecommerce, and POS system integration. Read more about merchant processing here.

• Clover Mini: Portable Point-of-Sale Terminal