Banking Frequently Asked Questions

Your RBFCU savings account represents your financial share in our organization as a member; that’s why it’s referred to as your “share account.” Because of NCUA Truth in Savings rules, RBFCU cannot describe a share account as a deposit account, but it is similar to a deposit account you would find at a bank.

To determine if you are eligible for Courtesy Pay:

Via computer: Visit the Courtesy Pay page in your Online Banking account and follow the prompts to enroll.

Via the RBFCU Mobile app:

1. Sign in to the RBFCU Mobile app.
2. Select the desired account.
3. Under the Account Number, review the account’s Courtesy Pay status.
4. If you want to activate Courtesy Pay:
   1. Select the “Courtesy Pay” link under your Account Number.
   2. Select your account and Courtesy Pay option.
   3. Read the statement under “What you need to know about Courtesy Pay.”
   4. Select “Submit.”

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.

Checks and debits are presented against your Account by posting transactions according to a processing schedule. For ACH and Electronic Check processing, credit transactions are posted first throughout the day followed by debit transactions, regardless of the dollar amount of the item.

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.

A Daily Fee Cap limit has been set at a maximum of five Courtesy Pay and/or Insufficient Funds Fees that a member can incur per day. If a member has not exhausted their specific Courtesy Pay dollar amount, RBFCU will cover additional charges without issuing a fee.

For more information, read “What You Need to Know About Overdrafts and Overdraft Fees.”

We will charge you a $24 Courtesy Pay Fee each time we pay an overdraft for transactions over $5. For transactions that cause your balance to go into the negative $5 or less, Courtesy Pay fees will be waived. If you do not have Courtesy Pay on your account, we will charge you a $24 Insufficient Funds Fee for each item presented for payment over $5 that we return unpaid.

For more information, read “What You Need to Know About Overdrafts and Overdraft Fees.”

You have 45 days to repay the transaction amount(s) plus fees incurred.

For more information, read “What You Need to Know About Overdrafts and Overdraft Fees.”

There is a maximum limit of five Courtesy Pay and/or Insufficient Funds fees a member can incur per day. However, if intended abuse of the program is identified, Courtesy Pay can be revoked.

For more information, read “What You Need to Know About Overdrafts and Overdraft Fees.”

In your Online Banking account, we offer additional detail regarding each Courtesy Pay transaction, including the balance in your account and the other pending transactions at the time the Courtesy Pay fee was assessed. Please take a moment to review this information for more detail on why a fee was assessed. If you feel a Courtesy Pay fee was incurred in error, please contact us at 210-945-3300.

You can change your Courtesy Pay selections (opt in or opt out) at any time using the following methods:

• Phone: Call our Member Services Center at 210-945-3300
• In-Person: Visit any branch
• Online: Visit the Courtesy Pay page in your Online Banking account to change your options.
• RBFCU Mobile app:
  1. Sign in to the RBFCU Mobile app.
  2. On the Account Summary page, tap the desired account.
  3. Tap the “Courtesy Pay” link under your Account Number.
  4. Select your account and Courtesy Pay option.
  5. Tap “Submit.”

For more information, read “What You Need to Know About Overdrafts and Overdraft Fees.”

You can change your selections (opt in or opt out) using any of the following methods:

• Phone: Call our Member Services Center at 210-945-3300
• In-Person: Visit any branch
• Online: Visit the Courtesy Pay page in your Online Banking account to change your options.
• RBFCU Mobile app:
  1. Sign in to the RBFCU Mobile app.
  2. On the Account Summary page, tap the desired account.
  3. Tap the “Courtesy Pay” link under your Account Number.
  4. Select your account and Courtesy Pay option.
  5. Tap “Submit.”

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 change your selections (opt in or opt out) using any of the following methods:

• By phone: Call our Member Services Center at 210-945-3300
• In person: Visit any branch
• On your computer: Visit the Courtesy Pay page in your Online Banking account and follow the prompts to change your Courtesy Pay options.
• In the RBFCU Mobile app:
  1. Sign in to the RBFCU Mobile app.
  2. Tap the Checking Account on which Courtesy Pay is enabled.
  3. Tap on your Courtesy Pay status at the top of your Account Activity page.
  4. Follow the prompts to make changes to your Courtesy Pay status.

The most common reason is that your current balance was not negative, but your available balance had insufficient funds. Your available balance is your current balance minus any pending changes. If you feel a Courtesy Pay fee was incurred in error, please contact us at 210-945-3300.

For more information, read “What You Need to Know About Overdrafts and Overdraft Fees.”

Courtesy Pay coverage is available as soon as you opt in.

For more information, read “What You Need to Know About Overdrafts and Overdraft Fees.”

Overdrafts occur when you do not have available funds in your checking account and you have not enrolled in Overdraft Protection or Courtesy Pay. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay for an overdraft, your transaction will be declined.

For more information, read “What You Need to Know About Overdrafts and Overdraft Fees.”

The following RBFCU account types are eligible for members to select as the receiving account for the Round Up program:

• Basic Business Checking
• Business Money Market
• Business Savings
• Checking
• Choice Money Market
• Classic Money Market
• Elite Business Checking
• IOLTA Checking
• Non-Interest Checking
• Non-Interest Savings
• Organizational Checking
• Preferred Business Checking
• Primary Savings
• Savings
• Another member’s eligible RBFCU account. Note: The account owner of the sending account does not have to be an owner on the receiving account

Exception: IRA Savings accounts can not receive Round Up proceeds.

While an email address allows for an electronic transmission of product disclosures, RBFCU would instead mail any required documents to your mailing address on file.

A routing number is a unique 9-digit number assigned to a bank or credit union.

RBFCU's routing number is 314089681.

To help you grow your savings, the Round Up program rounds up eligible point of sale RBFCU Freedom Debit Card purchases to the next dollar and transfers the proceeds from your own checking account and into an active RBFCU personal or business Savings or Checking account designated by you. As RBFCU Freedom Debit Card transactions are posted, the round up amount is calculated at the end of day and moved into the designated RBFCU account. This service is free for members. External accounts at other financial institutions are not eligible to receive Round Up proceeds.

Example: When you purchase a latte for $4.38, the amount is rounded up to $5.00. $4.38 goes towards the purchase and the difference of $.62 is transferred into your designated RBFCU Round Up account.

For the transaction to round up, there must be sufficient funds in the Checking account. When funds are available to only cover the purchase, the transaction is completed without the round up amount. Round Up transactions are considered a transfer. They will appear on your Online Banking account and RBFCU statement.

You can enroll, opt out, or change the designated receiving account at any time by contacting an RBFCU representative by phone at 210-945-3300 or by starting a chat, or by visiting the Round Up page in your Online Banking account or the RBFCU Mobile app.

You are eligible to enroll in the Round Up program on the day that you join RBFCU and have an active Checking account linked to an RBFCU Freedom Debit Card.

No. When the account balance is zero, negative, or becomes zero after the round-up transaction, the application does not round to the next dollar amount.

You may be asked to verify your identity by answering questions from public information sources, including questions about vehicles you or others in your household have owned, questions about addresses/places of residence, etc.

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

To use Manage Cards in the RBFCU Mobile app, tap “Manage Cards” in the bottom navigation. Select the credit or debit card you’d like to manage, and you’ll be given the options to:

• Activate a new card
• Select your card’s PIN
• View details for your card, like your full account number, expiration date and security code
• Freeze your card from making transactions if it is misplaced
• Report your card lost or stolen, which will issue a new card/number
• Request a replacement card
• Set spend controls and Alerts for your card
• Add your card to your Apple Wallet

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

Checks and debits are presented against your Account by posting transactions according to a processing schedule. For ACH and Electronic Check processing, credit transactions are posted first throughout the day followed by debit transactions, regardless of the dollar amount of the item.

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.

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.

To determine if you are eligible for Courtesy Pay:

Via computer: Visit the Courtesy Pay page in your Online Banking account and follow the prompts to enroll.

Via the RBFCU Mobile app:

1. Sign in to the RBFCU Mobile app.
2. Select the desired account.
3. Under the Account Number, review the account’s Courtesy Pay status.
4. If you want to activate Courtesy Pay:
   1. Select the “Courtesy Pay” link under your Account Number.
   2. Select your account and Courtesy Pay option.
   3. Read the statement under “What you need to know about Courtesy Pay.”
   4. Select “Submit.”

A Daily Fee Cap limit has been set at a maximum of five Courtesy Pay and/or Insufficient Funds Fees that a member can incur per day. If a member has not exhausted their specific Courtesy Pay dollar amount, RBFCU will cover additional charges without issuing a fee.

For more information, read “What You Need to Know About Overdrafts and Overdraft Fees.”

We will charge you a $24 Courtesy Pay Fee each time we pay an overdraft for transactions over $5. For transactions that cause your balance to go into the negative $5 or less, Courtesy Pay fees will be waived. If you do not have Courtesy Pay on your account, we will charge you a $24 Insufficient Funds Fee for each item presented for payment over $5 that we return unpaid.

For more information, read “What You Need to Know About Overdrafts and Overdraft Fees.”

You have 45 days to repay the transaction amount(s) plus fees incurred.

For more information, read “What You Need to Know About Overdrafts and Overdraft Fees.”

There is a maximum limit of five Courtesy Pay and/or Insufficient Funds fees a member can incur per day. However, if intended abuse of the program is identified, Courtesy Pay can be revoked.

For more information, read “What You Need to Know About Overdrafts and Overdraft Fees.”

In your Online Banking account, we offer additional detail regarding each Courtesy Pay transaction, including the balance in your account and the other pending transactions at the time the Courtesy Pay fee was assessed. Please take a moment to review this information for more detail on why a fee was assessed. If you feel a Courtesy Pay fee was incurred in error, please contact us at 210-945-3300.

You can change your Courtesy Pay selections (opt in or opt out) at any time using the following methods:

• Phone: Call our Member Services Center at 210-945-3300
• In-Person: Visit any branch
• Online: Visit the Courtesy Pay page in your Online Banking account to change your options.
• RBFCU Mobile app:
  1. Sign in to the RBFCU Mobile app.
  2. On the Account Summary page, tap the desired account.
  3. Tap the “Courtesy Pay” link under your Account Number.
  4. Select your account and Courtesy Pay option.
  5. Tap “Submit.”

For more information, read “What You Need to Know About Overdrafts and Overdraft Fees.”

You can change your selections (opt in or opt out) using any of the following methods:

• Phone: Call our Member Services Center at 210-945-3300
• In-Person: Visit any branch
• Online: Visit the Courtesy Pay page in your Online Banking account to change your options.
• RBFCU Mobile app:
  1. Sign in to the RBFCU Mobile app.
  2. On the Account Summary page, tap the desired account.
  3. Tap the “Courtesy Pay” link under your Account Number.
  4. Select your account and Courtesy Pay option.
  5. Tap “Submit.”

You can change your selections (opt in or opt out) using any of the following methods:

• By phone: Call our Member Services Center at 210-945-3300
• In person: Visit any branch
• On your computer: Visit the Courtesy Pay page in your Online Banking account and follow the prompts to change your Courtesy Pay options.
• In the RBFCU Mobile app:
  1. Sign in to the RBFCU Mobile app.
  2. Tap the Checking Account on which Courtesy Pay is enabled.
  3. Tap on your Courtesy Pay status at the top of your Account Activity page.
  4. Follow the prompts to make changes to your Courtesy Pay status.

The most common reason is that your current balance was not negative, but your available balance had insufficient funds. Your available balance is your current balance minus any pending changes. If you feel a Courtesy Pay fee was incurred in error, please contact us at 210-945-3300.

For more information, read “What You Need to Know About Overdrafts and Overdraft Fees.”

Courtesy Pay coverage is available as soon as you opt in.

For more information, read “What You Need to Know About Overdrafts and Overdraft Fees.”

Overdrafts occur when you do not have available funds in your checking account and you have not enrolled in Overdraft Protection or Courtesy Pay. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay for an overdraft, your transaction will be declined.

For more information, read “What You Need to Know About Overdrafts and Overdraft Fees.”

No. When the account balance is zero, negative, or becomes zero after the round-up transaction, the application does not round to the next dollar amount.

You are eligible to enroll in the Round Up program on the day that you join RBFCU and have an active Checking account linked to an RBFCU Freedom Debit Card.

To help you grow your savings, the Round Up program rounds up eligible point of sale RBFCU Freedom Debit Card purchases to the next dollar and transfers the proceeds from your own checking account and into an active RBFCU personal or business Savings or Checking account designated by you. As RBFCU Freedom Debit Card transactions are posted, the round up amount is calculated at the end of day and moved into the designated RBFCU account. This service is free for members. External accounts at other financial institutions are not eligible to receive Round Up proceeds.

Example: When you purchase a latte for $4.38, the amount is rounded up to $5.00. $4.38 goes towards the purchase and the difference of $.62 is transferred into your designated RBFCU Round Up account.

For the transaction to round up, there must be sufficient funds in the Checking account. When funds are available to only cover the purchase, the transaction is completed without the round up amount. Round Up transactions are considered a transfer. They will appear on your Online Banking account and RBFCU statement.

You can enroll, opt out, or change the designated receiving account at any time by contacting an RBFCU representative by phone at 210-945-3300 or by starting a chat, or by visiting the Round Up page in your Online Banking account or the RBFCU Mobile app.

The following RBFCU account types are eligible for members to select as the receiving account for the Round Up program:

• Basic Business Checking
• Business Money Market
• Business Savings
• Checking
• Choice Money Market
• Classic Money Market
• Elite Business Checking
• IOLTA Checking
• Non-Interest Checking
• Non-Interest Savings
• Organizational Checking
• Preferred Business Checking
• Primary Savings
• Savings
• Another member’s eligible RBFCU account. Note: The account owner of the sending account does not have to be an owner on the receiving account

Exception: IRA Savings accounts can not receive Round Up proceeds.

Your RBFCU savings account represents your financial share in our organization as a member; that’s why it’s referred to as your “share account.” Because of NCUA Truth in Savings rules, RBFCU cannot describe a share account as a deposit account, but it is similar to a deposit account you would find at a bank.

Per Regulation D, you are limited to six electronic outgoing transactions per savings or Money Market (either RBFCU Classic or RBFCU Choice) account, per month. However, you are not limited on deposits or withdrawals at a branch.

A Choice Money Market can be closed on all channels with the exception of the RBFCU Mobile app.

The Money Market Comparison Calculator is available on rbfcu.org as a tool to estimate interest earned with both products.

A Choice Money Market account may be opened online, through the RBFCU Mobile app, by calling our Member Service Center at 210-945-3300, or at any RBFCU branch. Minimum opening balance is $2,500.

Withdrawals/transfers can be made electronically (up to six per month), and cash withdrawals/transfers can be made by visiting an RBFCU branch.

A Money Market account typically earns a higher yield than a traditional savings account. Money Market accounts also usually require a higher minimum balance.

With the Classic Money Market, you earn a flat dividend rate on your total balance. A Choice Money Market utilizes blended dividend rates, which apply higher earnings rates to lower balances. As your balance increases, previous rates are retained and incorporated into your overall earnings. See rate schedule above.

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.

Only one Choice Money Market account, per tax-reported owner, may be opened.

1. Sign in to your Online Banking account.
2. Under the “View Accounts” tab, select your Money Market account.
3. Under “Your Summary/Account Activity,” review the information listed to the left of your “Available Balance.”

Transfers include those made using Online Banking or the RBFCU Mobile app, phone or automatic overdraft protection from a Money Market account. You may complete as many transfers as you wish from your savings or checking account to other accounts, or in person at a local branch, as long as you stay within your available balance.

Yes. You may close your Classic Money Market account and open a Choice Money Market account. However, only one Choice Money Market is available per tax-reported owner. There is not a limit to the number of Classic Money Market accounts you can own. This account will not be available to businesses (EINs).

An RBFCU Money Market account is not an investment product, nor will your funds be publicly traded. Your account is federally insured up to certain limits by the NCUA and will not lose value.

No. There is no monthly fee.

• Minimum balance: $2,500
• Blended rate structure, resulting in the highest earnings on balances under $10,000. As your balance increases, previous rates are retained and incorporated into your overall earnings.
• Enjoy the features of a Classic Money Market, including accessibility to funds, no monthly service fees and dividends paid monthly.

A blended rate is an interest rate that represents the combination of multiple rates. Our RBFCU Choice Money Market calculator will show how different tiers of your balance earn a separate rate and what your overall rate will be based on the balance you provide.

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.

You do not have to close your Money Market account; however, if your balance falls below $2,500, the account will automatically revert to the savings account rate at that time, by the end of the business day. The account name will remain an “RBFCU Money Market.”

If a transaction, payment or transfer presented electronically or over the phone to an external merchant causes your Available Balance to fall below the minimum requirement of $2500, the transaction will be rejected and returned unpaid. For complete details, please review our Truth in Savings Account Disclosures.

When your balance is brought back up to $2,500, you will earn the RBFCU Money Market rate again.

While an email address allows for an electronic transmission of product disclosures, RBFCU would instead mail any required documents to your mailing address on file.

The RBFCU Choice Money Market account is another savings account option that utilizes blended dividend rates, which apply higher earnings rates to lower balances. As your balance increases, previous rates are retained and incorporated into your overall earnings.

The minimum balance to open an RBFCU Choice Money Market account is $2,500.

APY means Annual Percentage Yield. This refers to how much money you earn on a deposit over a year, taking into account compounding interest. The dividend rate is the declared annual dividend rate paid on an account, which does not reflect compounding.

Dividends are paid out monthly.

Yes. You will still be able to open and maintain the Classic Money Market account.

Your RBFCU savings account represents your financial share in our organization as a member; that’s why it’s referred to as your “share account.” Because of NCUA Truth in Savings rules, RBFCU cannot describe a share account as a deposit account, but it is similar to a deposit account you would find at a bank.

Yes. Certificates and SuperSaver Certificates can have joint owners as long as all of the joint owners are members of RBFCU.

No. Certificates are low-risk ways to protect your money and earn a higher rate than regular savings or checking accounts. However, certificate accounts closed before their maturity date are subject to a penalty for early withdrawal.

For more information, review the early withdrawal penalties in the Truth in Savings Account Disclosures.

Yes. You can request to close your certificate and use the proceeds to pay off a consumer loan. You must close your certificate prior to paying off the loan to assess appropriate certificate penalties when applicable.

Yes. You can use a certificate or SuperSaver Certificate as collateral for a loan. Only one loan is allowed per certificate. The loan term cannot exceed the certificate's maturity date.

You cannot use IRA certificates as collateral for a loan.

For more information, visit our Personal Loans page.

Share Certificates and Certificates of Deposit, or CDs, are two names for similar long-term savings accounts, but there are some differences.

Credit unions, like RBFCU, may offer Share Certificates, which are dividend-bearing accounts. Savings placed in Share Certificates are equity investments, and the returns earned on these accounts are dividends. Because of NCUA Truth in Savings rules, you may also see credit unions call these accounts “Share Certificate Accounts,” “Certificate Accounts” or just “Certificates.”

Banks may offer CDs, which are interest-bearing accounts.

Yes. If funds are being withdrawn from an IRA certificate, IRS taxes and penalties may apply.

For more information, review the early withdrawal penalties in the Truth in Savings Account Disclosures.

Closing a certificate or SuperSaver certificate early (e.g., before the maturity date) may incur penalties. If funds are withdrawn from an IRA Share Certificate or IRA SuperSaver Certificate, IRS taxes and penalties may apply.

For more information, review the early withdrawal penalties in the Truth in Savings Account Disclosures.

• Automatic renewal on maturity
• Dividends paid monthly
• Dividends can be:
• Paid to an RBFCU savings, checking or Money Market account
• Compounded within the certificate
• Dividend rate locked in at purchase and through maturity

A Share Certificate is a certificate issued by a credit union. It represents a deposit that is made for a certain period of time that earns specified dividends over that period. A Share Certificate is a term share account with a maturity of at least 6 months.

A $1,000 minimum is required to open a Share Certificate account and earn the stated APY.

The SuperSaver Certificate is an 18-month Share Certificate or an 18-month IRA certificate that is offered at a higher dividend rate than a regular Share Certificate.

Details:

• $1,000 balance limit required to open account and earn stated APY
• Dividends are paid monthly
• Dividends can be compounded back to the certificate or paid into an RBFCU savings, checking or Money Market account
• Higher dividend rate
• Dividend rate is locked in at purchase or maturity dates
• No limit to how many SuperSaver Certificates you can have
• No monthly service fees

SuperSaver 18-month Certificate is available for consumer accounts and does not apply to business accounts.

The grace period for a certificate is 10 days. After the certificate matures, you can choose to renew it or not renew it for the balance and term, without penalty.

The only product available for certificate loans is Credit Insurance.

After finalizing the loan, the funds are available immediately.

Your RBFCU savings account represents your financial share in our organization as a member; that’s why it’s referred to as your “share account.” Because of NCUA Truth in Savings rules, RBFCU cannot describe a share account as a deposit account, but it is similar to a deposit account you would find at a bank.

Per Regulation D, you are limited to six electronic outgoing transactions per savings or Money Market (either RBFCU Classic or RBFCU Choice) account, per month. However, you are not limited on deposits or withdrawals at a branch.

A Choice Money Market can be closed on all channels with the exception of the RBFCU Mobile app.

The Money Market Comparison Calculator is available on rbfcu.org as a tool to estimate interest earned with both products.

A Choice Money Market account may be opened online, through the RBFCU Mobile app, by calling our Member Service Center at 210-945-3300, or at any RBFCU branch. Minimum opening balance is $2,500.

Withdrawals/transfers can be made electronically (up to six per month), and cash withdrawals/transfers can be made by visiting an RBFCU branch.

A Money Market account typically earns a higher yield than a traditional savings account. Money Market accounts also usually require a higher minimum balance.

With the Classic Money Market, you earn a flat dividend rate on your total balance. A Choice Money Market utilizes blended dividend rates, which apply higher earnings rates to lower balances. As your balance increases, previous rates are retained and incorporated into your overall earnings. See rate schedule above.

Only one Choice Money Market account, per tax-reported owner, may be opened.

1. Sign in to your Online Banking account.
2. Under the “View Accounts” tab, select your Money Market account.
3. Under “Your Summary/Account Activity,” review the information listed to the left of your “Available Balance.”

Transfers include those made using Online Banking or the RBFCU Mobile app, phone or automatic overdraft protection from a Money Market account. You may complete as many transfers as you wish from your savings or checking account to other accounts, or in person at a local branch, as long as you stay within your available balance.

Yes. You may close your Classic Money Market account and open a Choice Money Market account. However, only one Choice Money Market is available per tax-reported owner. There is not a limit to the number of Classic Money Market accounts you can own. This account will not be available to businesses (EINs).

An RBFCU Money Market account is not an investment product, nor will your funds be publicly traded. Your account is federally insured up to certain limits by the NCUA and will not lose value.

No. There is no monthly fee.

• Minimum balance: $2,500
• Blended rate structure, resulting in the highest earnings on balances under $10,000. As your balance increases, previous rates are retained and incorporated into your overall earnings.
• Enjoy the features of a Classic Money Market, including accessibility to funds, no monthly service fees and dividends paid monthly.

A blended rate is an interest rate that represents the combination of multiple rates. Our RBFCU Choice Money Market calculator will show how different tiers of your balance earn a separate rate and what your overall rate will be based on the balance you provide.

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.

You do not have to close your Money Market account; however, if your balance falls below $2,500, the account will automatically revert to the savings account rate at that time, by the end of the business day. The account name will remain an “RBFCU Money Market.”

If a transaction, payment or transfer presented electronically or over the phone to an external merchant causes your Available Balance to fall below the minimum requirement of $2500, the transaction will be rejected and returned unpaid. For complete details, please review our Truth in Savings Account Disclosures.

When your balance is brought back up to $2,500, you will earn the RBFCU Money Market rate again.

The RBFCU Choice Money Market account is another savings account option that utilizes blended dividend rates, which apply higher earnings rates to lower balances. As your balance increases, previous rates are retained and incorporated into your overall earnings.

The minimum balance to open an RBFCU Choice Money Market account is $2,500.

APY means Annual Percentage Yield. This refers to how much money you earn on a deposit over a year, taking into account compounding interest. The dividend rate is the declared annual dividend rate paid on an account, which does not reflect compounding.

Dividends are paid out monthly.

Yes. You will still be able to open and maintain the Classic Money Market account.

Your RBFCU savings account represents your financial share in our organization as a member; that’s why it’s referred to as your “share account.” Because of NCUA Truth in Savings rules, RBFCU cannot describe a share account as a deposit account, but it is similar to a deposit account you would find at a bank.

Per Regulation D, you are limited to six electronic outgoing transactions per savings or Money Market (either RBFCU Classic or RBFCU Choice) account, per month. However, you are not limited on deposits or withdrawals at a branch.

The Money Market Comparison Calculator is available on rbfcu.org as a tool to estimate interest earned with both products.

Withdrawals/transfers can be made electronically (up to six per month), and cash withdrawals/transfers can be made by visiting an RBFCU branch.

A Money Market account typically earns a higher yield than a traditional savings account. Money Market accounts also usually require a higher minimum balance.

1. Sign in to your Online Banking account.
2. Under the “View Accounts” tab, select your Money Market account.
3. Under “Your Summary/Account Activity,” review the information listed to the left of your “Available Balance.”

Transfers include those made using Online Banking or the RBFCU Mobile app, phone or automatic overdraft protection from a Money Market account. You may complete as many transfers as you wish from your savings or checking account to other accounts, or in person at a local branch, as long as you stay within your available balance.

Yes. You may close your Classic Money Market account and open a Choice Money Market account. However, only one Choice Money Market is available per tax-reported owner. There is not a limit to the number of Classic Money Market accounts you can own. This account will not be available to businesses (EINs).

An RBFCU Money Market account is not an investment product, nor will your funds be publicly traded. Your account is federally insured up to certain limits by the NCUA and will not lose value.

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.

APY means Annual Percentage Yield. This refers to how much money you earn on a deposit over a year, taking into account compounding interest. The dividend rate is the declared annual dividend rate paid on an account, which does not reflect compounding.

Dividends are paid out monthly.

Yes. If you are a MemberSafe user, you can monitor any debit, credit card and ATM cards by registering each card on membersafe.rbfcu.org.

If you are a MemberSafe user, your cell phone bill must be paid using your RBFCU Checking, Savings or Credit Card account to qualify for the Cellular Telephone Protection service.

Reference the “Guide to Benefit” you received when you signed up for the MemberSafe program or visit membersafe.rbfcu.org for complete details of coverage.

Sign up for MemberSafe services through your Online Banking account. Once that is completed, you will be given access information to membersafe.rbfcu.org. To sign up for alerts regarding changes to your credit, you will have to register for the credit monitoring feature through membersafe.rbfcu.org.

Once you have signed up for MemberSafe services through your Online Banking account, you will be given access information to membersafe.rbfcu.org. To sign up for Identity Monitoring, you will have to register and activate the feature through membersafe.rbfcu.org.

Sign in to your Online Banking account and visit the Identity Protection page. To make your MemberSafe coverage selection in the RBFCU Mobile app, tap the + button in the bottom menu, then “View Services,” then “Identity Protection.”

If you are a MemberSafe user, you can request an updated TransUnion credit report every 180 days or upon opening a resolution case.

If you are a MemberSafe user, you will receive notifications based on the settings you set. You can set or make changes to your notification preferences at membersafe.rbfcu.org.

You can upgrade to MemberSafe at any time. Sign in to your Online Banking account and visit the Identity Protection page to make your coverage selection.

To make your MemberSafe coverage selection in the RBFCU Mobile app:

1. Sign in to the RBFCU Mobile app.
2. Tap the + button in the bottom menu.
3. Choose “View Services.”
4. Select “Identity Protection.”

Once you have upgraded to MemberSafe, you can no longer re-enroll in IDProtect Plus.

You can upgrade to MemberSafe at any time. Sign in to your Online Banking account and visit the Identity Protection page to make your coverage selection.

To make your MemberSafe coverage selection in the RBFCU Mobile app:

1. Sign in to the RBFCU Mobile app.
2. Tap the + button in the bottom menu.
3. Choose “View Services.”
4. Select “Identity Protection.”

Once you have upgraded to MemberSafe, you can no longer re-enroll in IDProtect.

If your credit or personal information is stolen or compromised, it’s important that you take quick action to stop further damage to your credit and identity. For more information on what to do after identity theft, review our article Five Steps to Take Immediately After Identity Theft. To file a claim, call 1-866-210-0361.

The IRS does not allow loans against an IRA. One option IRA owners have to alleviate taxation and an IRS early withdraw penalty is to roll back a single distribution amount, in full, to an IRA within 60 calendar days. Any distribution amount not rolled back within 60 calendar days is subject to taxes and an IRS early withdraw penalty. All distributions and funds rolled back into the IRA are reported to the IRS and are included when filing taxes. The IRS allows this option only once in a 12-month calendar period.

Per IRS guidelines, when a Traditional IRA owner reaches Required Minimum Distribution (RMD) age, an annual distribution is required. Roth IRAs are not subject to an RMD.

To change a beneficiary on your IRA, complete an IRA Designation or Change of Beneficiary Form. Once you complete the form, you can

• mail it to RBFCU, Attn: IRA Department, P.O. Box 2097, Universal City, TX 78148-2097,
• fax it to 210-637-4510, or
• drop it off at your nearest RBFCU location.

To request an IRA distribution, you can chat with a Member Service Representative through your Online Banking account. You can also contact us by phone or visit a branch.

An SEP IRA is a Simplified Employee Pension Individual Retirement Account. This type of IRA is established by employers to make tax-deductible contributions on behalf of eligible employees.

RBFCU Investments Group financial advisors offer IRAs through Ameriprise Financial. Your financial advisor can help you choose investment solutions from a variety of managed accounts, mutual funds, annuities and stocks.

RBFCU offers IRAs. A credit union employee in the IRA department can help you choose if you should deposit your money in an IRA savings account or an IRA certificate of deposit. The IRAs offered by RBFCU are insured separately up to $250,000 from other deposit accounts by the National Credit Union Administration (NCUA). IRAs offered by RBFCU Investments Group are not insured by the NCUA.

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, text message or email. 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 and email address: 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.

To use Manage Cards in the RBFCU Mobile app, tap “Manage Cards” in the bottom navigation. Select the credit or debit card you’d like to manage, and you’ll be given the options to:

• Activate a new card
• Select your card’s PIN
• View details for your card, like your full account number, expiration date and security code
• Freeze your card from making transactions if it is misplaced
• Report your card lost or stolen, which will issue a new card/number
• Request a replacement card
• Set spend controls and Alerts for your card
• Add your card to your Apple Wallet

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 username and password. Get tips on creating a strong password here
   • To change your username and password: Select the profile icon, then “Profile Settings,” then “Security Center”
4. 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 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.

Emails from RBFCU will come from an email address ending with “rbfcu.org.” However, please be aware that fraudsters can imitate legitimate email addresses.

RBFCU will only ask you to respond with ALLOW or DENY to an email message asking you to verify a sign-in attempt for your Online Banking account. An RBFCU email may ask you to visit rbfcu.org to sign in to your Online Banking account, but will never take you directly to an Online Banking sign-in page.

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 username and password if you deny a sign-in attempt. Visit the Security Center in your Online Banking account to change your credentials. To change your username and 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 “Username” or “Password,” and follow the prompts to change it. You can return to “Security Center” to change the other.

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.

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 and email address: 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.

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 and email address: 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.

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.

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.

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 username and password if you deny a sign-in attempt. Visit the Security Center in your Online Banking account to change your credentials. To change your username and 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 “Username” or “Password,” and follow the prompts to change it. You can return to “Security Center” to change the other.

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.

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 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 username and password. Get tips on creating a strong password here
   • To change your username and password: Select the profile icon, then “Profile Settings,” then “Security Center”
4. 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 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.

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 and email address: 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.

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.

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.

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.

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, text message or email. 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.

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. Sign-in Alerts are mandatory security Alerts that cannot be disabled.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.)

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

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.

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.”

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.

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

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.

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.

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.

No. RBFCU Bill Pay is a free service.

No.

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.

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.

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

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

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 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 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.

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.

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.

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.

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.

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

The minimum supported environments include:

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

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

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.

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.

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.

Recipients must accept the RBFCUsend transfer within 24 hours. When a transfer is not accepted within 24 hours, the transfer is canceled. After the transfer is canceled, the RBFCU member must initiate another transfer.

No.

RBFCUsend is also known as Move Money. From the Move Money menu, you can complete the RBFCUsend transfer. The RBFCUsend verbiage is found in the following areas:

• Terms and Conditions
• Member’s account activity for the transfer

RBFCUsend is a person-to-person (P2P) service that allows RBFCU debit cardholders to securely send money as real-time transfers to non-RBFCU debit cardholders (Recipient) within the U.S., for Mastercard^® or Visa-branded cards.

RBFCU members can use RBFCUsend to send funds to almost any recipient with one of the following cards:

• Mastercard- or Visa-branded consumer debit card
• Mastercard- or Visa-branded small business debit card

Important: RBFCUsend does not work with pre-paid cards.

Yes. Funds can be transferred to any debit card that displays the card brand Visa or Mastercard.

Exception: RBFCUsend does not work with pre-paid cards.

Yes. An RBFCUsend transaction can be cancelled prior to the 24-hour expiration period provided the recipient has not accepted the transfer.

To cancel the transfer, access the Manage Payments & Transfers > Pending Request menu from the RBFCU Mobile app.

Yes. You can transfer to your non-RBFCU debit card as long as the email or phone number used is not tied to your RBFCU profile.

Important: When the email or phone number referenced are linked to your RBFCU profile, the transfer is not allowed. You must send funds to the other financial institution via ACH or wire.

To send funds through RBFCUsend, members must have a valid debit card attached to their account. To initiate a transfer, the member must have the recipient’s email address or phone number.

Through the RBFCUsend program, the member:

1. Accesses Move Money from the RBFCU Mobile app 
2. Enter the required information
3. Clicks Submit

The recipient receives a link via text or email to accept the funds. From the link, the recipient is asked to complete a form with their account information.

The form includes a “Remember Me” function that shows the last 4 digits of the card for future transfers. The recipient can change the card details if needed.

Important: The member and RBFCU do not have access to the recipient’s account or debit card information.

Yes, sign in to your Online Banking account and select the “Move Money” menu. You can also process an RBFCUsend transfer through the RBFCU Mobile app.

When the recipient is an RBFCU account holder and the email or phone number entered is tied to their account, the system prompts you to transfer the funds through an account to account transfer, instead of RBFCUsend.

No. At this time, RBFCU member can only send funds to non-RBFCU debit cardholders.

No. RBFCU does not offer a protection program for authorized payments through RBFCUsend for any reason (for example, not receiving goods/services or damaged products). The transfer cannot be reversed or disputed.

No. Members can only send funds to a non-RBFCU debit card.

The current limits are as follows:

• $500 per day aggregate
• $500 per transaction
• $5,000 per month

Important: The limits are on a person level, not per account. We cannot increase limits.

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

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.

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.

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.

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.

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.

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 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.

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

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

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.

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

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.

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.

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.

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.

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.

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.

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

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.

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.

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.

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

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.

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.

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.

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.

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.

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.

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.

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.

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 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.

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.

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.

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 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.

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).

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.

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.

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.

No.

Yes. This change will not apply to loans in progress or loans submitted prior to the interest rate modification. To change the interest rate on an existing loan request, change the interest rate, deny the loan request and ask your child to resubmit it.

To modify the interest rate for your child’s future loans:

1. Sign in to Online Banking or the RBFCU Mobile app.
2. Select “STAR Program” from the “View Services” menu.
3. In the STAR window, select the three vertical dots at the top of the screen.
4. Select “Loan interest rate,” and then select the interest rate you’d like to apply to all future loans granted to your child.
5. Select “Submit.”
6. You’ll receive a prompt reading: “Are you sure you want to change the interest rate?” Select “Yes” to finalize the request. If you’d like to see how the new interest rate will affect future loan requests, select “loan calculator” to use RBFCU’s loan payment calculator.

Yes. All STAR transactions will be posted to the associated parent and child accounts with the transaction description “STAR transfer.”

Yes. If you are a joint account owner on the child’s account, you can use the STAR program. Please refer to “What is required in order for my child(ren) and I to enroll in the STAR program?” for additional information.

Yes. The STAR program allows you to pay your child’s allowance by setting up a recurring transfer from your account to theirs.

No. Once you have approved your child’s STAR loan request and the funds have been transferred, it can’t be canceled.

No. Each loan must be paid in full before your child can request a new one.

Yes. Both you and your child(ren) must have an RBFCU account to use the STAR program. Please refer to “What is required in order for my child(ren) and I to enroll in the STAR program?” for additional information.

Yes. You can open an account online, visit any RBFCU branch or call 210-945-3300 to get started.

To change your linked account:

1. Sign in to Online Banking or the RBFCU Mobile app.
2. Select “STAR Program” from the “View Services” menu.
3. In the STAR window, select the settings wheel menu at the top of the page.
4. Select “Change associated parent account.”
5. From the drop-down list, select your preferred transfer account.
6. Select “Submit,” and “Yes” when prompted: “Are you sure you want to change the associated account?”

To change your child’s linked account, please refer to “How do I change my child’s linked account?”

If you’re registered, here are the steps:

1. Sign in to Online Banking or the RBFCU Mobile app.
2. Select “STAR Program” from the “View Services” menu.
3. Once you have reached the STAR enrollment page, select the “Add Child” button. You’ll be prompted to select the child from a list of all minor accounts on which you’re a joint owner.

If you’re not already registered, see “How do I enroll in the STAR program?”

To assign a task to your child:

1. Sign in to Online Banking or the RBFCU Mobile app.
2. Select “STAR Program” from the “View Services” menu.
3. In the STAR window, select your child’s name. This will open their STAR profile.
4. Select the “Tasks” tab.
5. Select “Assign Task”. Select a task from the drop-down list, or enter your own custom task and select an accompanying image.
6. In the “Amount Paid” field, enter the amount you’d like to pay your child for completing this task.
7. In the “Due Date” field, enter the date by which you’d like your child to complete this task.
8. If you’d like to make this task recurring, select the “Recurring Task” button, and pick a frequency and end date for the recurring task, if applicable.
9. Select “Submit” when you’re ready to assign the task to your child.

To change the account your child uses for the STAR program:

1. Sign in to Online Banking or the RBFCU Mobile app.
2. Select “STAR Program” from the “View Services” menu.
3. In the STAR window, select the child’s profile for which you’d like to change the linked account.
4. Select “Change Linked Child Account” from the three vertical dots menu at the top of the page.
5. In the “Select Account” field, select the account you’d like your child to use with the STAR program. This will be the account that receives transfers for completing tasks, allowance and grades, and the account that sends transfers for payments on loans.
6. Select “Submit,” and “Yes” when prompted “Are you sure you want to change the associated account?”

To view available balances on all of your RBFCU accounts:

1. Sign in to Online Banking or the RBFCU Mobile app.
2. Select “STAR Program” from the “View Services” menu.
3. In the STAR window, select the settings wheel menu at the top of the page.
4. Select “Balance inquiry.”

To set a budget with your child:

1. Sign in to Online Banking or the RBFCU Mobile app.
2. Select “STAR Program” from the “View Services” menu.
3. In the STAR window, select the child’s profile for which you’d like to create or update a monthly budget.
4. On the “Overview” tab, select “Create/Update budget.”
5. With your child, enter their total deposits, expenses, short-term savings, long-term savings, charitable giving and spending goals for the month.
6. Once complete, select “Submit.”

To enroll in the STAR program:

1. Sign in to Online Banking or the RBFCU Mobile app.
2. Select “STAR Program” from the “View Services” menu, which will open a new window.
3. Complete the “User Registration Detail” field with your name, your preferred account and your preferred phone number for notifications. Select “Submit.”
4. Read and agree to the RBFCU STAR Agreement and Disclosure and the COPPA Privacy Policy, then select “Submit” to complete registration.

Once you’ve registered for the STAR program, you’ll be given the option to register your child. To enroll your child in the STAR program:

1. Select the child you’re enrolling. All minor accounts for which you’re a joint owner will be available for you to choose from.
2. Select which of your child’s accounts you would like the STAR program to use for making transfers in the “Select child’s account” field.
3. Your child’s birthday will auto-populate in the “Birthday” field from our records.
4. You may select an avatar image for your child at this time. You and your child will have the option to change it at any time.
5. Once all information is complete, select “Submit – complete registration.”
6. If you have additional children you’d like to enroll in the STAR program, select “Submit – Add another child.” Repeat steps 1-5 until all of your children are registered. There is no limit on how many children you can enroll.

To make transfers with the STAR program:

1. Sign in to Online Banking or the RBFCU Mobile app.
2. Select “STAR Program” from the “View Services” menu.
3. In the STAR window, select the settings wheel menu at the top of the page.
4. Select “Transfer money.”
5. In the “From Account” field, select the account you’d like to make the transfer from.
6. In the “To Account” field, select the account you’d like to make the transfer to.
7. In the “Transfer amount($)” field, enter the amount you’d like to transfer.
8. Select “Submit,” and “Yes” to confirm the transfer.

To reassign a task:

1. Sign in to Online Banking or the RBFCU Mobile app.
2. Select “STAR Program” from the “View Services” menu.
3. In the STAR window, select the child’s profile from which you’d like to reassign a task.
4. Select the “Tasks” tab.
5. Select the task you’d like to reassign.
6. Select the three vertical dots at the top of the task page, then select “Switch Assigned Task.”
7. In the “Select a child” field, select the child you’d like to switch the assigned task to.
8. Select “Submit.”

Typically, Online Banking is set up for all new members at the time the account is opened. If this is not the case, and your child has an account but needs to register for Online Banking credentials, please visit an RBFCU branch or call 210-945-3300 to register.

To remove your child’s STAR profile:

1. Sign in to Online Banking or the RBFCU Mobile app.
2. Select “STAR Program” from the “View Services” menu.
3. In the STAR window, select the child’s profile that you’d like to remove.
4. Select “Remove Child Profile” from the three vertical dots menu at the top of the page.
5. When prompted “Are you sure you want to remove this child?” select “Yes.”

To review your child’s completed tasks:

1. Sign in to Online Banking or the RBFCU Mobile app.
2. Select “STAR Program” from the “View Services” menu.
3. In the STAR window, select the child’s profile for which you’d like to review tasks.
4. Select the “Tasks” tab.
5. Select the task you’d like to review.
6. Review with your child to make sure the task has been completed to your satisfaction.

To review your child’s completed tasks:

1. Check the reward amount for completing the task, and change the amount if needed. This is the amount that will be transferred from your account to your child’s account once the task is marked as approved.
2. Select “Verify completed and pay” if the task is complete and you’re ready to pay your child. This will transfer funds from your account to your child’s account for completing the task.

If the task needs more work or isn’t complete:

• Select “Task requires more work” if the task is not yet finished. This will return the task to your child and notify them that the task has been reviewed and needs more work.
• Select “Deny” if the task has not been completed. This will return the task to your child and notify them that this task was denied.

To review your child’s loan request:

1. Sign in to Online Banking or the RBFCU Mobile app.
2. Select “STAR Program” from the “View Services” menu.
3. In the STAR window, select the child’s profile for which you’d like to review a loan request.
4. Select the “Requests” tab.
5. Select the loan request with the status of “Pending.”
6. Review your child’s loan request, and the amortization schedule for accuracy.
7. In the “Response” field, enter a response to your child. A response is required.
8. Make a decision on your child’s loan request.
   1. If changes are needed, or you would not like to grant your child the loan at this time, select “Deny,” and then “Yes” when prompted “Are you sure?”
   2. If you’re ready to approve your child’s loan request, select “Approve and pay,” then select “Yes” when prompted “Are you sure you’d like to grant your child this loan?”
9. Once approved, the total amount your child requested for their loan will be transferred from your account to your child’s account.

To review your child’s money request:

1. Sign in to Online Banking or the RBFCU Mobile app.
2. Select “STAR Program” from the “View Services” menu.
3. In the STAR window, select the child’s profile for which you’d like to review a money request.
4. Select the “Requests” tab.
5. Select the money request with the status of “Pending.”
6. In the “Response” field, enter a response to your child.
7. Make a decision on your child’s money request.
   1. To approve your child’s money request, select “Approve Request.” You’ll be prompted “Are you sure you want to approve this transfer?” Select “Yes” to approve the funds transfer from your account to your child’s account.
   2. To deny your child’s money request, select “Deny Request.” You’ll be prompted “Are you sure you want to deny this transfer?” Select “Yes” to confirm.

To review your child’s report card reward request:

1. Sign in to Online Banking or the RBFCU Mobile app.
2. Select “STAR Program” from the “View Services” menu.
3. In the STAR window, select the child’s profile for which you’d like to review a report card request.
4. Select the “Requests” tab.
5. Select the Report Card request with the status of “Pending.”
6. Review your child’s grades against their report card for accuracy.
7. Review the amounts to be paid to your child for each A, B and C grade. Change amounts if desired.
8. Make a decision on your child’s report card request.
   1. To approve your child’s report card request, select “Approve,” then select “Yes” when prompted “Are you sure you want to approve this Report Card?”
   2. To deny your child’s report card request, select “Deny,” then select “Yes” when prompted “Are you sure you want to deny this Report Card?”

To set a savings goal for your child:

1. Sign in to Online Banking or the RBFCU Mobile app.
2. Select “STAR Program” from the “View Services” menu.
3. In the STAR window, select the child’s profile for which you’d like to set a savings goal.
4. Select “Savings Goal” from the three vertical dots menu at the top of the page.
5. In the “Modify savings goal” field, enter the savings goal for your child.
6. Select “Submit,” and “Yes” when prompted “Are you sure you want to modify the savings goal?”

To set or change your child’s allowance:

1. Sign in to Online Banking or the RBFCU Mobile app.
2. Select “STAR Program” from the “View Services” menu.
3. In the STAR window, select the child’s profile for which you’d like to set or change the allowance.
4. Select “Set Allowance” from the three vertical dots menu at the top of the page.
5. In the “Allowance Amount” field, enter the allowance you’d like your child to receive.
6. In the “Allowance Date” field, enter the date you’d like your child to start receiving their allowance.
7. In the “Frequency” field, select the frequency you’d like your child to receive their allowance.

To set/change your child’s avatar photo:

1. Sign in to Online Banking or the RBFCU Mobile app.
2. Select “STAR Program” from the “View Services” menu.
3. In the STAR window, select the child’s profile for which you’d like to change the avatar photo.
4. Select “Change Avatar” from the three vertical dots menu at the top of the page.
5. Select the desired avatar for your child’s profile.
6. Select “Submit,” and “Yes” when prompted “Are you sure you want to change your profile photo?”

To unassign a task:

1. Sign in to Online Banking or the RBFCU Mobile app.
2. Select “STAR Program” from the “View Services” menu.
3. In the STAR window, select the child’s profile from which you’d like to unassign a task.
4. Select the “Tasks” tab.
5. Select the task you’d like to unassign.
6. Select the three vertical dots at the top of the task page, then select “Unassign Task.”
7. Select “Yes” to confirm you’d like to unassign this task from your child.

To unenroll from the STAR program:

1. Sign in to Online Banking or the RBFCU Mobile app.
2. Select “STAR Program” from the “View Services” menu.
3. In the STAR window, select the settings wheel menu at the top of the page.
4. Select “Disclosure opt out/Unregister.”
5. Toggle the “RBFCU STAR Agreement and Disclosure” and “COPPA Privacy Policy” buttons to off.
6. 5) Select “Submit.”

You can view your child’s task history by selecting the “Tasks” tab on their STAR profile. From there, you can select “Task History” at the bottom of the screen.

Your child can earn a trophy by completing any of the following requirements:

• Make 5 loan payments on time
• Pay off a loan
• Reach their savings goal
• Complete a monthly budget
• Complete 10 tasks

To request a loan, your child must:

1. Sign in to Online Banking or the RBFCU Mobile app.
2. Select “STAR Program” from the “View Services” menu.
3. In the STAR window, select the “Requests” tab.
4. Select “New Request,” then select “Request Money.”
5. In the “Reason” field, enter the reason for the loan.
6. In the “Amount” field, enter the amount of money requested.
7. Toggle the “Request a loan” switch on.
8. In the “Payment frequency” field, select a payment frequency. Your child can choose weekly biweekly or monthly payments.
9. In the “Loan Term” field, select a loan term. Your child can choose from one month, three months, six months or one year.
10. Select “Submit.”
11. Your child will receive a prompt that explains the terms of the loan they are requesting. By selecting “See loan details,” they can also view the amortization schedule for the loan they are requesting. Additionally, a disclaimer will notify your child that they will have to pay back more than the original amount requested because of interest, and that if the loan is approved, they will have to make the payments themselves according to the loan schedule. At the bottom of the prompt, your child will be asked “Do you still want the loan?” If everything looks correct, they can select “Yes.” If your child needs to make a change to their loan request, they can select “No” and make changes before submitting.
12. Once your child selects “Yes,” they will receive a prompt notifying them that their loan request has been submitted, and you’ll receive a notification that your child has submitted a new loan request.

To request money, your child must:

1. Sign in to Online Banking or the RBFCU Mobile app.
2. Select “STAR Program” from the “View Services” menu.
3. In the STAR window, select the “Requests” tab.
4. Select “New Request,” then select “Request Money.”
5. In the “Reason” field, enter the reason for the loan.
6. In the “Amount” field, enter the amount of money requested.
7. Select “Submit.”
8. When prompted “Are you sure you want to request $ from your parent?” they should select “Yes” if the amount is correct, and “No” if they wish to change the amount requested. If your child selects “Submit,” and then “Yes,” a notification will be sent to you to review the money request.

To submit their grades for a reward, your child must:

1. Sign in to Online Banking or the RBFCU Mobile app.
2. Select “STAR Program” from the “View Services” menu.
3. In the STAR window, select the “Requests” tab.
4. Select “New Request,” then select “Report Card Request.”
5. In the “Number of …” fields, enter the number of As, Bs and Cs or equivalent high marks received on their most recent report card.
6. Select “Submit.”

Note: Grades can only be submitted for a reward once per semester.

To view and complete tasks, your child must:

1. Sign in to Online Banking or the RBFCU Mobile app.
2. Select “STAR Program” from the “View Services” menu. This will take your child directly to their STAR profile.
3. Select the “Tasks” tab to view all tasks currently assigned to them.
4. Select the task they would like to mark as complete.
5. Select “Mark as complete.”
6. Once your child marks a task as complete, the status will show “Pending review.” You’ll receive a notification that the task is ready for you to review.

To view their place on the trophy leaderboard, your child must:

1. Sign in to Online Banking or the RBFCU Mobile app.
2. Select “STAR Program” from the “View Services” menu.
3. In the STAR window, select the “trophies earned this month” button next to their avatar photo at the top of the page.
4. Select the “Leaderboard” tab.
5. Your child can to view their place on the leaderboard for their household and their place on the leaderboard for all STAR program participants at RBFCU.

To view trophy progress, your child must:

1. Sign in to Online Banking or the RBFCU Mobile app.
2. Select “STAR Program” from the “View Services” menu.
3. In the STAR window, select the “trophies earned this month” button next to their avatar photo at the top of the page.
4. View trophy progress on the “Progress” tab.

To view trophies earned, your child must:

1. Sign in to Online Banking or the RBFCU Mobile app.
2. Select “STAR Program” from the “View Services” menu.
3. In the STAR window, select the “trophies earned this month” button next to their avatar photo at the top of the page.
4. 3) Select the “Trophies earned” tab.

Your child can submit their grades for a reward once per semester.

If you accidentally transferred too much money to your child when approving a task, money request or setting an allowance:

Make a transfer from your child’s account to your account on the Transfer Money to Myself or Joint page in Move Money in Online Banking or the “Transfer funds” option located in the settings wheel menu on the STAR program overview page.

You’re required to be a joint account owner on your child’s account to enroll them in the STAR program. Please follow the instructions in the email you received to be added as a joint owner on your child’s account.

RBFCU savings, checking and money market accounts can be used with the STAR program to provide rewards and money transfers.

When you unregister from the STAR program, your information within STAR will be deleted, including assigned tasks, requests for money and loans, and current loans to your child, regardless of whether payments have been completed. If you choose to reregister at a later date, you’ll have to set up your children, tasks assignments and loans again. Even if you unregister from the STAR program, your RBFCU accounts will remain open and active unless you choose to close them.

The interest charged to your child for their loan will be built into your child’s loan payments and deposited to the approving parent’s linked account.

If your child doesn’t make a payment on their STAR loan, you have the option to make a transfer from their account to yours as the joint owner on their account.

You can also make a loan payment for them by visiting their STAR profile and selecting “Make loan payment” from the overview screen.

If there are not enough available funds in your linked account to make the transfer, you’ll receive an error message and the transfer will not be completed.

To enroll in the STAR program:

1. Your child must have an active RBFCU account in good standing, and be the primary owner on their account.
2. You must have an active RBFCU account in good standing.
3. You must be listed as a joint owner on your child’s RBFCU account.
4. You’re required to have Online Banking access. It’s preferred that your child has their own Online Banking credentials. If you feel your child is too young to access Online Banking, parents have the ability to mark tasks complete and submit requests on their child’s behalf.

Loan requests should be used for items that would require your child to pay you back over a period of time, such as a new bike or a video game, and the loan would accrue interest, paid to the parent. Only one loan can be requested/open at a time.

Money requests should be used for smaller items, such as lunch money or money to go out with friends. This is not a loan, and your child is not required to pay you back. Your child can submit multiple money requests at a time.

The RBFCU STAR program encourages kids, teens and young adults to learn how to save money and build strong financial habits first-hand through an interactive tool available in your Online Banking account and the RBFCU Mobile app. STAR allows you to assign tasks to your young saver and financially reward them for successfully completing the tasks, getting good grades and making good financial decisions by easily transferring money from your RBFCU account to theirs.

You can also lend your child money, pay them an allowance and send them spending money through this simple tool. For every good financial decision your child makes, they’ll be awarded a trophy!

Only adults who are listed as joint account owners on your child’s account and enrolled in the STAR program will be able to access your child’s STAR account.

Funds will be transferred from the account of the parent who is signed in to Online Banking and accessing the STAR program. When approving tasks, money requests and loans, the money for these items will be transferred to the child’s account from the approving parent’s linked account.

If you don’t see your mobile phone number listed, please visit the Contact Settings page in your Online Banking account to add or update it.

To add or update your mobile phone number in the RBFCU Mobile app:

1. Sign in to the RBFCU Mobile app.
2. Select the profile icon in the top right corner.
3. Select “Profile Settings.”
4. Under “Manage Personal Info,” select “Contact Settings.”
5. On the Contact Settings screen, select “Phone” and follow the prompts to update your mobile phone number.

Once your phone number is updated in Online Banking, it will be listed when you’re on the STAR program registration screen.

The Children’s Online Privacy Protection Rule (“COPPA”) requires businesses to protect the online privacy of children. You are required to read and agree to the RBFCU STAR Agreement and Disclosure and COPPA Privacy Policy when registering your child for the STAR program.

You may not be listed as a joint owner on this child’s account. Please sign in to your Online Banking account to chat with a Member Service Representative, or call 210-945-3300 to resolve this issue.

No. Each loan must be paid in full before you can request a new one.

Yes. The STAR program allows your parent to pay you an allowance by setting up a recurring transfer from their account to yours.

To assign a task to yourself:

1. Sign in to Online Banking or the RBFCU Mobile app.
2. Select “STAR Program” from the “View Services” menu. This will open your STAR profile.
3. Select the “Tasks” tab.
4. Select “Assign Task.” Select a task from the drop-down list, or enter your own custom task and select an accompanying image.
5. In the “Amount Paid” field, enter the amount you’d like to be paid for completing this task.
6. In the “Due Date” field, enter the date by which you’d like to complete this task.
7. If you’d like to make this task recurring, select the “Recurring Task” button, and pick a frequency and end date for the recurring task, if applicable.
8. Select “Submit” when you’re ready to assign the task.

To set a budget with your parent:

1. Sign in to Online Banking or the RBFCU Mobile app.
2. Select “STAR Program” from the “View Services” menu.
3. On the “Overview” tab in the STAR window, select “Create/Update budget.”
4. With your parent’s help, enter your total deposits, expenses, short-term savings, long-term savings, charitable giving and spending goals for the month.
5. Once complete, select “Submit.”

You can earn a trophy by completing any of the following requirements:

• Make five loan payments on time
• Pay off a loan
• Reach your savings goal
• Complete a monthly budget
• Complete 10 tasks

Your parent must enroll you from their Online Banking account.

To request a loan, you must:

1. Sign in to Online Banking or the RBFCU Mobile app.
2. Select “STAR Program” from the “View Services” menu.
3. In the STAR window, select the “Requests” tab.
4. Select “New Request,” then select “Request Money.”
5. In the “Reason” field, enter the reason for the loan.
6. In the “Amount” field, enter the amount of money requested.
7. Toggle the “Request a loan” switch on.
8. In the “Payment frequency” field, select a payment frequency. You can choose weekly biweekly or monthly payments.
9. In the “Loan Term” field, select a loan term. You can choose from one month, three months, six months or one year.
10. Select “Submit.”
11. You’ll receive a prompt that explains the terms of the loan you’re requesting. By selecting “See loan details,” you can also view the amortization schedule for the loan you’re requesting. Additionally, a disclaimer will notify you that you’ll have to pay back more than the original amount requested because of interest, and that if the loan is approved, you’ll have to make the payments yourself according to the loan schedule. At the bottom of the prompt, you’ll be asked “Do you still want the loan?” If everything looks correct, select “Yes.” If you need to make a change to your loan request, select “No” and make changes before submitting.
12. Once you select “Yes,” you’ll receive a prompt notifying you that your loan request has been submitted, and your parent will receive a notification that you have submitted a new loan request.

To request money, you must:

1. Sign in to Online Banking or the RBFCU Mobile app.
2. Select “STAR Program” from the “View Services” menu.
3. In the STAR window, select the “Requests” tab.
4. Select “New Request,” then select “Request Money.”
5. In the “Reason” field, enter the reason for the loan.
6. In the “Amount” field, enter the amount of money requested.
7. Select “Submit.”
8. When prompted “Are you sure you want to request $ from your parent?” select “Yes” if the amount is correct, and “No” if you wish to change the amount requested. If you select “Submit,” and then “Yes,” a notification will be sent to your parent to review the money request.

To set/change your avatar photo:

1. Sign in to Online Banking or the RBFCU Mobile app.
2. Select “STAR Program” from the “View Services” menu.
3. In the STAR window, select “Change Avatar” from the three vertical dots menu at the top of the page.
4. Select the desired avatar for your profile.
5. Select “Submit,” and “Yes” when prompted “Are you sure you want to change your profile photo?”

To submit your grades for a reward, you must:

1. Sign in to Online Banking or the RBFCU Mobile app.
2. Select “STAR Program” from the “View Services” menu.
3. In the STAR window, select the “Requests” tab.
4. Select “New Request,” then select “Report Card Request.”
5. In the “Number of …” fields, enter the number of As, Bs and Cs or equivalent high marks you received on your most recent report card.
6. Select “Submit.”

Note: Grades can only be submitted for a reward once per semester.

To view and complete tasks, you must:

1. Sign in to Online Banking or the RBFCU Mobile app.
2. Select “STAR Program” from the “View Services” menu.
3. In the STAR window, select the “Tasks” tab to view all tasks currently assigned to you.
4. Select the task you’d like to mark as complete.
5. Select “Mark as complete.”
6. Once you mark a task as complete, the status will show “Pending review.” Your parent will receive a notification that the task is ready for them to review.

To view your place on the trophy leaderboard, you must:

1. Sign in to Online Banking or the RBFCU Mobile app.
2. Select “STAR Program” from the “View Services” menu.
3. In the STAR window, select the “trophies earned this month” button next to your avatar photo at the top of the page.
4. Select the “Leaderboard” tab.
5. You can view your place on the leaderboard for your household and your place on the leaderboard for all STAR program participants at RBFCU.

You can view your task history by selecting the “Tasks” tab on your STAR profile. From there, you can select “Task History” at the bottom of the screen.

To view trophy progress, you must:

1. Sign in to Online Banking or the RBFCU Mobile app.
2. Select “STAR Program” from the “View Services” menu.
3. In the STAR window, select the “trophies earned this month” button next to your avatar photo at the top of the page.
4. View trophy progress on the “Progress” tab.

You received this notification because your parent decided that more work is needed on the task you submitted as completed. When the task is complete, resubmit to your parent to review.

Loan requests should be used for items that would require you to pay your parent back over a period of time, such as a new bike or a video game. Only one loan can be requested/open at a time.

Money requests should be used for smaller items, such as lunch money or money to go out with friends. This is not a loan, and you are not required to pay your parent back. You can submit multiple money requests at a time.

The RBFCU STAR program encourages kids, teens and young adults to learn how to save money and build strong financial habits first-hand through an interactive tool available in your Online Banking account and the RBFCU Mobile app. STAR allows your parent to assign tasks to you and financially reward you for successfully completing the tasks, getting good grades and making good financial decisions by easily transferring money from their RBFCU account to yours.

Your parent can also lend you money, pay you an allowance and send you spending money through this simple tool. For every good financial decision you make, you’ll be awarded a trophy!

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.

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.

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.

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

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.

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

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.

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

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.

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 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 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.

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.”

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.

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, text message or email. 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.

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.

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 and email address: 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.

To use Manage Cards in the RBFCU Mobile app, tap “Manage Cards” in the bottom navigation. Select the credit or debit card you’d like to manage, and you’ll be given the options to:

• Activate a new card
• Select your card’s PIN
• View details for your card, like your full account number, expiration date and security code
• Freeze your card from making transactions if it is misplaced
• Report your card lost or stolen, which will issue a new card/number
• Request a replacement card
• Set spend controls and Alerts for your card
• Add your card to your Apple Wallet

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.

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.

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.

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 username and password. Get tips on creating a strong password here
   • To change your username and password: Select the profile icon, then “Profile Settings,” then “Security Center”
4. 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 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.

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.

Emails from RBFCU will come from an email address ending with “rbfcu.org.” However, please be aware that fraudsters can imitate legitimate email addresses.

RBFCU will only ask you to respond with ALLOW or DENY to an email message asking you to verify a sign-in attempt for your Online Banking account. An RBFCU email may ask you to visit rbfcu.org to sign in to your Online Banking account, but will never take you directly to an Online Banking sign-in page.

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.

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.

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).

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.

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.

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).

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 username and password if you deny a sign-in attempt. Visit the Security Center in your Online Banking account to change your credentials. To change your username and 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 “Username” or “Password,” and follow the prompts to change it. You can return to “Security Center” to change the other.

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.

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.