FAQs

Debit Cards

1. Where can I download the RFCU Cards app?
   1. Apple Store: https://apps.apple.com/us/app/rfcu-cards/id6450751476
   2. Google Play/Android: https://play.google.com/store/apps/details?id=com.riverbankfcu.cardsvcs.appstore&pli=1
2. What can you do with the RFCU Cards app/what is the RFCU Cards app?
   1. https://www.riverbankfcu.com/News/RFCU-Cards-is-here
   2. Simply register your card with our RFCU Cards app and you can:
      1. View your debit card transactions
      2. Lock or unlock your debit card
      3. Report a card lost/stolen
      4. Set alerts and controls for purchases
      5. Report an unauthorized transaction
3. How can you change or set your debit card PIN?
   1. We have a Card Services Helpline available 24 hours a day, 7 days a week that you can call 1-866-985-2273
4. How do I activate my card?
   1. We have a Card Services Helpline available 24 hours a day, 7 days a week that you can call 1-866-985-2273
5. How do I report my card lost or stolen?
   1. We have a Card Services Helpline available 24 hours a day, 7 days a week that you can call 1-866-985-2273, report it through the RFCU Cards app, or you can call us at 860-292-2940.

Loans

1. What types of loans do you offer?
   1. We offer a full suite of lending products, including:
   2. Vehicle Loans: New and Used Cars (https://www.riverbankfcu.com/Loans/Vehicle-Loans)
   3. Toy Loans: Boats, Jet Skis, ATVs, Snowmobiles, RV’s, Travel Trailers, Motorcycles (https://www.riverbankfcu.com/Loans/Vehicle-Loans)
   4. Personal loans
   5. Toy loans (RV, Golf Cart, Boat, Jet Ski, etc.)
   6. Home Loans (https://www.riverbankfcu.com/Loans/Home-Loans)
2. Where can I find your loan rates?
   1. Personal Loans: https://www.riverbankfcu.com/Rates/Loan-Mortgage-Rates
   2. Home Loans:  With low rates and terms set at 8, 10, 12, 15, 20 or 30 years, our mortgages provide just the right product for anyone.  https://www.riverbankfcu.com/Loans/Home-Loans
3. How do I apply for a loan/mortgage?
   1. https://app.consumer.meridianlink.com/apply.aspx?enc=Kw21Wblm1yxpjJabdoZaDxAE2emDeEhVHXSLep9sRnL3-cUILEXe6kiZrodRvSMtCJysQsGJK4XKBWSKocq8-YW-WigUJvUN4koBdcyJlQA
   2. Or come in and fill out an application in-person!

Accounts

1. What is your routing number?
   1. 211180159
2. How do I set up direct deposit?
   1. You can find our direct deposit form on "Services" tab under "Other Services" https://www.riverbankfcu.com/Services/Services/Other-Services or you can get one at the branch
3. How do I update my contact information?
   1. You can stop in the branch and fill out a change of address form, or fill out the form found here.
4. How do I order checks?
   1. You can order checks multiple ways. You can call the credit union and order them or you can order through the website. https://www.ordermychecks.com/login_a.jsp
5. Where can I find your Savings/CD rates?
   1. https://www.riverbankfcu.com/Rates/Savings-Rates
6. What kind of checking do you offer?
   1. We are proud to offer FREE checking.
7. What is Co-Op Shared Branching?
   1. With CO-OP Shared Branching, Riverbank Federal Credit Union is everywhere you are. No matter where you live, work, or travel, over 5,000 branches at credit unions from all over the country (Puerto Rico, Guam and military bases too!) are able to process your RFCU transactions for you.
   2. Available transactions include: deposits, withdrawals, loan payments, transfers, money orders, official checks, and more! All you need is your RFCU account number and valid government-issued photo identification.
   3. https://co-opcreditunions.org/locator/?ref=co-opsharedbranch.org&sc=1
8. What ATMs can I use surcharge-free?
   1. When you are away from RFCU’s ATM, be sure to use one of the nearly 30,000 ATMs in the CO-OP network to benefit from “surcharge-free” transactions. Aside from the thousands of credit union ATM locations, you can get cash at many popular retail locations such as Walgreens, Costco^® and 7-Eleven^®. So when you are out and about and need cash, the CO-OP ATM network is never far away.
   2. https://co-opcreditunions.org/locator/?ref=co-opatm.org&sc=1

Digital Services/Accessibility

1. How do I enroll in online/mobile banking?
   1. https://www.riverbankfcu.com/Services/Services/E-Services
2. How do I reset my online banking and mobile banking passwords?
   1. RFCU has a 24-hour Visa helpline ready to assist you with any debit card issues you may have, including transaction denials, lost or stolen cards, unauthorized transactions and more! Our 24-hour Visa helpline number is 866-820-0114. 
3. Do you offer phone banking?
   1. Yes! Simply dial (860) 627-2850 for 24/7 access to your accounts by telephone. You can check on deposits, cleared checks, balance information and transfer funds between savings, checking and loan accounts. Convenient access to your accounts when you are away from your computer or if you don't have internet access.

General

1. What is a credit union?
   1. A credit union is a not-for-profit financial institution that accepts deposits, make loans, and provides a wide array of other financial services and products. Deposits are insured by the National Credit Union Share Insurance Fund, which is managed by The National Credit Union Administration, commonly referred to as NCUA. Backed by the full faith and credit of the United States, the Share Insurance Fund insures the accounts of millions of account holders in all federal credit unions and the vast majority of state-chartered credit unions. The standard share insurance amount is $250,000 per share owner, per insured credit union, for each account ownership category.
2. Where are you located?
   1. 516 Spring Street, Windsor Locks, CT 06096
3. What are your hours?
   1. https://www.riverbankfcu.com/About-Us/Hours
4. Who can become a member?
   1. Riverbank Federal Credit Union is a locally based, community chartered federal credit union serving Hartford County. That means anyone who lives, works, worships, or goes to school in any of the towns of Hartford County and their immediate family members are eligible to open an account at the Credit Union.
5. How do I join?
   1. You can join in our branch or online.
6. Who is in charge?
   1. RFCU is a member-owned cooperative.  Two of our guiding principles are Democratic Control and People Helping People.  This extends to how the Credit Union is managed.  We have a paid professional staff led by our President & CEO, Charla Stetson.  Our staff works each day to move the mission of the Credit Union forward.  But did you know that our Board of Directors and our Supervisory Committee are composed of members who have volunteered their time and expertise to oversee your Credit Union?  This volunteer leadership is a differentiator between non-for-profit credit unions and for-profit banks. Learn more here: https://www.riverbankfcu.com/About-Us/Our-Volunteers
7. What are the benefits of membership?
   1. There are too many to list – but start here: https://www.riverbankfcu.com/Services/Benefits/Member-Benefits
   2. Find a co-op shared branching location wherever you are: https://www.riverbankfcu.com/Services/Benefits/CO-OP-Shared-Branching-ATM-Network
   3. Learn about our insurance partners here: https://www.riverbankfcu.com/Services/Benefits/CO-OP-Shared-Branching-ATM-Network