With the RRfCU mobile banking app you can Show
- View account balances, activity, and history *Primary forms include: State Driver’s License, State Identification Card, U.S. Government ID, U.S. Military ID, Alien Registration Card, Passport, or Matricula Consular. **Secondary forms include: any of the above listed Primary Forms of ID, Social Security Card, Voters Registration, Birth Certificate, State Government Identification, Bank Cards, Local Government Identification, Credit Cards, Company Identification, or Medicaid/Medicare. Open Membership Q: I know I have a record with Chex Systems can I still open an account?A: Yes, RRCU has what is called a Fresh Start Checking Account for members with a Chex System record. The account is monitored more closely than regular checking accounts and also has a $10 fee per month. After maintaining the account and remaining in good standing for 12 months*, the account can be upgraded to the MembersChoice Premier Checking or any other checking product offered by RRCU. Visit your local branch for details and to open a Fresh Start Checking account. Q: How do I send a Wire Transfer to RRCU?A: Send To: Catalyst Corp FCU For Credit To: Red River Employees FCU For Further Credit To: Member’s Name Q: How do I change my name on my account?A: To change a name on an account resulting from marriage, divorce, or a legal name change, a current state issued ID with the new name, along with legal documents showing the name change or a social security card displaying the new name is required. Q: How can I change my address?A: An address can be changed by stopping in at any lobby location. An address can also be changed by signing in to Online Banking, selecting the Your Homebanking tab, and clicking on change address. Sign in to Online Banking to change an address. Not an Online Banking user? Sign up for Online Banking today. ACCOUNT FAQQ: How can I place a stop payment on a check?A: Stop by a local lobby branch, call the phone center (903-735-3000 or 800-822-3177), or log in to Online Banking. Submit a Stop Payment in Online Banking. Not an Online Banking user? Sign up for Online Banking today. Q: How do I get a new debit card?A: A new instant issued debit card can be picked up at a local lobby branch during regular business hours. A debit card can be ordered by faxing, or mailing in THIS FORM. You can expect to receive a debit card in 15 business days. Note: The Express (drive-thru only) locations cannot issue debit cards instantly. Q: What do I do if my debit/credit card expires this month?A: When a debit card is going to expire, the card is good until the last day of the expiring month. A new debit card with the same card number will be sent at the beginning of the expiring month and can be expected to arrive in approximately 15 business days. If a member has not received a new card by the 25th of the month, RRCU recommends the member either stop by a local lobby branch or order a new card by fax, or email. Note: The Express (drive-thru only) locations cannot issue debit cards instantly. Q: My debit/credit card is missing, how can I cancel it?A: Debit cards can be canceled by stopping in at any branch office, or
Credit cards can be canceled by stopping in at any branch office, or
Q: When I try to use my debit card it will not work, and I have money, what is wrong?A: If all accounts are in good standing and there are no past due loans, then it is likely that the debit card has been restricted due to unusual transactions. This is done for account protection. To have the restriction removed, please
LOAN FAQQ: Do I qualify for a Skip-A-Payment?A: To qualify for a Skip a Payment you must meet the following
Apply Now NOTE: If your payment comes from another financial institution, that payment will still be taken out of that institution and deposited into the savings account with Red River Credit Union. Upon request, a check can then be issued to the member for that payment. Q: When applying for a loan by phone or by internet, how long does it take to get an answer?A: Provided the loan officer has all required information, contact will be made by the end of the next business day. If there are questions concerning your application, please CONTACT US or call our phone center (903-735-3000 or 800-822-3317). Q: When I pay my loan off how do I get my title?A: After a loan is paid off and all accounts are in good standing, the title will be mailed to the address on file within 10 business days. In order to receive the title the same day as payoff, one would need to make the payoff in cash or by a verifiable cashier’s check. The title can be picked up in our title department located at our main branch on Summerhill Road in Texarkana, TX. MORTGAGE FAQQ: What steps are involved in the mortgage application process?A: First, you'll complete our loan application. We encourage you to use our online application for more convenience. When completing the application, you will need to provide information about the home and your finances. It typically takes less than 20 minutes to complete. If you are unable to fill out the application online, please contact our Mortgage Department to have one emailed, or you may pick one up at any of our branch locations. After completing your application, one of our Loan Originators will contact you and answer any questions you may have. Your Loan Originator is a mortgage expert and will provide help and guidance along the way. They will ask you for any information required to make a decision about your loan. Typically, one of our Loan Originators will contact you within 24-48 hours after completing the application. Q: What kind of credit score is needed to apply for a home loan?A: Your credit score is only one of the many factors that go into approving your loan. A credit score is simply a number that reflects a multitude of credit-related factors such as loan balances, number of open accounts, past and current repayment history, public records (judgements, bankruptcies, and liens), etc. We have many different programs for various credit scores. Q: Can I apply for a loan before I find a property to purchase?A: Yes. After submitting your mortgage application, one of our Loan Originators will review your application and credit report. This review will confirm your target purchase price range and eligibility, giving you the knowledge to shop more confidently for that perfect home. Q: How much do I need for the down payment?A: This will depend on what type of loan program you can qualify for. We have programs from 0 down up to 20% down, based on program guidelines and borrower qualifications. Plan a budget strategy and set a goal to help you reach that mark. Q: Are borrowed funds acceptable as a down payment source?A: Yes, if that loan is secured by an asset that you own. This source of down payment funds should be carefully considered. Not only will it be an additional debt to repay, but it will also lessen the amount of income available to service your house payment. If you choose to borrow funds for a down payment, you must fully disclose this new loan on your application. You can also use gift funds from family members as a down payment. Q: What are closing fees?A: A home loan often involves many fees, such as the appraisal fee, title charges, closing fees, and state or local taxes. Many of these fees are typical and constant for all borrowers, while some are directly related to the borrower's credit profile and the loan type requested. Q: If the house that I'm buying appraises for more, can I use the difference (equity) towards my payment?A: Unfortunately, on any purchase transaction, we are limited to using the lower of the purchase price or appraised value. Later, should you refinance, we can then base your home's equity solely on the appraised value. Q: Will a past Bankruptcy or foreclosure affect my ability to obtain a new mortgage?A: If you've had a bankruptcy or foreclosure in the past, it may affect your ability to get a new mortgage. In general, most companies that we use require that two to four years have passed since the bankruptcy or foreclosure. It is also important that you've re-established an acceptable credit history with new loans or credit cards. Q: What is an appraisal and who completes it?A: An appraisal report is a written description and estimate of the value of the property. The estimated value is determined by two methods: sales approach and cost approach, with the sales approach usually given the most weight. The sales approach compares the subject property (your current/prospective home) with three other previous homes similar to yours that have sold within the last 6-12 months. Q: Can my child support or alimony be used as a source of income?A: Yes, as long as you have a court order showing that you receive it as income and that it will be ongoing for a certain period. ONLINE FAQQ: What is the Virtual Branch?A: The Virtual Branch was developed to provide members a suite of convenient online products and services. Safe and secure, our local Virtual Branch Team is dedicated to bringing you the personal, one-on-one attention you expect. From the comfort of your home, office, or on the go, our internet experts are a click away. We exist to serve your financial needs, providing personalized assistance with opening memberships, applying for a loan, online and mobile troubleshooting, establishing bill pay, or just logging in to ask us a question. Access Virtual Banking Q: Can I make a transfer to another membership number?A: Yes, by going to the Open Transfers and using the Add People option in online banking, transfers can be sent to other members within the credit union (M2M). Not an Online Banking user? Sign up for Online Banking today. If problems occur, please CONTACT US for troubleshooting help. Q: Can I make a transfer to and from another institution using my Online Banking?A: Yes, by going to the Open Transfers and using the Add Remote Account option in online banking, transfers can be sent and received from other institutions. Not an Online Banking user? Sign up for Online Banking today. If problems occur, please CONTACT US for troubleshooting help. Q: Why is my RRCU app not working?A: Deleting Cookies and Cache from a used device could allow the app to begin working properly. If deleting Cookies and Cache did not resolve the problem please try closing any unused apps that may be working in the background and restart the device. For trouble shooting help CONTACT US. *RRCU's app is not currently supported by Straight Talk service. Please contact your service provider to resolve service issues. Q: Why is it asking me about a PIN number with my iPhone?A: IPhone users are able to set up multiple member numbers using the RRCU app. The PIN number is used as a more convenient way of signing into the mobile application. DEPOSZIP FAQQ: What devices are supported by DeposZip Mobile?A: Models and devices include: The App Store
Google Play (i.e. Android)
Q: Are there any fees for using DeposZip Mobile?A: DeposZip is a free service. Return check fees still apply. Q: When will my funds be available when using DeposZip?A: Funds deposited into accounts may not be available for immediate withdrawal in cash, or to pay checks, debits or other withdrawals from the account. The length of delay varies depending on the type of deposit and is counted in business days (everyday, except Saturdays, Sundays, and holidays) from the day of deposit. In Most (but not all) cases, the funds from the deposit will be available: Next Day Availability
2nd Business Day after Deposit
Q: Do I qualify for DeposZip?A: Accounts must be in good standing. Other qualifications may apply. Q: How should I endorse the check when using DeposZip?A: The following items must be present on check:
 Note: Use mobile deposit check box if available on back of check. Q: What checks are not accepted using DeposZip? A: The following will not be accepted:
Q: Are there deposit limits to use DeposZip?A: Per check, daily, and monthly limits apply. See Terms and Conditions for more details. Q: When can I expect credit in my account?A: Deposits are reviewed twice each business day. Before 12PM deposits will have same day availability, deposits after 12PM may be subject to next day availability. Q: How are limits determined?A: Members typically receive the default limit. Higher limits will be considered for approval by Red River Credit Union and based on past check deposit history. A lower limit may also apply based on account and check deposit history. Q: How many checks can a member deposit in a day?A: There is no limit on the number of checks, as long as the total does not exceed the per day limit. Q: What causes a Preprocessing Failure or Fault after taking a picture of check?A: There are several reasons a member may get a Preprocessing Failure including the written amount line is not legible (specifically on hand-written checks), the image is not clear, the account number/routing number is torn/marked through, or the item is not recognized as a check. Q: How many times can a member attempt to take an image of a check?A: Members may take as many pictures of the check as needed to process the item. Any item duplicated (deposited more than once) will be considered fraud and the service disabled. Q: If I have a question concerning Online Banking, where can I go to receive help?A: To receive help troubleshooting our Online Banking Service, you can call the Phone Center at 903-735-3000 or send us a message through your Online Banking. Send us a message or Chat with a Virtual Branch Representative. Q: How will I know if my deposit was received?A: Communication will be sent via the email address we have on file. To confirm your email address is correct, log in to your online banking. Once you’re logged in, hover over your home banking menu option and select change email address. To receive help troubleshooting our Online Banking Service, you can
BILL DISCOVERY FAQHow does Bill Discovery work?Bill Discovery finds your bills for you for a faster more accurate setup. You can access Bill Discovery in Bill Pay via the "Add a Company or Person" section in Bill Pay on the new tab “Find My Bills”. Note: Selecting to access consumer credit report will not affect your credit score. How do I select bills?After providing consent, you are then provided with a list of bills found. What happens Bill Discovery didn't find or can't add a biller?Bill Discovery will let you know which billers were added to your account. If a biller can not be added, you can set up the biller manually using the "Add a Company or Person" options. See sample messages below. How do the bills I add appear in Bill Pay?Newly selected bills will show up within your Bill Pay account with full billing details and the opportunity to set up AutoPay or eBill. Will I get reminders and alerts on my bills?Yes, the system will search for additional bill billing accounts on an ongoing basis. If new bills are found, you will be sent an email encouraging you to add your new bill! How do I remove billers?In Bill Pay's Payment Center tab, find the "Dismiss" link next to the biller you wish to remove. Approve your decision in the popup to receive confirmation. Is Red River Bank a good bank?It is a traditional brick-and-mortar bank, which means in-person service, in addition to its online and mobile presence. On the whole, Red River Bank is a great bank that you should seriously consider at a rating of 4.3 stars out of 5 from our team.
What is the most trusted credit union?Best Credit Unions – November 2022. State Employees' Credit Union, APY: 1.01%, Min. Balance: $25.. Navy Federal Credit Union, APY: 0.25%, Min. Balance: $5.. Alaska USA Federal Credit Union, APY: 0.10%, Min. Balance: $50.. Members 1st Federal Credit Union, APY: 0.10%, Min. ... . America First Federal Credit Union, APY: 0.05%, Min.. Is a credit union as good as a bank?Like banks, credit unions accept deposits, make loans and provide a wide array of other financial services. But as member-owned and cooperative institutions, credit unions provide a safe place to save and borrow at reasonable rates.
Who owns Red River Credit Union?Red River Member Service Group, LLC dba RRCU Financial Services is a wholly owned subsidiary of Red River Employees Credit Union.
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Is Red River Credit Union a good bank?
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