Credit Union, Disclosures, Statement Inserts | RBFCU

Credit Union, Disclosures, Statement Inserts | RBFCU
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Forms & Disclosures
We have compiled various forms, disclosures and documents into one location to make it easier for members to find and print paperwork and manage their financial needs.
Banking
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Membership
Membership Agreement & Disclosures
Member Magazine: Your Guide to RBFCU’s Products and Services
Privacy Policy
USA PATRIOT Act Notice
Select Group (SG) Membership
General Information Form
Sample Letter
Checking and Savings Accounts
What You Need to Know About Overdrafts and Overdraft Fees
Funds Availability Policy
Electronic Fund Transfers Agreement and Disclosure
Questions Regarding Electronic Fund Transfers on Your Consumer Account Statement
Truth in Savings Fee Schedule
Truth in Savings Account Disclosures
Substitute Checks and Your Rights
Direct Deposit Authorization Form
Automatic Payment Authorization Form
ClickSWITCH Terms of Use
Notice for Error Resolution and/or Cancellation of an International Wire Remittance Transfer
Statement Reconciliation
Mail-in Deposit/Loan Payment Voucher
Identity Theft Coverage
MemberSafe
®
: Identity Monitoring & Resolution Services, Credit File Alerts, Identity Theft Protection, Cellular Phone Protection
Certificate of Insurance for IDProtect Plus and MemberSafe
Certificate of Insurance for IDProtect
Five Steps to Take Immediately If Your Identity Has Been Stolen
IRAs
Traditional IRA Application
Roth IRA Application
IRA Rollover or Conversion Review
IRA Required Minimum Distribution Election Form
IRA Contribution Instructions
IRA Designation or Change of Beneficiary Form
IRA Distribution Form
Request for Transfer or Conversion to an IRA
Simplified Employee Pension (SEP) Plan Document
IRS Form W-4R Withholding Certificate for Nonperiodic Payments
Traditional IRA Amendment
Traditional Beneficiary IRA Amendment
Roth IRA Amendment
Roth Beneficiary IRA Amendment
Online / Mobile Banking
RBFCU Online Banking User Agreement & RBFCU Mobile Deposit
®
Disclosure and Agreement
Online Banking Privacy Policy
Paperless Preference Agreement
RBFCUsend User Agreement and Terms & Conditions
Online Banking Account to Account (A2A) Transfers Authorization
RBFCU Bill Pay
®
Terms of Service
Mobile Wallet Agreement
ClickSWITCH Terms of Use
Other
Available Drive-Thru, ATM, Online/Mobile Banking and Self-Service Options
Deposit ATMs
ATM Self-Service Lanes
Make ATM Safety a Priority
Know the Facts - Cashier’s Checks
Safe Deposit Box Account Rental Disclosure
Medallion Signature Guarantee Program Checklist
A Financial Guide Following the Loss of a Loved One
Wire Transfer Services Agreement
Your Insured Funds (NCUA)
How Your Accounts are Federally Insured (NCUA)
Loans
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Auto Loans
Auto Loan Application
RBFCU Preferred Dealers List
Title and Lien Recording Instructions for Autos, Motorcycles, Recreational Vehicles, Boats, ATV, UTV, Jet Skis
Vehicle Buyer’s Check Instructions and Transferring a Vehicle Title
Vehicle Protection Package
Guaranteed Asset Protection (GAP) Plus with Deductible Assistance brochure
Mechanical Repair Coverage (MRC) brochure
Credit Insurance (CI) brochure
Other Vehicle Loans
Other Vehicle Loan Application
(Motorcycles, boats (excluding yachts), RVs, ATVs, personal watercrafts and specialized collateral)
Title and Lien Recording Instructions for Autos, Motorcycles, Recreational Vehicles, Boats, ATV, UTV, Jet Skis
Credit Cards
Credit Card Application
Interest Rates, Interest Charges and Fees for World Cash Back and Premier Rate Mastercard Credit Cards
World Cash Back Mastercard Pricing Terms and Agreement Billing Rights & Credit Card Disclosure
Mastercard Guide to Benefits for World Cash Back Mastercard Credit Cardholders
Travel Assistance Services
Worldwide Automatic Travel Accident & Baggage Delay
Common Carrier Trip Cancellation and Trip Interruption
Rideshare Protection
Concierge Service
Platinum Premier Rate Mastercard Pricing Terms and Agreement Billing Rights & Credit Card Disclosure
Guide to Benefits for Premier Rate Mastercard Cardholders: Worldwide Automatic Travel Accident & Baggage Delay
How to Request a Cash Advance or Balance Transfer
Savings Secured Mastercard Addendum to Cardholder Agreement
Notice to Co-Signer
Mobile Wallet Agreement
Personal Loans
Personal Loan Application
(Signature Loans, Lines of Credit, Share Secured,
Certificate Secured)
Credit Builder Loan Application
Line of Credit Agreement & Billing Rights Notice
Line of Credit (LOC) Account Acquisition Disclosure
Student Loans
Sallie Mae Smart Option Student Loan Application
Collections
Servicemembers Civil Relief Act Notice Disclosure
Home Loans & Realty
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Mortgages
Mortgage Application
(Use for adjustable-rate, fixed-rate, jumbo and land loans)
Buying a New Home: A Quick Start-to-Finish Guide
Your Mortgage Application Checklist
Maintaining Your
Financial Status
and Credit Score
The Road to Homeownership: Step by Step
What to Expect During the Mortgage Loan Process
NMLS Mortgage Loan Originator
Mortgages from A to Z: Terms You’ll Hear During the Homebuying Process
FHA & VA
FHA & VA Mortgage Application
Your Mortgage Application Checklist
What to Expect During the Mortgage Loan Process
Maintaining Your
Financial Status
and Credit Score
Buying a New Home: A Quick Start-to-Finish Guide
Certificate of Eligibility (COE) - VA Form 26-1880
First-Time Homebuyers
Buying a New Home: A Quick Start-to-Finish Guide
New Construction
New Construction Loan Application
What to Expect During the Construction Loan Process
Member Guide for New Construction Loans
Builder Guide for New Construction Loans
Home Equity/Home Equity Line of Credit (HELOC)
Home Equity/HELOC Loan Application
Texas HELOC Early Disclosure Statement
What You Should Know About Home Equity Lines of Credit
Home Improvement
Home Improvement Loan Application
What to Expect During the Home Improvement Loan Process
Homebuying & Selling Services
Appraisals - Frequently Asked Questions
Business
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Periodic Review Forms
Personal Financial Statement
Business Debt Schedule
Investment Property Worksheet
Business Credit Cards
Business Select Mastercard Pricing Terms and Agreement Billing Rights & Credit Card Disclosure
Interest Rates, Interest Charges and Fees for Business Select Mastercard Credit Card
Guide to Benefits for Business Select Mastercard Cardholders: Worldwide Automatic Travel Accident & Baggage Delay
How To Request a Cash Advance or Balance Transfer
Mobile Wallet Agreement
Business Accounts
Business Account Agreement and Fee Schedule
Business Account Requirements
Beneficial Ownership Form
Guest User Disclosure
Business Services
Contact Us
Business Solutions: Learn About All of RBFCU’s Business Products and Services
How to Install the RBFCU Mobile Deposit app for Windows
Newtek Payroll Processing
ACH Services
How to Accept Credit Card Payments
Web and IT Services
Select Group (SG) Membership
General Information Form
Sample Letter
Learn
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Request a Financial Education Presentation Form
Youth Ambassador Program Application
Worksheets
Budgeting & Personal Finance
Budgeting Worksheet
Building a Budget With 50/30/20
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Construyendo un presupuesto con 50/30/20
Goal Setting Worksheet: Build a Budget You’ll Stick With
Renters Guide: 6 Steps to Take When You Can't Afford Rent
Paying for Pets: Can You Afford a Pet?
Saving
SMART Financial Goals Guide: Worksheet to Help You Set a Financial Goal
Saving Strategy: Pay Yourself First — Make It Real
Responding to Financial Emergencies: Are You Ready?
Safety & Security
Identity Theft Workbook
Student Loans & How to Pay for College
Scholarship Application Checklist
Working & Earning an Income
Common Money Beliefs: Take the Quiz
Navigating Income Loss: Using Smart Goals to Get Back on Track
Become the Master of Saving with New Skills
Writing a Business Plan: From Idea to Action
Credit Union Advantage
Credit Union Myths: Match the Myth
Support Local: 30 Days of Challenges
It’s a Money Thing Junior
Borrowing Money Activity Sheet: Borrowing Blues
Borrowing Money Comic/Coloring Page: Interesting Interest
Giving Money Activity Sheet: Let’s Make Money Jars
Giving Money Comic/Coloring Page: Getting Good at Giving
Growing Money Activity Sheet: Investing Word Search
Growing Money Comic/Coloring Page: Grow Your Money By Investing It
Making Money Activity Sheet: What Do You Want to Be When You Grow Up?
Making Money Comic/Coloring Page: Career Choice Roller Coaster
Saving Money Activity Sheet: My Savings Goal
Saving Money Comic/Coloring Page: Getting Good at Saving
Spending Money Activity Sheet: Shopping Maze
Spending Money Comic/Coloring Page: Spending Peer Pressure
Guides
Budgeting & Personal Finance
A Guide to Understanding
Financial Terms (Glossary)
How to Build Your Budget
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Cómo construir tu presupuesto
Military Families & Veterans Financial Health: A Guide to Budgeting and Managing Money
Spending
Buying a New Home: A Quick Start-to-Finish Guide
Rental Agreements and Leases: Key Questions to Ask Before You Sign
Owning vs. Renting a Home: Weighing Your Options
Owning a Home vs. Renting
The Dos and Don’ts of Buying a Used Car
Leasing vs. Buying a New Car: To Lease or to Finance — That is the Question!
Saving
Avoiding Lifestyle Creep: Small Changes, Big Impact
Prepare for the Unexpected With an Emergency Fund
Retirement Savings Options
How Much Money Do You Need to Retire?
Keep Your Tax Bill as Low as Possible During Your Retirement
Budgeting for Retirement is Essential
Compound Interest: The Rule of 72
How to Save on Groceries: Coupon Clip Your Way to Savings
Simple Interest vs. Compound Interest
Understanding Inflation
Credit
How to Read Your Monthly Credit Card Statement
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Cómo leer el extracto mensual de tu tarjeta de crédito
How to Read a Credit Report
How is a Credit Score Calculated?
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¿Cómo se calcula una puntuación crédito?
Borrowing
Buying a New Home: A Quick Start-to-Finish Guide
Loan Prep and Common Terms
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Preparación de préstamos y términos comunes
Alternatives to Predatory Lending
Building a Debt Repayment Plan
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Construyendo un plan de pago de deuda
Investing
Trends in the Stock Market: What’s With the Bull and the Bear?
Share Certificates vs. Stocks
Investment Vehicles: Stocks and Bonds
Cryptocurrency Glossary
Safety & Security
What is Insurance?
Money Smart for Older Adults Resource Guide
What are the Warning Signs of Identity Theft?
How to Spot Email Phishing Scams
Creating an Online Personal Information Map
Student Loans & How to Pay for College
Sallie Mae: Your 1-2-3 Approach to Paying for College and Senior Year Checklist
Sallie Mae’s Countdown to College: Your Stress-Free Guide to Applications
Paying for School: 5 Things to Know Before Taking Out Student Loans
Working & Earning an Income
The 4 Factors of Your Income
Defining Your Dream Job
Acing the Job Interview: Preparation is Key
How to Read Your Pay Stub
3 Ways to Earn Extra Cash Online
Working from Home: Bring on the Fun with These Virtual Activities
Credit Union Advantage
Comparing Financial Institutions
How Do the 7 Co-Operative Principles Shape My Credit Union Experience?
Investments
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Request an Investments Appointment
Request More Information About Trust Services
Request a Retirement Appointment
Medallion Signature Guarantee Program Checklist
IRAs
Traditional IRA Application
Roth IRA Application
IRA Rollover or Conversion Review
IRA Required Minimum Distribution Election Form
IRA Contribution Instructions
IRA Designation or Change of Beneficiary Form
IRA Distribution Form
Request for Transfer or Conversion to an IRA
Simplified Employee Pension (SEP) Plan Document
IRS Form W-4R Withholding Certificate for Nonperiodic Payments
Traditional IRA Amendment
Traditional Beneficiary IRA Amendment
Roth IRA Amendment
Roth Beneficiary IRA Amendment
Insurance
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Homeowners Insurance
Request a Quote
Need assistance? Call RBFCU Insurance Agency at
210-564-2999
or toll-free at
1-888-564-2999
.
Auto Insurance
Request a Quote
Need assistance? Call RBFCU Insurance Agency at
210-564-2999
or toll-free at
1-888-564-2999
.
Vehicle Protection Package
Guaranteed Asset Protection (GAP) Plus with Deductible Assistance brochure
Mechanical Repair Coverage (MRC) brochure
Credit Insurance (CI) brochure
Business & Commercial Insurance
Request a Quote
Your Guide to Business and Commercial Insurance Solutions
Personal Insurance
Accidental Death & Dismemberment (AD&D) Insurance Application and Information
Hospital Accident Protection Insurance Application and Information
Life Insurance Application and Information
Travel Insurance
Pet Insurance
Request a Quote
Medicare Supplement Insurance Plans
Let’s Talk Medicare: Schedule an Appointment
Statement Inserts
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May 2026
Take a little mystery out of your financial future
March 2026
Don't let your home's equity go unused
Financing for every stage of homeownership
Pack the essentials. Bring the card.
February 2026
Your Perfect Match: Really Free Checking
Early Paydays are the Sweetest!
January 2026
Consolidate holiday debt with and RBFCU Mastercard
®
credit card
December 2025
Membership Agreement & Disclosures
Business Account Agreement and Fee Schedule
November 2025
Plan Financially for the Year Ahead
October 2025
Learn How to Identify Valid RBFCU Text Alerts
Online Security is Important for All RBFCU Members
Plan for Tomorrow
Annual Membership Meeting
September 2025
Turn fun nights into sun-soaked beaches!
The season is changing. So can your address with FHA & VA loans
Let's talk Medicare
August 2025
RBFCU Business Checking — Big or small, we're built for all
Mastercard Easy Savings
®
— Earn rebates on business purchases
Need INSURANCE? Check our rates
July 2025
Summer adventures are only a tap away
Time to sit back and unwind
June 2025
A better way to bank, starts with the way you live
Learn the
art
of retirement planning
Help Prevent Financial Exploitation
May 2025
Explore this summer with an RBFCU Mastercard
®
Take your financial strategies ...
to go
Go from financial
goals
to
strategies
April 2025
Privacy Policy
Make ATM Safety a Priority
Questions Regarding Electronic Fund Transfers on Your Consumer Account Statement
March 2025
Your dream homes awaits. Let's make it yours!
Embark on your next journey with the RBFCU Mastercard
®
Credit Card
February 2025
Leave a Legacy of Love — RBFCU Trust Services
January 2025
Funds Availability Policy Threshold Adjustments
Consolidate Holiday Debt with an RBFCU Mastercard
®
credit card
December 2024
Help Prevent Financial Exploitation
November 2024
Save for today. Invest in tomorrow
Prepare your finances for the future
October 2024
Online security is important for all RBFCU members
Helping you invest in life's big moments
Navigate salary changes with more confidence
September 2024
The great outdoors is calling! — Other Vehicle Loans
Autumn adventures await — Auto Loans
August 2024
Earning your trust by serving your business
Simplify your banking with the RBFCU Mobile
®
app
What teachers need to know about retirement
July 2024
Summer adventures, a tap away
Summer sun and the open road
RBFCU Account Reconciliation Research Fee Change
June 2024
The great outdoors is calling! — Other Vehicle Loans
Save for today. Invest in tomorrow.
ATMs and Locations
Contact Us
Become a Member
Really Free Checking