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Frequently Asked Questions
Quick access reference guide.


    Q: What is my routing number?

    A:  The routing number for RRCU is 311989331.

    Q: How do I set up Direct Deposit?

    A:  Your employer will require your full account number and set the Direct Deposit up for you. See next question for account number details.

    Q: What is my account number for Direct Deposit or ACH withdrawals*?

    A:  Your Account number is your 6-digit member number with 010 in front and 0 in back.
    For example: If your member number is 123456, you would use 0101234560 as your Direct Deposit account number.  

    If your member number is less than 6 digits, add more zeroes to the front to make it a total of 10 digits.
    For example: If your member number is 12345, you would use 0100123450 as your Direct Deposit account number.

    You then select Savings or Checking as the type of account.

    Your debit card number is NOT your member number or account number.  DO NOT use Debit Card number for Direct Deposit or ACH setup. 
    Call our Phone Center with any questions: 903-735-3000

    *RRCU is not responsible for direct deposits or withdrawals posted to incorrect accounts or returned due to use of incorrect account numbers, including missing or incorrect digits.

    Q: What is needed to start a membership at RRCU?

    A:  To start a membership at RRCU the following is required:

    • Primary* and Secondary** forms of ID.
    • $10 is required to cover the $5 minimum balance in savings and the $5 membership fee.
    • Also, the following information will be needed:
      • Full Legal Name as Listed on your DL
      • Social Security Number
      • Date of Birth
      • Driver’s License Number
      • Mother's Maiden Name
      • Employer/Occupation
      • Physical Address and Mailing Address
      • Phone Number (easiest to reach you at)

    *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
            Plano, TX
            Routing # 311990511

    For Credit To:

            Red River Employees FCU
            Account #311989331

    For Further Credit To:

            Member’s Name
            Members Account Number

    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.


    Q: 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 a request form available at any branch. 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

    • calling the phone center (903-735-3000 or 800-822-3317); After business hours use Option 3 to reach a representative.
    • dialing RO$EY, RRCU's automated teller by phone at (903-793-3400 or 800-833-1528), then choosing Option 3 after your member sign-on for “Other Activities,” and Option 3 again to block the card.
    • using the CONTACT US option on the website.

    Credit cards can be canceled by stopping in at any branch office, or

    • calling the phone center (903-735-3000 or 800-822-3317); After business hours use Option 3 to reach a representative.
    • dialing RO$EY, RRCU's automated teller by phone at (903-793-3400 or 800-833-1528), then choosing Option 3 after your member sign-on for “Other Activities,” and Option 3 again to block the card.
    • using the CONTACT US option on the website.

    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

    • call the phone center (903-735-3000 or 800-822-3317); After business hours use Option 3 to reach a representative.
    • use the CONTACT US option on the website.

    What is a Traditional IRA?

    It is an individual retirement arrangement (IRA) is a special domestic trust, custodial account, or annuity endorsement established to hold assets for an individual's retirement. It is a personal tax-deferred savings and investment plan. In all cases, the earnings on your Traditional IRA are tax sheltered from federal income taxes until you retire.

    What are the benefits of having a Traditional IRA?

    All taxpayers should have a savings plan to guarantee a financially secure retirement. IRAs can be an important part of this savings plan because they provide significant income for retirement and offer tax benefits along the way.

    How are Traditional IRAs established?

    A traditional IRA is created when an individual signs an IRA plan agreement. The financial organization must give a copy of the IRA plan agreement to the individual when the IRA is established. We must also give the individual a copy of the disclosure statement.

    How many Traditional IRAs may an IRA owner have?

    IRA owners may have more than one Traditional IRA. If an individual signs one set of opening documents and makes contributions for subsequent tax years under that same plan agreement, only one Traditional IRA exists. If an individual has more than one IRA, she/he must aggregate all their contributions made to Traditional and Roth IRAs for a given year to stay within specified annual contributions limits.

    What is the difference between a SEP IRA and a Traditional IRA?

    An IRA that accepts simplified employee pension (SEP) plan contributions (sometimes called SEP IRA) is nothing more than a Traditional IRA funded by employer contributions under an employer's SEP plan, or employee salary deferral contributions under a salary reduction SEP plan. Once the employer or employee makes SEP plan contribution to an IRA, the contribution becomes Traditional IRA assets subject to IRA rules and regulations.

    Who is eligible to make Traditional IRA contributions?

    Anyone with eligible compensation may contribute to a Traditional IRA. For 2019 and prior years, however, an IRA owner also had to be under age 701/2. The SECURE Act removed this age restriction, effective January 1,2020. Eligible compensation generally is what an individual earns from working. Effective for 2020 and later tax years, IRA owners with eligible compensation can make Traditional IRA contributions at any age.

    What is the difference between a Traditional IRA transfer and a Traditional IRA rollover?

    Traditional IRA transfers and rollovers are two methods of moving retirement assets between IRAs and retirement plans. With an IRA-to-IRA transfer, the assets are moved directly from one IRA to another, often from one financial organization to another, with no constructive receipt of assets by the IRA owner. In an IRA-to-IRA rollover, a financial organization distributes the IRA assets to the individual who subsequently makes a rollover contribution, if eligible, to the IRA. (If the check is made payable to the individual, they will take it to the financial organization as a rollover within 60 days). IRA-to-IRA transfers are non-reportable transactions, whereas rollovers are reportable.

    When must IRA owners begin taking money out of their Traditional IRAs?

    IRA owners must begin taking money out of their Traditional IRAs by April 1st of the year following the year in which they attain age 72(also known as the IRA owner's required beginning date). The minimum amount that the IRA owner must distribute for a given tax year is called required minimum distribution (RMD). Failure to remove the RMD results in an excess accumulation penalty tax equal 50 percent of the amount that should have been withdrawn.


    What is a Roth IRA?

    A Roth IRA is a type of IRA, first available January 1,1998, where contributions are not deductible, but distributions (including earnings) can be tax-free if certain circumstances exist.

    How are Roth IRAs established?

    A Roth IRA is created when an individual signs a Roth Individual Retirement Trust Account Agreement The financial organization must provide a copy of the agreement to the individual when the Roth is established.

    Who is eligible to contribute to a Roth IRA?

    To contribute to a Roth, an individual must have eligible compensation. Compensation for Roth IRAs is defined the same as for Traditional IRAs. Unlike Traditional IRA, there is no age limit for making contributions to a Roth IRA (if it is earned income).

    What constitutes a qualified distribution from a Roth IRA?

    A qualified distribution is a distribution of assets that are held in a Roth for at least five taxable years (beginning with the first taxable year for which the Roth IRA owner made a Roth IRA contribution of any kind to any Roth IRA) and one of the following events occurs.

    • Attainment of age 591/2
    • Disability
    • First-time home purchase
    • Death

    Are Roth IRA Earnings Tax – Deferred?

    Yes. The interest earned on your Roth IRA is tax-deferred.

    Can Funds from My Traditional IRA Be Rolled Over to A Roth IRA?

    Yes. There are specific rules that govern the process of rolling over funds from a Traditional IRA to a Roth IRA. We suggest you seek advice from a competent tax professional to confirm whether moving funds is beneficial to you.

    What are the rules for a Roth IRA to Roth IRA Rollover?

    Roth IRA-to-Roth IRA rollovers follow the Traditional IRA rollover rules. That is, such rollovers are limited to one rollover per 12 months, and generally must take place within 60 days of distribution.


    Q: Do I qualify for a Skip-A-Payment?

    A:  To qualify for a Skip a Payment you must meet the following

    • Loan must be at least 90 days old
    • Loan must not be more than 15 days past payment due date
    • No Skip a Payment for the previous 6 months
    • $30 fee for Skip a Payment
    • All accounts must be in good standing

    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.


    Q: 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.


    Q: 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.


    Q: What devices are supported by DeposZip Mobile?

    A:  Models and devices include:

    The App Store

    • IPhone 3GS or higher
    • IPod touch 4S or higher
    • IPad 2,3,4 and IPad mini

    Google Play (i.e. Android)

    • Smartphones with the Android 2.2 Operating System or greater
    • Android Tablets
    • No "Small Screen" support, i.e. all but "QVGA" 240wx320h are supported

    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
    (1st Business Day after Deposit)

    • U.S. Treasury Check (payable to you)
    • First $200 of total deposit for local checks

    2nd Business Day after Deposit

    • Local Check - All U.S. (non-foreign) checks payable to you that are not listed with "Next Day Availability"
    • State or local government check (payable to you)
    • Cashier's, certified, or teller's check (payable to you)
    • Reserve Bank check, Home Loan check (payable to you)

    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:

    • The words "Mobile Deposit" should be above the Signature(s).
    • Signature(s) of all payees should be included.
    Mobile Deposit Image

    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:

    • Any item drawn on your account
    • Any check previously returned
    • Any item that is stamped with a “non-negotiable” watermark
    • Any item that contains evidence of alteration to the information on the check
    • Any item issued by, payable by, or payable through a financial institution in a foreign country
    • Any item that is incomplete
    • Any item that is “stale dated” or “post-dated”
    • Savings Bonds
    • Traveler’s Checks
    • Credit Card Checks
    • Any check issued by a “Pay-Day Lender” or any other person or entity, in which your endorsement constitutes a loan contract
    • Any money orders
    • Any item previously deposited whether electronically, remotely, or in person

    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


    How 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”.
    Check one or both boxes next to “biller network” and “your credit report”, then select “Find My Bills” to provide Bill Pay with your initial consent to find your bills within Online Bill Pay.

    Bill Discovery Access Selection

    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.
    You can select which bills from the list you would like to add to your Online Bill Pay account and simply select “Add”.

    Selecting bills in Bill Discovery


    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. 

    Failed Biller add notifications


    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.
    These bills will also show up under the “Bills Due” section. You can dismiss or pay from this additional section.

    New Bill Additions



    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!
    Additionally, you may receive a “next billing statement” email with the full billing details and prompt to pay the bill, which is connected to your Bill Pay account.

    Types of BillPay notifications


    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. 

    Removing a Biller from BillPay

Red River Member Service Group, LLC dba RRCU Financial Services is a wholly owned subsidiary of Red River Employees Federal Credit Union. Financial services and insurance products are available to credit union members, but not provided by or guaranteed by Red River Employees Federal Credit Union.


Checking & Savings Options To Meet Your Financial Needs

Not signed up for Online Banking? CLICK HERE, call us at 903-735-3000 / 800-822-3317, or visit a local branch to get started.

Lending Options To Meet Your Financial Needs

Not signed up for Online Banking? CLICK HERE, call us at 903-735-3000 / 800-822-3317, or visit a local branch to get started.

Lending Options To Meet Your Financial Needs

Not signed up for Online Banking? CLICK HERE, call us at 903-735-3000 / 800-822-3317, or visit a local branch to get started.

Lending Options To Meet Your Financial Needs

Not signed up for Online Banking? CLICK HERE, call us at 903-735-3000 / 800-822-3317, or visit a local branch to get started.

Lending Options To Meet Your Financial Needs

Not signed up for Online Banking? CLICK HERE, call us at 903-735-3000 / 800-822-3317, or visit a local branch to get started.

Lending Options To Meet Your Financial Needs

Not signed up for Online Banking? CLICK HERE, call us at 903-735-3000 / 800-822-3317, or visit a local branch to get started.