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Debit Cards, Mobile Banking, + More
Making your life easier, one service at a time.

Sign up for Red River Credit Union's free, convenient services, so you can bank when it's best for you. You'll become more efficient and save money allowing you to focus on more important things.

Please log into your secure Online Banking account to access the following services online:

  • Stop Payments
  • Order Checks
  • View Statements and Reports
  • Change Address, phone number, etc.
  • Check Account Alert

Log In

  • Online Banking

    Online Banking allows you to access your accounts and manage your money while relaxing at home, traveling on vacation, or working at the office. Enjoy all the benefits by signing up for Online Banking through an ID and password secured platform. Online Banking is safe, private, convenient, and free for Red River Credit Union members. Available services include:

    • Check Account Balances
    • Transfer funds between your accounts or Member-to-Member (M2M)
    • Perform remote account transfers1
    • Pay Bills2
    • Make loan payments
    • Review transaction history
    • View images of cleared checks
    • Set up Alerts and Notifications
    • Mobile Wallet (Apple/Google/Samsung)
    • Sign up for eStatements
    • eSignature3 (Remote Signature Approvals)

    1Fee of $2.00 per transfer to an external financial institution. Some restrictions apply to transfer services.
    2Fee applies to Rush Delivery service
    3Some restrictions apply to eSignature.

    New User Log In

  • Mobile Banking

    Enjoy the security of Online Banking with the convenience of an app. Popular features include:

    • Pay Bills*
    • Check Account Balances
    • Review Transaction History
    • Local and Remote Account Transfers
    • Make Loan Payments
    Android App on Google Play

    Security Features

    Red River Credit Union Mobile Banking is protected with TLS encryption, the same security protection used when logging into online banking from a web browser on a computer.

    • Password and security questions are required to login.
    • Inactivity time-out period.


    You must be a current Red River Credit Union member and signed up as an active user of Red River Credit Union Online Banking. Click here or contact us if you are not setup for Online Banking.

    *Fee applies to Rush Delivery service.

  • Bill Pay (Online/Mobile)

    Online and Mobile Bill Pay with Bill Discovery

    Bill Pay

    • FREE: No cost service*. Saves money spent on checks, stamps and envelopes. Unlimited number of Bill Pay transactions.
    • Convenience: Be in control of when your bills are paid by scheduling recurring payments so they will post automatically. Pay select companies electronically for faster processing.
    • Peace of Mind: Review past payment history for any payee. Create personal financial reports.
    • Secure: View bills from select companies online with bill presentment. No chance of checks written being stolen from mailboxes.

    *Rush Delivery Option: For last minute payments, a Rush Delivery option is available. Fee rate is disclosed when Rush Delivery service is selected.


    Bill Discovery

    • It’s simple. Bill Discovery removes the friction and manual process of adding bills to your Online Bill Pay account. Click Here to learn more about how Bill Discovery works.
    • It’s smart. After you provide your initial consent, Bill Discovery will identify from our biller network what bills are available for the customer to pay!
    • It’s fast. Once you select from recommended bills, payment details are immediately added to your Online Bill Pay account where you can update your payment details at anytime.

    Bill Pay Setup

    Security Recommendations

    1. If your mobile device becomes lost or stolen, access your account by logging into online banking using a computer and change your password immediately. You may also contact us during normal business hours at 903-735-3000 to change your password.
    2. Never store passwords on your smartphone. It's always best to commit these security details to memory and not record them anywhere, this includes applications that remember them automatically.
    3. Setting up a password to access your smartphone is always recommended to protect your phone if it gets lost or stolen.
    4. Do not download applications from untrusted sources. Criminals use infected documents and applications to spread their malware and compromise victim's smartphones. Never open an attachment or download an application from a person or website that you don't know or have doubts about.
  • Debit Card

    Stay connected to your money 24 hours a day. Debit cards* are more convenient than writing a check and safer than carrying cash. Enjoy these benefits:

    • No annual fee
    • No monthly service charge
    • Use your card instead of checks to make purchases in stores or online
    • FREE transactions at any Red River Credit Union, Dolphin Debit, or CO-OP ATM
    • Withdraw and transfer money from your savings, checking, and money market accounts
    • Access your Line of Credit loan
    • Check account balances
    • Accepted almost anywhere you see the Visa logo
    • Free enrollment for Visa Purchase Alerts

    Debit Card Activation - Call (888)691-8661 to activate a new Debit Card anytime (24/7) from your primary phone.

    PIN NOW - Call (888)891-2435 to change your Personal Identification Number (PIN) on your Debit Card anytime (24/7) from your primary phone.

    Fraud Text Alerts - If potential fraud occurs on your account, we want you to know as quickly as possible. When a suspicious transaction occurs, RRCU will automatically send you a text message from our Fraud Center asking you a simple YES or NO question about a transaction. Please respond to the message as directed in the text as quickly as possible. The message will also have a way to opt out of the Fraud Text Alerts. When in doubt about a text message, please contact our Phone Center at (903)735-3000.  

    EMV 3DS Secure Code One Time Passcode Terms and Conditions for online transactions using your Debit and Credit Card
    Please read these terms and conditions carefully and make sure you have fully understood before using this service. By using this service after you have read these Terms and Conditions shall mean that you have accepted such Terms and Conditions

    1. When making an online transaction that required OTP, the OTP will be sent to your mobile phone number already registered in Red River Employees Federal Credit Union’s system via SMS. You must then enter your OTP to complete your transaction on the page of your device’s screen when transacting online. Registration for OTP service is not required. If you are not able to enter the OTP, or authentication via this service fails, the merchant online will reject your card for this transaction. You agree that Red River Employees Federal Credit Union is not responsible for the rejection by such merchant to accept your card payments on the basis of this.
    2. By using this OTP service:
      1. You agree to provide your data required for the transaction authorization process in the use of this OTP service.
      2. You agree to keep the confidentiality of your card number or personal information that you have entered to this service.
      3. If you let someone else use your passcode to others, you will be responsible for all claims, losses and other consequences relating to all transactions that have taken place using this service.
      4. You understand that OTP service can be used only for transactions at the merchants online that have 3DS Secure.
      5. You agree that the Credit Union is not liable for losses arising from your failure to comply with these Terms and Conditions.
      6. You understand that messages and data rates may apply for using this service.

    To Report a Lost or Stolen Debit Card or Varsity Club Debit Card

    To place a block on your credit card during regular business hours, contact RRCU's Phone Center at (903)735-3000 or (800)822-3317. After business hours, weekends, or holidays, select Option 3 for a representative when calling the RRCU's Phone Center. Or, dial RO$EY at (903)793-3400 or (800)833-1528, choose Option 3 after your member sign-on for “Other Activities,” then Option 3 again to block the card.

    *EMV 3DS Secure Code One Time Passcode Terms and Conditions for online transactions using your Debit and Credit Card

  • Account Transfers

    Account Transfer

    Account transfers let you move money within your member number and to other members.

    • Move money to/from any account.
    • Pull money from your Line of Credit.
    • Make a loan payment.
    • Pay credit card.
    • Make recurring or schedule for a later date.
    • Easy to set up. Secure. Convenient.

    Remote Transfers

    Remote transfers allow you to send/receive money from another institution. You will need to verify your account through small penny transactions.

    • Pull money from another institution for FREE.
    • Send money to another institution for only $2 per transaction.
    • All accessible through your RRCU internet banking sign on.
    • Make recurring or schedule for a later date.
    • Easy to set up. Secure. Convenient.
  • Mobile Check Deposit

    Aim. Click. Deposit.

    Deposit your checks on the go, wherever you go, with RRCU “DeposZip” Mobile Check Deposit. DeposZip enables members to make deposits by using their supported smartphone or tablet to capture photos of the front and back of a check and submit for deposit.

    This service is available for eligible* RRCU members who are enrolled in Online Banking. Checks can be deposited into your RRCU Checking, Savings, or Money Market account.

    Some restrictions and limitations apply. See Terms and Conditions for details.

    How does it work?

    1. Choose your Deposit Account
    2. Take a picture of your check
    3. Tap Submit

    To get started, CLICK HERE for instructions for Apple and Android devices.

    How should I endorse the check when using DeposZip?

    1. The words "Mobile Deposit" should be above the Signature(s). Or check the box for Mobile Check Deposit.
    2. Signature(s) of all payees must be included.

    What checks are not accepted using DeposZip?

    • 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 order
    • Any item previously submitted for deposit whether electronically, remotely, or in person

    If I have questions, where can I go to receive help?

    To receive help troubleshooting the DeposZip product, you can call the Phone Center at 903-735-3000 or send us a message through your Online Banking.

  • Mobile Wallet (ApplePay, GooglePay, SamsungPay)

    Apple Pay / Google Pay / Samsung Pay

    Make secure purchases in stores, in apps, and on the web using your RRCU debit card in your Mobile Wallet. Use the app specific to your device and follow the in-app instructions to add your RRCU debit card. Get started using Apple Pay, Android Pay or Samsung Pay today!

    Look for this sign when paying in stores:


    Apple Pay

    Apple Pay is quick to set up, easy to use and works with your iPhone. Pay with your RRCU debit card with just a touch. And because your card details are never shared by Apple when you use Apple Pay, making payments with your iPhone, Apple Watch, iPad, and Mac is the safer, more private way to pay.

    How to set up Apple Pay? For iPhone, go to your Wallet app to add your RRCU debit card to Apple Pay. Follow the directions to activate your account.

    Where can you use Apple Pay? CLICK HERE to go to for the latest list of locations.

    Google Pay

    You already use your phone for just about everything. Now you can pay with it, too. Just add your RRCU debit card and start shopping in stores, in apps, and online. It's easy to set up and easy to use. Discover all the benefits in using the Android Pay at

    How to set up Google Pay? For an Android Phone, click the icon above, download the free Android Pay app and follow the directions to add your RRCU debit card.

    Where can you use Google Pay? Click Here to go to for the latest list of locations.  to go to for the latest list of locations.

    Samsung Pay

    Samsung Pay lets you carry your RRCU debit card on your Samsung devices. All you have to do is tap to check out. Keep your favorite RRCU debit card at the top of your mobile wallet. Learn more at

    How to set up Samsung Pay? For Samsung Pay, click the icon above, download the free app and follow the directions to add your RRCU debit card.

    Where can you use Samsung Pay? Click Here to go to for the latest list of locations. to go to for the latest list of locations.

    Mobile Wallet Terms and Conditions

    CLICK HERE for Mobile Wallet Service Terms and Conditions.

  • Visa Gift Cards and Reloadable Cards

    Visa® Gift Cards

    A Visa® Gift Card is the perfect gift no matter the occasion.

    • Instantly issued for immediate use.
    • Welcomed anywhere in the U.S. where Visa is accepted for purchases.
    • Fund load limits range from $10 to $1000.
    • Track transactions online.*
    • Choose from a selection of card designs – seasonal designs available.

    An initial fee of $2.50 will be charged at the time of purchase for members; $5 for non-members. A $2.95 monthly inactivity fee will be deducted each month from the card balance after 12 consecutive months of inactivity. Lost/Stolen replacement card fee of $5. Gift card is issued by MetaBank®, Member FDIC, pursuant to a license from Visa U.S.A. Inc.

    *Registration of gift card is required to track transactions.

    Reloadable Visa Prepaid Cards

    A Visa Reloadable Card is the perfect fit for members and non-members who want the convenience of a debit card.

    • Instantly issued for immediate use. Receive a personalized card after the second time funds are added.
    • Welcomed anywhere Visa is accepted for purchases, including point-of-sale (POS) purchases as a PIN or signature-based transactions and ATMs.
    • Fund load limits range from $20 to $3000.
    • Track transactions online.
    • Reload the card at any one of RRCU’s convenient locations.

    An initial fee of $6 will be charged at the time of purchase. A $4 fee will be charged for each fund reload. ATM, POS, Cash Advance, and Monthly Maintenance fees will be charged as applicable. Please see cardholder agreement for more details. Prepaid card is issued by MetaBank®, Member FDIC, pursuant to a license from Visa U.S.A. Inc.

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.