FAQs
E-Statement Questions:
Q: What is the difference between Online Banking & E-Statements?
A: Online Banking is for daily account access. This is where you look at your daily transactions, transfer money within your accounts, view prior activity, and more. E-Statements are electronic versions of your account statements available anytime you need them through Online Banking. E-statements are delivered directly to your email address instead of your mail box. E-statements arrive in your inbox quicker than paper statements arrive in your mailbox. When you sign up for Online Banking you are automatically enrolled in E-statements.
Q: How do I view my E-Statement?
A: When your e-statement is ready, RCU will send you an e-mail reminder. Log on to Rimrock Credit Union’s online banking, then click the statements tab and choose the appropriate month. You can view or print your statement.
Bill Pay Questions
Q: How do I sign up for online BillPay?
A: Signing up for BillPay is quick and easy. Simply Log onto Online Banking and select the “Bill Pay” tab at the top of the screen. Complete the easy enrollment form and you can begin paying your bills with ease.
Q: What are the benefits of online BillPay?
A: Online Bill Pay eliminates writing checks, buying stamps and envelopes. You control your payments by scheduling a single payment or a monthly payment. You can even schedule payments to occur when you are unavailable or out of town.
Q: How do I login to online Bill Pay once I have signed up?
A: Login to Online Banking and select the “Bill Pay” tab at the top of the screen.
Q: Can I make payments or transfers to external bank accounts within Bill Pay?
A: Yes. Once you have logged in and selected the Bill Pay tab, you may select “Transfers” to initiate transfers to external accounts. Please allow 1 – 3 business days for processing.
Q: How do I add an additional Account or payee?
A: Payees can be added within the Bill Pay function in Online Banking.
Q: Can I view previous payments online?
A: Yes, an 18 month account history is available online.
Q: Can I cancel a scheduled payment online?
A: Payments may be canceled online but there are some restrictions. When you look at your upcoming payments in BillPay you will see “Edit/Cancel” or “In Process”. If you see “In Process” the payment is being processed that day and you cannot change the payment yourself. If you see Edit/Cancel you may edit the payment date, amount or cancel the payment.
Q: How do I stop a payment that is “In Process”?
A: You must call your credit union to put on a stop payment. There are also some restrictions that apply. If your payment is “In Process”, the credit union may need some time to research how the payment was made (check or electronic). If a Check was written, you may request a stop payment on the check. If it is Electronic, you will need to wait until the merchant has given proof of payment. Then the electronic payment may be recalled. Allow enough time to process your request; there is a cutoff time of 1pm.
Q: How many days should I allow before the payment is made?
A: First time payments may take up to 10 days to clear. Future payments may take up to 5 days. Please allow 5 days for the payment to process. (Example: if your payment is due on the 15th of the month, set it up to be paid on the 10th.) If you are paying your bills in the evening, you should allow up to 7 days to clear because of business hours. Payments are not processed during weekends or holidays.
Online Banking Questions
Q: How do I sign up for Online Banking?
A: Go to our home page at www.rimrockcu.org and click on the link under Online Banking. Then click on the blue statement in the Enrolling or New Members box. Enter your member number and social security number, then fill in your email address and date of birth. After reading our online disclosure, click the box to agree to the terms. You will then need to create your login ID. You will use your login ID when using online banking in the future. The next step is creating your authentication questions. Choose three questions from the drop-down menu and type in their corresponding answers. At the bottom of this screen, you will need to create your confidence word. This is a word that will appear every time you log in, and it confirms that you are using Rimrock Credit Union’s website. Once you have completed these steps, you will receive an email from us with your temporary password. You will be asked to log in again to verify your confidence word by entering your temporary password, and you will be prompted to create a new password. The password must be at least 7 characters long with at least one upper case and one lower case letter. You will also be asked to choose and answer three security questions in case you forget your password. Please be sure to keep track of your login ID, password, authentication questions, confidence word, and forgot password questions. If you ever have problems, please give us a call and we would be happy to assist.
Q: Are there system requirements to access Online Banking on my computer?
A: Operating System – Windows and Macintosh
7.0 Internet Explorer
Firefox minimum of 2.8
2.0 and higher Netscape Navigator
3.0 and higher Mac Safari
7.0 Internet Explorer
Firefox minimum of 2.8
2.0 and higher Netscape Navigator
3.0 and higher Mac Safari
Pentium 1.2 Gigahertz Processor
512 MB Ram
54Kbps Internet Connection – Suggested
Q: What is the difference between Online Banking and E-Statements?
A: Online Banking is for daily account access. This is where you look at your daily transactions, transfer money within your accounts, view prior activity, and more. E-Statements are electronic versions of your account statements available anytime you need them through Online Banking. E-statements are delivered directly to your email address instead of your mail box. E-statements arrive in your inbox quicker than paper statements arrive in your mailbox. When you sign up for Online Banking you are automatically enrolled in E-statements.
Q: What do I do if I forget my password for Online Banking?
A: Click on the “Forgot Your Password?” link, answer the security question, and a temporary password will be emailed to you. If you experience problems, please call the credit union for help.
Q: How do I reset my password for Online Banking?
A: Once you are logged into Online Banking, click on the Services tab. This is where you can change any of your personal profile information.
Q: What is my Member Number?
A: Your member number is a unique number the Credit Union gave to you when you opened your account. If you are unsure, contact the Credit Union for confirmation.
Q: How secure is Online Banking?
A: Protecting your personal information is our highest priority. Online Banking uses 128-bit encryption and uses Multi-Factor Authentication (MFA) to provide additional measures of protection to our membership. In addition, monitoring is conducted 24/7/365 to watch for suspicious and malicious activity to stop threats, to prevent data loss, and to log activity. Vulnerability and Penetration tests are performed during the year to ensure the online applications and configurations are properly secured. Strong firewall rules exist between the User Interface Server and Data Access Server, and specific hardware configurations are utilized to mitigate unwanted threats. Proprietary communication mechanisms are utilized to further mitigate unwanted access.
Q: How long is my account history maintained in Online Banking?
A: Indefinitely, provided there is room on our server. Please contact us for more information.
Q: How do I view my account balances?
A: Simple, just log onto your Online Banking account and click the Accounts button.
Q: How do I view my account transaction?
A: Once you have logged into your account, a set of buttons will appear on the top of the screen. Choose the Accounts button and a list will appear of all your accounts. If you click on the individual account, the history will be displayed.
Q: Can I download my banking information?
A: Log onto your Online Banking account and select the Statement button.Your statement will be displayed in a PDF format that will allow you to print or save a copy.
Q: Can I make a loan payment online?
A: Yes, your loan will be an option in the drop-down box in transfers. You will be prompted to re-enter your password to finish the transfer.
Q: Can I transfer funds between accounts?
A: Yes, click on the Transfer button in Online Banking. You can perform a single transfer, or create a scheduled transfer depending on your needs. Choose the accounts from the drop-down box you wish to transfer to and from. You will be prompted to re-enter your password to finish the transfer.
Q: Can I cancel a scheduled transfer?
A: Yes, provided you are canceling the transfer the day prior to it occurring.