Frequently Asked Questions

 

I am trying to transfer funds from my savings with my online banking app, but I keep getting an error message?

  • You may have reached your Reg D limit. You are only authorized to have 6 electronic or pre-authorized withdrawals from savings per month.

  • Your base shares has a $25.00 minimum, you are required to leave that amount in the account.

I just received a call or text from a company questioning a transaction on my account. Is this legitimate?

  • We have a monitoring company that will contact you if a transaction is done on your card that does not fit your normal purchases. This company is named Falcon and they will not ask you for any information about yourself or your card, just whether you approved a specific transaction. You also have the option to download the SecurLock Equip app from your smart phones app store (search SecurLock Equip)

  • I am trying to transfer funds from my savings with my online banking app, but I keep getting an error message?

  • You may have reached your Reg D limit. You are only authorized to have 6 electronic withdrawals from savings per month.

  • Your base shares has a $25.00 minimum, you would be required to leave that amount in the account.

I just received a call or text from a company questioning a transaction on my account. Is this legitimate?

  • We have a monitoring company that will contact you if a transaction is done on your card that does not fit your normal purchases. This company is named Falcon and they will not ask you for any information about yourself or your card, just whether you approved a specific transaction. You also have the option to download the Secur-Lock app from your smart phones app store (search SecurLock Equip) which allows you to turn your card on and off as you choose.

I paid my overdraft loan off in full, but it is still showing a small balance?

  • The balance that is remaining on your overdraft loan is the interest that has accrued. The interest on your overdraft loan accrues on a daily basis. The balance that is shown on your account summary does not include any interest that has accrued since the last transaction.

I used remote Deposit Capture to deposit my check, but it isn’t reflecting in my account balance?

  • Our Remote Deposit Capture product is processed manually by our Accounting staff. These deposits are processed 3 different times(Morning; Midday; Afternoon) during our normal business day (Monday-Friday). If you have used RDC during the weekend it will not be available in your account until our next business day.

What is the Credit Union’s Routing number?

  • The routing number for the credit union is 2116-9126-6. If you need this information to complete a wire transfer there are further instructions needed. (link for incoming wiring instructions)

I am going to be traveling, do I need to notify someone?

  • Yes, if you plan to use your debit card or River Valley Credit Union Visa Platinum credit card. You can contact any branch and give them the dates and places you will be traveling. We will make a notation on your accounts. Additionally, we will ask for the best way to contact you while you’re traveling.

How do I get the River Valley Credit Union app?

  • In order to use the RVCU app, you must first sign-up for online banking. You can sign-up for online banking through our website. On our home page, below the login section, select ‘New User’ and that will walk you through the sign-up process. Once you have complete that, you will be able to download and log into the app.

I was using the ATM and my card was taken by the machine, how do I get it back?

  • If you were using a River Valley Credit Union ATM, we will be able to return the card to you after 3pm the following business day at the location it was taken. You must bring photo ID into the branch and we will be able to retrieve your card and give it to you.

  • If you were using an ATM somewhere else, you would need to contact the institution where you were using the machine. In most cases, the practice is to destroy cards that were taken by the machine.

I am trying to use my debit card to make a large purchase, and I am getting denied.

  • Our debit cards have a preset daily purchase limit. If you know you are going to be making a large purchase, the credit union can increase the limit for a period of time to allow the transaction to be processed. Please contact one of our branches and we will be able to make the needed increase in a matter of minutes. If this is happening on the weekend, unfortunately we will not be able to make the increase until the following business day.

I tried to make 3 months worth of loan payments, but I am still showing due for 2 months from now?

  • Our computer system is only capable of advancing a due date 60 days. A member of our Loan department would be able to manually advance your due date. We do request that this be done on a case-by-case frequency. There are other options, for example an automatic transfer from a savings account, that can give you the ability to budget for many months in advance without needing to have your due date advanced.


I have misplaced my River Valley Credit Union Visa Platinum Credit Card, what should I do?

  • If the Credit Union is open, you may call and speak with a manager or a member of the consumer loan department and they will cancel your card and have a new one issued.

  • If the Credit Union is closed, please call 800-433-0505 and a member service representative or our Visa credit card provider will walk you through canceling the card.

My Debit card was lost and the Credit union is closed. What do I do?

  • You can contact our card company directly using 800-500-1044. They will put a block on your debit card. You also have the option to download the Secur-Lock app from your smart phones app store (search River Valley Credit Union) which allows you to turn your card on and off as you choose.

  • which allows you to turn your card on and off as you choose.

I paid my overdraft loan off in full, but it is still showing a small balance?

  • The balance that is remaining on your overdraft loan is the interest that has accrued. The interest on your overdraft loan accrues on a daily basis.

  • You can find your payoff amount:

  • On the App: It is shown in the “Transfers” dashboard when you choose where to transfer to.

  • On CU Online: It is shown when you select your Overdraft loan suffix and look at the details.

I used remote Deposit Capture to deposit my check, but it isn’t reflecting in my account balance?

  • Our Remote Deposit Capture product is processed manually by our Operations staff. These deposits are processed 4 different times (Morning; late morning; Midday; Afternoon) during our normal business day (Monday-Friday). If you have used RDC during the weekend it will not be available in your account until our next business day.

What is the Credit Union’s Routing number?

  • The routing number for the credit union is 2116-9126-6. If you need this information to complete a wire transfer there are further instructions needed. Please contact us for the instructions.

I am going to be traveling, do I need to notify someone?

  • Yes, if you plan to use your debit card or River Valley Credit Union Visa Platinum credit card. You can contact any branch and give them the dates and places you will be traveling. We will make a notation on your accounts. Additionally, we will ask for the best way to contact you while you’re traveling.

How do I get the River Valley Credit Union app?

  • In order to use the RVCU app, you must first sign-up for online banking. You can sign-up for online banking through our website. On our home page, below the log-in section, select “New User” and complete the sign-up process. Once completed, you will be able to download and log into the app.

I was using the ATM and my card was taken by the machine, how do I get it back?

  • If you were using a River Valley Credit Union ATM, we will be able to return the card to you after 3pm the following business day at the location it was taken. You must bring photo ID into the branch and we will be able to retrieve your card and give it to you.

  • If you were using an ATM somewhere else, you would need to contact the institution where you were using the machine. In most cases, the practice is to destroy cards that were taken by the machine.

I am trying to use my debit card to make a large purchase, and I am getting denied.

  • Our debit cards have a preset daily purchase limit. If you know you are going to be making a large purchase, the credit union can increase the limit for a period of time to allow the transaction to be processed. Please contact one of our branches and we will be able to make the necessary increase in a matter of minutes. If this is happening on the weekend, unfortunately we will not be able to make the increase until the following business day.


I have misplaced my River Valley Credit Union Visa Platinum Credit Card, what should I do?

  • If the Credit Union is open, you may call and we will cancel your card and have a new one issued.

  • If the Credit Union is closed, please call 800-433-0505 and a member service representative or our Visa credit card provider will walk you through canceling the card.

My Debit card was lost and the Credit union is closed. What do I do?

  • You can contact our card company directly using 800-500-1044. They will put a block on your debit card. You also have the option to download the SecurLock Equip app from your smart phones app store (search SecurLock) which allows you to turn your card on and off as you choose.

  • If you do have your card cancelled via the 800#, please be sure to contact the credit union when we are open and request to have a replacement card ordered.