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Account Services

ATM Card

You may access your account(s) 24/7 by ATM using your CO-OP card to:

  1. Get cash withdrawals from savings and checking accounts
  2. Transfer Funds from savings to checking and vice-versa
  3. Get information about your savings and checking account balance

ATM - Pin Change/Card Activation

To change your pin number or activate your ATM/Debit card, please call 1-800-992-3808.

VISA® Debit Card

Looks like a credit card, works like a check! Get convenient, worldwide access to your checking account with the VISA® Debit Card. Learn more »

Lost/Stolen ATM or Visa Debit Cards

For lost or stolen ATM or Visa debit cards, please call 1-800-472-3272.

Direct Deposit & Payroll Deduction

Payroll, Social Security checks, pension checks or any other government checks can be deposited directly to your checking or share account. Learn more »

Overdraft Protection/Courtesy Pay

Cover your insufficient funds checks, up to your approved limit, for one low fee per covered overdraft transaction. Learn more »

Audio Response

For 24-Hour access to Information about your account, use our Audio Response Service. Learn more »

Wire Transfers

REFCU offers low-cost domestic and international wires transfer service. Most payments are same day or within 24 hours. To do a same-day wire transfer, for domestic you must request the wire before 3:00 P.M and international before 1:00 P.M.  For more information please contact one of our member service representatives.


Online Banking

Use Online Banking to review account balances and history, transfer funds, review and change scheduled transfer, view transfer history, make loan payments and much more. Learn more »

Login to Your Online Banking Account

Mobile Banking (Touchbanking)

Use your smartphone or other mobile device to view your account activity, make transfers and pay bills. Learn more »

Bill Payment

Pay your monthly bills in the comfort of your own home. Learn more »


Simplify your life and help the Credit Union minimize its impact on the environment when you sign up for E-Statements. Learn more »

Credit and Budget Counseling

Through the partnership with Balance Financial Fitness Program, REFCU can help you get financially independent. Learn more »

Family Security Plan® Insurance

The Family Security Plan® was created to protect credit union members and their families from the financial hardships that are brought on by death, disability or sickness. Learn more »

Notary Public

REFCU also provides free notary services to our members at each branch. Signatures are notarized to protect against document fraud, certify that the signature is genuine and was made willingly and freely.

Just bring the document to be notarized with one of the following forms of photo identification: 

  • Driver's License
  • State ID
  • Military ID
  • Passport