Rocky Credit Union - Ownership, Community, Innovation

RCU has a variety of ways to bank to make your banking easier

Benefits of choosing E-Statements

It’s free: you can view your E-statements for free through Rocky Credit Union’s Online Banking.
More secure: no paper statements means no opportunity for lost/stolen statements. E-statements are accessed through Rocky Credit Union’s Online Banking, which is password protected.
Reduce clutter: make clutter a thing of the past. Your E-statements are available through Online Banking, so there’s no need to file a statement at home. We even keep past statements available for reference for up to 7 years, starting May, 2010.
It’s quicker: your E-statements are usually available through Online Banking within two business days of your statement date.
More convenient: access your statements whenever and wherever you want. E-statements are available anywhere you have access to the internet. You can even save your E-statement on your own computer.
Protect the environment: use E-statements instead of paper statements and help reduce paper consumption, along with decreasing the energy used to shred and recycle statements and inserts.

REVIEW THIS : To change your statement preferences- Log into your online banking, E-Statement preferences; ensure toggle is on E-Statement.

Interac Flash is a contactless payment functionality through Interac Debit. Interac Flash has all the benefits of Interac Debit, but allows you to pay for smaller purchases faster and easier. When making a purchase for less than $100, you can choose to use the functionality by simply holding your card in front of a supporting card reader at check out. Your purchases will be deducted instantly from your account. The transaction uses chip technology and relies on the same secure network as your Interac Debit card. No need to insert your card and enter your PIN, no more searching for bills or waiting for change. With Interac Flash it's like you're ready with the exact change every time.

Is Interac Flash Secure?

YES!

Interac Flash is Just as secure as Interac Debit. Interac Flash has a $400 limit per transaction, protective PIN verification when you reach the total spend limit of $400, with ZERO liability from the cardholder.

How to use Interac Flash?

When prompted on the card reader, hold your Interac Flash card no more than 4cm in front of the reader. When you hear a "beep" and/or "approved" message on the terminal it will acknowledge your transaction is complete, that's it!

Interac Flash is accepted at most merchants across Canada.

Interac e-Transfer®

Interac e-Transfer® offers you the convenience of texting or emailing money to friends and family almost instantly. It's the perfect solution if you need to split a bill in a restaurant, pay your portion of the rent or bills, send birthday cash to someone special, or pay for services such as babysitting or housekeeping.

Limits and Fees:

	Sending	Receiving
Per Transaction	$10,000	$10,000
Per Day	$20,000	$100,000
Every 7 Days	$30,000	$300,000
Every 30 Days	$40,000	$900,000

A non-refundable fee of $1.15 will be charged for sending an Interac e-Transfer

How can you benefit?

You can make or receive a transfer from anywhere, at any time using your computer or smartphone
Using Interac e-Transfer® is easy! Just sign into your online banking and click on 'Transfers'. All you need is your recipient's email address or cellular phone number.
It's fast...no more stops at the ATM or waiting for cheques to be cashed...the money leaves your account immediately and your recipient can receive the funds just a short time later.
It's affordable. Interac e-Transfer® costs less than bank drafts or money orders.
It's secure. Email or text is used for communication purposes but your funds are contained in our secure banking network. No account numbers or other financial institution information is required and a security question that YOU choose protects your funds being received by the wrong person.

Why choose Interac e-Transfer®?

Interac e-Transfer® is convenient and simple to use, it's secure so it can save you both time and money!

How do you send an Interac e-Transfer®?

You can send an Interac e-Transfer® from the 'Transfers' section inside your Internet Banking. Your recipient will also need to have access to Internet Banking at their financial institution to accept the transfer.

Autodeposit

The Autodeposit feature allows you to have money sent via Interac e-Transfer automatically deposited directly into your bank account, without having to answer the security question. For more information and to learn how to set yourself up for Autodeposit, visit the Interac website.

Request Money

Easily request money you are owed with the Interac e-Transfer Request Money feature. When you send a request for money, the recipient is notified instantly and can accept the request. If accepted, the requested amount will be automatically deposited into your account and you will be notified when funds are available. For more information and to learn how to Request Money, visit the Interac website.

ding free® from sea to sea

From BC to Newfoundland, credit union members have access to over 4,500 surcharge-free ATMs. Added up, that’s a bigger ATM network than most banks. And it’s all ding free®.

Leave ATM surcharges behind you.

We’ve all been dinged by surcharge fees at an ATM that wasn’t our own. But as a member of Rocky Credit Union, you don’t have to rely on our ATMs to keep from getting dinged ever again. In fact, you’re part of one of the largest surcharge-free ATM networks in the country.

Any credit union ATM is your credit union ATM.

Belonging to a national ATM network means you can bank ding free from sea to sea, with access to a national network of surcharge-free ATMs – a network bigger than most banks. Just look for a ding free sign on your ATM, and say goodbye to those pesky surcharge fees.

Get the ding free locator app today.

Available for iPhone, Android, Windows and Blackberry devices, our new ding free® locator app can help you find the nearest surcharge-free ATM – wherever you are. To get yours for free, visit ding-free.ca

Rocky Credit Union Internet Banking Alerts are here!!

At RCU, we try to help our Members in any way we can. That’s why we offer free online banking alerts that keep you up to date with your finances. Keep forgetting to pay your bills on time? Or need a reminder when your account hits a low balance? We have an alert for that!

Set alerts for almost any scenario through your online banking profile.
The most commonly used types of Alerts you can set up are:

Fraud Alerts (Security)
For your financial protection we offer four kinds of fraud alerts: New Payee Added, Password Change, ABM Transaction and Locked Account. Though we hope these alerts are never needed, in the case that fraud occurs you will be sent an email immediately. This is a peace of mind alert and is great to set up as a precautionary measure.

Minimum Balance Alert
Do you ever forget to leave enough money in your account to cover scheduled payments? Or spend more than your budget allowance? The minimum balance alert can be used for a variety of scenarios but has one main job – to let you know when you’ve reached a balance that’s not desirable. You can set this alert to a minimum balance of your choice.

Bill Payment Alerts
We offer two kinds of bill payment alerts. The first is a Bill Payment Notification, which notifies you when your bill has been paid, and the second is a Failed Bill Payment Alert, which lets you know when your bill payment has failed. You can use these alerts to avoid interest charges and to ensure you’re not damaging your credit score by not paying bills.

Pre-Authorized Credit Alert
This alert notifies you when there is money electronically deposited into your account. Our Members can use this alert to notify themselves when their pay cheque has arrived. This can act as a trigger to do online banking or as a reminder that there’s cash flow coming in. You can also set the threshold for this alert by choosing the amount that will require a notification.

NSF Cheque Alerts
We offer two NSF cheque alerts: Returned Item Alert notifies you if a cheque you wrote is NSF and Chargeback Alert notifies you if a cheque you deposited is NSF.

ATM Transaction Alert
Get notified when an ATM transaction or debit transaction on your account has been performed.

These alerts can be sent as a text message to your mobile device, as an email to your email address or both

Interac e-Transfer®

Limits and Fees:

	Sending	Receiving
Per Transaction	$10,000	$10,000
Per Day	$20,000	$100,000
Every 7 Days	$30,000	$300,000
Every 30 Days	$40,000	$900,000

A non-refundable fee of $1.15 will be charged for sending an Interac e-Transfer

How can you benefit?

You can make or receive a transfer from anywhere, at any time using your computer or smartphone
Using Interac e-Transfer® is easy! Just sign into your online banking and click on 'Transfers'. All you need is your recipient's email address or cellular phone number.
It's fast...no more stops at the ATM or waiting for cheques to be cashed...the money leaves your account immediately and your recipient can receive the funds just a short time later.
It's affordable. Interac e-Transfer® costs less than bank drafts or money orders.
It's secure. Email or text is used for communication purposes but your funds are contained in our secure banking network. No account numbers or other financial institution information is required and a security question that YOU choose protects your funds being received by the wrong person.

Why choose Interac e-Transfer®?

Interac e-Transfer® is convenient and simple to use, it's secure it can save you both time and money!

How do you send an Interac e-Transfer®?

You can send an Interac e-Transfer® from the 'Transfers' section inside your Internet Banking. Your recipient will also need to have access to Internet Banking at their financial institution to accept the transfer.