Help

Order checks with ease from right inside your Digital Banking account. Simply click on your checking share, then under the “Actions” menu, select “Order Checks.” Then you will be linked out to order checks.

Please be sure your current address is on your account, prior to placing your check order. If you need to change your address, please update it under your “Profile.”

Yes!

For a free check image copy, just log in to your account in Digital Banking.

From the Dashboard, click on the More Menu (3 dots), then select “Document and Statements.”
Your regular account statement will be under the “eStatements and Documents” section.

Remember, your mortgage information is found inside your member statement.
Click on the “Credit Card Statements” section to review your RadiFi credit card statements.

Statement copies are available inside Digital Banking up to 1 year.

Please view/download our Fiduciary Accounts Brochure for more information regarding:

• Representative Payee Accounts
• Estate Accounts
• Guardianship Accounts
• Trust Accounts

To open an account titled in the name of a trust, you will need to complete a Trust Account Agreement and provide a copy of the first page showing how the trust should be titled, a copy of the page designating the trustees, and the page naming the successors.

Trust Account

A Trust account is opened by an individual and managed by a designated trustee or trustees for the benefit of a third party in accordance with agreed-upon terms.

To open a trust account, you must provide the following:

• Certificate of Trust
• TIN or SSN for Trust

The trustees must be within our field of membership which means they must live, work, learn or worship within the 5 county area of Duval, Nassau, Baker, St. John’s of Clay County or they must be the family member of an existing member.

Yes, it will. Teens will not need to come in and open a different account when they turn 18.

Yes. A parent or guardian must be on the account with the teen.

Report lost or stolen debit cards immediately to 866-559-4806

We encourage the teens to load the card into Apple Pay or Google Pay so they don’t have to carry a card with them at all. We know they will be carrying their phones and won’t lose those. Also, losing a debit card is better than losing cash. If a child has cash and they lose it it’s gone forever. If they lose a debit card, we can shut it down and sometimes recover funds. We encourage your teen to call us if they lose their debit card. Card replacement fees apply.

We will deactivate your debit card. The next business day, we will need to speak to you to verify recent transactions. You can visit your nearest RadiFi branch to have a new debit card issued or upon your request, we can mail a new debit card to you that you would receive within 7-10 business days.

The age range is from 13-17.

Please visit any RadiFi branch and we can assist. We request the teen bring their student ID or state-issued ID.

Other credit cards may say they offer low rates, but RadiFi truly does offer low rates. We consistently review our rates to remain competitively low, and we have no annual fees, no over limit fees, and no inactive fees.

We have options for you no matter what sort of credit card you are looking for:

• Choose from our low-rate Platinum and save the most;
• CURewards and earn points for merchandise travel, gift cards, or charities;

Making our card first in wallet truly is rewarding for RadiFi members. We even offer Classic secured credit cards with a fixed rate for members who are looking to establish or rebuild their credit.

Lost or stolen credit cards can be reported around the clock to 800-449-7728, and in our Mobile App. We offer 24/7 cardholder service for our credit cards at (866) 820-6975.

Our credit cards come with 24/7 fraud monitoring and Verified By Visa to give you peace of mind.

We have several online self-service options and almost 10 different ways to make your credit card payment, making our credit card a convenient card to keep up with.
Visa Payment Options

Make one-payments:

• inside Online Banking
• with our Mobile App
• By phone at 904-475-8000 or 800-654-7728 ($5.00 fee)
• By US Mail
• In a branch

Set-up recurring Payments:

• inside Online Banking
• complete a form in-branch, or over the form at 904-475-8000

All of our credit cards come with Visa’s Auto Rental Collision Damage Waiver. Additionally, our Platinum cards automatically offer Travel and Emergency Assistance Services and Warranty Manager. For more information on how benefits work or on how to file a claim, call Visa Customer Care Services at (800) VISA-911.

Once you receive your RadiFi credit card, simply call 800-527-7728 from your home or cell phone we have on file to activate your credit card. Your card must be activated in order to use the card.

You can set up same-day, future-dated and automatic recurring funds transfers. The payment must be completed by your due date but not earlier than 30 days in advance.

Example: Your due date is May 31st; you cannot make your payment before May 1st. If your due date is May 15th, you cannot make your payment before April 16th.

Check out our Digital Banking guides on how to set these up your preferred way:

• Pay your RadiFi Loan from an outside bank
• Pay your RadiFi Loan using the payment portal
• Pay your RadiFi Loan using transfers

Payments can be set up to be paid automatically from your RadiFi savings or checking account with flexibility in scheduling: weekly, bi-weekly, or monthly.
If you set up the system to automatically take your loan payment from your RadiFi account, the payment is processed from your account the EVENING of the requested date.

Example: You have your loan set up to pull the automatic payment on the 15th of every month. The payment will run the evening of the 15th. If the 15th happens to fall on a Sunday or a holiday, then the system will run the loan payment the next business evening.

Check out our Digital Banking guides on how to set these up your preferred way:

• Pay your RadiFi Loan from an outside bank
• Pay your RadiFi Loan using the payment portal
• Pay your RadiFi Loan using transfers

The “Pay Now” option allows you access to the Online Payment Portal without creating login credentials like a username and password. This is a quicker payment option if you think this is a one-time payment method. If you think you will make payments with the Online Payment Portal then you should create your login credentials for easier access.

Need help getting started? View our Quick Start Guide

This portal allows you to pay a RadiFi loan with funds from another financial institution.
Need help getting started? View our Quick Start Guide.

No need to worry, you can simply click on the “Forgot username or password?” option on the main page, below the password field. Follow the on-screen instructions and you will be on your way to an easy payment.

Pay your RadiFi loan from any other financial institution using your checking account information (your other account, routing and transit number) OR a Visa® or MasterCard® debit card.

• Pay by checking account
• Pay by Debit Card

Need help getting started? View our Quick Start Guide

You may see the word “CHECK” on the Online Payment Portal. This lets you know you are accessing the portal to make a RadiFi loan payment using your other financial institution check account information. You will need your other account, routing and transit number.

You may see the word “CARD” on the Online Payment Portal. This lets you know you are accessing the portal to make a RadiFi loan payment using your other financial institution Visa® or MasterCard® debit card.

We incur a fee to process card payments. As a cooperative, we are passing the fee onto you for paying to cover the cost of this service.

We do not recommend using a credit card to make a loan payment. You will likely be assessed a cash advance fee from your other financial institution, in addition to the $9.95 RadiFi card loan payment fee. This is just shuffling debt and does not help you in the long run.

You should have the funds available in your non-RadiFi account or card when you login to make your payment. All payments submitted by 5 pm EST will be processed overnight and you should see your loan payment credited the next business day.

After you submit your payment you should see a “SUCCESS” message on the payment summary screen. You will also have the option to print a receipt or save the receipt to your computer. Finally, you will receive an email as your payment confirmation.

You will incur fees related to a returned payment. You will likely incur insufficient fees from your other financial institution as well. We are not liable for any fees related to an error in your scheduled payment.

Our Online Payment Portal doesn’t know if you made payments in other systems, like our Digital Banking, by mail, or automatic transfers. Please call us at (904) 475-8000 and we can assist you with reviewing your payment options and how to avoid duplicate payments.

A debit card is linked to your RadiFi checking account. You can use it anywhere Visa® is accepted, or use it to withdraw, transfer or deposit money through our ATM network. Using a debit card, you can make a purchase at a merchant and the money will come out of your RadiFi checking account. You can also select to get cash back when making a purchase at most retail stores.

When you use your debit card, the merchant will place a hold* for the funds of your transaction. This will show as a pending transaction within your account inside Digital or Mobile Banking.

*Please note that this is a hold put in by the merchant (not RadiFi). When the merchant completes the transaction, then the money is withdrawn from your account and shows in your cleared transactions. Some merchants may take longer to process the transactions, and you may have a transaction listed as pending for a few days.

We can print one for you at your local branch, or call us at (904) 475-8000 to have one mailed. We will need to verify that we have your current address and good phone numbers on file for your account.

Once you receive your RadiFi debit card, simply call 800-443-2664 from the phone number we have on file to activate your debit card. Your card must be activated to be used.

You will need to create a 4-digit PIN (Personal Identification Number) to allow transaction purchases. This number should not be given to anyone and not shared or easily guessable.

You should only use your debit card at reliable merchants. You should use caution when using your debit card for a hotel or car rental. If you use your debit card at a hotel or for a car rental, the company will put a larger hold on the account to cover extra costs that you may accrue. It is important to be aware of this so that you do not run into a situation in which your debit card may be declined because of the hold. Be sure to have additional money in your account if you use it for a hotel or a car rental.

You can also use card controls in our Mobile Card App to turn your card off/on, as well as set controls for how your debit card can be used

The best option is to use our Mobile Banking app on your smartphone. This allows you to check your checking balance before making a purchase with your debit card.

Yes, your checking account can be overdrawn with a debit card. Regularly checking your account balance using Digital Banking or a Mobile App can help prevent overdrafts. Please keep in mind that your debit card transactions process along with other transactions in your checking account. If you have checks clear later, you can find yourself overdrawn while using your debit card. It is important to keep a running balance on the account so that you know how much money you have available to you.

For example, a debit card transaction may not have cleared quickly, and your balance was larger than it should have been. Or, a deposit could have been delayed, leaving you with insufficient funds to cover your withdrawals.

If you have opted-in for Courtesy Pay on your debit card, then we allow you to overdraw your checking account to a certain dollar amount and simply charge you fees for each transaction that we pay into the negative.

It is not a good idea to give your debit card to anyone! You should never give out debit card information: card number, expiration, or 3-digit code (CVV) on the back.

Offer to set up a transfer within Digital Banking, or stop by one of our ATMs to withdraw cash instead.

Please contact us immediately at 866-559-4806 to report your card lost or stolen.

Within our Mobile Card App, go in and immediately turn off access to your Debit Card.

Call RadiFi to let us know that you have misplaced your card so that we can deactivate it. We will speak to you to verify recent transactions and ensure that no misuse has occurred.

Visit your nearest RadiFi branch to have a new debit card printed on-site or, upon your request, we can mail a new debit card to the address on file. Mailed debit card are received within 7-10 business days.

If you do not receive services or items that you have purchased, you may have a dispute with a merchant.

The first step to take if this happens is to contact the merchant and give them the chance to resolve the issue. Most issues can be resolved with the merchant directly.

However, if you have contacted the merchant and the issue was not resolved, contact us at 904-475-8000 for further assistance.

Examples of disputes with a merchant:

Subscriptions – monthly or annually, recurring charges: Amazon, Netflix, Xbox Live, Gym Memberships.
Trial Products – when you get a free sample sent to you; the trial has a recurring charge after the trial period ends. Be sure to read all the fine print!
Product Not Received – you order online or by phone and never receive the product.

If you have an unauthorized charge on your debit card with a merchant that you or any authorized party had no relationship with or did not initiate, immediately call us at 904-475-8000.

We will need to close your debit card to prevent any future fraudulent charges. Additionally, your help with answering questions to complete the fraud process will help keep your finances safe.

Click on the “Login” button located on our main page in the upper right corner then click “Register for Online Banking”. Provide the requested information and create a Digital Banking ID (Username) and Password.

If you forgot your password, click on the Forgot Password link. You will be asked to provide the answers to your Security Questions. Once you have answered your Security Questions correctly, you will be prompted to select a new password. This option will only work if you have not locked-out your account.

You may also contact RadiFi at 904-475-8000 to reset your password.

Yes. After logging into Digital Banking, select your Profile picture. In the drop-down menu, click Security. You may change your User ID or Password, and also set up Two Factor Authentication.

It means your password was entered incorrectly too many times when attempting to log into Digital Banking. You will need to contact RadiFi at 904-475-8000 to have your account reset.

An electronic signature, or eSignature is basically a digital signature that is inserted into a document and is legally binding according to the Federal ESIGN Act.

Electronic signatures are used for many kinds of documents and transactions, for both personal and business use. Some examples include contracts and agreements, loans and leases, forms and orders, and much more.

You can opt-out via phone: 904-475-8000

A secured e-mail in Digital Banking: online.radifi.org

Or visit one of our local branches and one of our Member Service Representatives will be happy to assist you.

If you receive Social Security Benefits, or other entitlement benefits, depositing to your checking account, you must opt-out if you do not want these funds used to pay an overdraft.

Yes, we do. Contact any associate to get referral information.

We require you to complete a budget worksheet and then we will schedule an appointment with our Certified Financial Counselor at no charge.

No. Courtesy Pay is designed to cover overdrafts from payments you authorize to others. You may not write a check for cash and present it at our teller line.

Courtesy Pay abuse can take many forms. Excessive Courtesy Pay activity is a sign of a cash flow problem, and the fees can add up. If we observe high levels of Courtesy Pay activity, payday lending debits, constant requests for fee refunds and/or structured transactions to skirt courtesy pay rules, we will exercise our right to discontinue this discretionary service.

Courtesy Pay will cover up to $500 in items clearing your account, including any applicable fees. RADIFICU will not charge a CP/NSF fee on more than five (5) items in a day. The Courtesy Pay fee is $34.00 per item.

Example: If you have 6 transactions that incur Courtesy Pay, we will only charge the fee on the first 5 items ($34.00 x 5).

Sometimes life can catch you off guard. If you have not pre-planned by requesting an overdraft line of credit, then we may pay your overdrawn items for you! Based on your deposit history and length of membership determine eligibility, we may waive the overdraft for a small fee if you are in good standing.

Your loan and credit card accounts with us are not past due.
You are not in default on any loan or other obligation with us.
There are no legal, administrative orders or levies against your account.
There are no pending bankruptcies or financial counseling arrangements.
Your mailing address record is current with us.
Your contact information with us is up to date.
There is no excessive use of Pay Day Lenders.
There is no excessive Courtesy Pay activity or abuse.
Once Courtesy Pay is used, any negative balance must be brought positive within 15 days*.

*We would like to clarify that when you bring your account positive, it must remain positive through close of business the same day.

Here is an example: Let’s say your account has been negative for 14 days. You make a deposit at noon bringing the balance positive but later that same day the account goes negative and remains negative at the close of business. On the following day, your account would have been negative for 15 days.

• If your account is still negative after 15 days, Courtesy Pay is suspended. You will not be eligible for reinstatement until the 25th of the following month. If your account is still negative after 25 days, Courtesy Pay will be terminated.
• At 45 days, we will report any negative balance to the credit reporting agencies as a charge off. Any negative balances after charge-off may be referred to an outside collection agency.

An electronic signature, or eSignature is basically a digital signature that is inserted into a document and is legally binding according to the Federal ESIGN Act.

Electronic signatures are used for many kinds of documents and transactions, for both personal and business use. Some examples include contracts and agreements, loans and leases, forms and orders, and much more.

DocuSign is the 3rd party vendor we use for delivering eDocs. They are the leader in this technology.

DocuSign’s electronic signatures are Secure. Each Electronic Signature is unique, documentable, encrypted, and tamper-evident. DocuSign provides a complete and extensive audit trail that serves as third-party validation of transaction completion, including information such as the signer’s email address, name, authentication method, IP address with a timestamp, and more.

RadiFi Credit Union requires a 4 digit access code. The access code will be provided to you by RadiFi separate from your document. You cannot access the documents to sign them unless you have the access code.

We are always here to help you. Just contact the RadiFi associate you were working with and they will gladly walk you through the eSigning process. The associate’s phone number should be on the email you received or call us at 904-475-8000 for further assistance.

External Transfer is a money movement tool that allows RadiFi Digital Banking members to transfer funds between your RadiFi accounts and your accounts at other financial institutions.

We process Electronic Funds Transfers (EFT) via the Automated Clearing House (ACH) secure network. We submit a request to the ACH network to transfer funds between the accounts you’ve specified. ACH then uses its secure channels to complete the transaction. This procedure is the same process employers use to execute direct deposit payroll entries and that financial institutions use to clear checks and carry out automated transfers of funds for payments on loans or mortgages.

Transferring funds into your RadiFi account (an Inbound Transfer) is free. There is a $2.50 per-transfer fee to move money from your RadiFi account to another Financial Institution (an Outbound Transfer).

There are limits on both the number of transfers and the amount of those transfers per banking day.

• One Inbound Transfer, cannot exceed $100 per day
• One Outbound Transfer, cannot exceed $100 per day

No, this feature is not available due to international legislation that varies across the nations.

Yes. You may set up a recurring external transfer by entering a frequency, start date and end date.

They might. Your external financial institution would be responsible for notifying you of any such charges.

We do not currently offer the ability to transfer loan/mortgage payments if they are with other financial institutions. However, you can transfer funds to make RadiFi loan payments within our Digital Banking.

Examples of eligible accounts types are: checking accounts, savings accounts, Money Market checking and Money Market savings accounts held at any Financial Institution that is able to accept ACH transfers.

You must first be a RadiFi Online Banking user. If you are interested in using this feature, then we will need to enable you for access. You can notify us by speaking to a branch associate, sending a secure online banking message, or calling us at 904-475-8000. Once we speak with you then we can process your enrollment. It takes about an hour to activate. You will notice the new External Transfer menu option under the Account Summary tab inside Online Banking.

Click on the External Transfers link, review the information and click Enroll. Review the Agreement and check I Agree and click on Submit.

On the next screen you will add the non-RadiFi accounts you want to use with this service by providing the bank name, ABA routing number, account number and selecting if the account is a checking or savings account. Once you submit this information, a small, random amount deposit is made into your non-RadiFi account within two days. You will then return to RadiFi Online Banking to verify the amount of that deposit within five days. You will not be able to make transfers to or from an account until it has been verified.

The ABA routing number is an identification number assigned to each financial institution and each branch office. The ABA number is a 9-digit number found at the bottom of your check, usually on the left-hand side.

RadiFi’s Routing Number: 263079234

In order to protect your security and maintain the integrity of the payments network, the account verification procedures are safeguards that help us ensure that you have legitimate access to the non-RadiFi account.

Click on the External Transfers link on the sub-menu under the Account Summary tab. You will be presented with the Add New Transfer screen where you will select the account to transfer from and to, enter the amount, and select a date. You’ll be brought to a confirmation screen where you’ll see the details of your external funds transfer request. If everything is correct, click the button labeled Confirm. To revise your request, click Edit.

You’ll be returned to the Transfer Funds screen, where you can make any necessary changes. When you’re ready, click Confirm once more. You will be given a confirmation number for your transaction. You can review pending transfers by clicking on the Pending Transfer link in the navigational menus at the top.

You can also view your history of completed transfers by clicking on the History link.

You can edit or cancel a transfer before it has been processed, however, we process transfers frequently during the day. Once your External Transfer request has been processed, you cannot cancel the transaction. Your best bet is to create a second transfer between the same two accounts sending the funds back to their point of origin (in effect reversing your first transfer).

A regular External Transfer will take one to two business days to complete. Please note that the completion of a transfer, including the availability of funds in the destination account and access to the transaction details, will depend in part upon how quickly the institution updates your account details.

The transfer will originate on the first banking day following the weekend or holiday.

The Secure Messaging Portal allows recipients of a secure message to read it and respond. It requires users to log in with their email address and secure messaging password before any messages can be accessed.

When a secure message is sent to you by a Mimecast user, you’ll receive an email notification like the one below.

To access the Secure Messaging Portal:

1. Click the link in the notification message. The Secure Messaging Portal login dialog is displayed.
2. Enter your Email Address.
3. Click the Next button. The Password field is displayed.
4. Enter your Secure Messaging Portal Password.
   If this is your first time logging in to the Secure Messaging Portal, see the First Time Users section below. If you already have login details for the Closed Circuit Messaging (CCM) Portal, these same details will work for the Secure Messaging Portal.
5. Click the login button. The Secure Messaging Portal is displayed.

First Time Users

If this is the first time you have accessed the Secure Messaging Portal, you’ll receive a separate email with the login details required to access the Secure Messaging Portal. This includes the email address to use and a temporary password. This password must be changed as part of the login process. This new password can then be used whenever you access the Secure Messaging Portal in the future.

To change your password:

1. Enter the Password displayed in the second email notification in the top field.

   If you use the “copy and paste” feature to copy the initial password, check this does not add an extra space at the end of the password. If it does, this will create an error preventing you from logging in.

2. Enter a New Password in the middle field.
3. Confirm the New Password in the bottom field.
4. Ensure the password meets Mimecast’s requirements.
5. Click on the Confirm button. The Secure Messaging Portal is displayed.

We do not currently offer foreign currency orders in advance of travel. However, you can refer to the following resources for additional help:

• Foreign airports offer currency exchange kiosks.
• Members can place a travel note on their RadiFi credit and debit cards so their card isn’t blocked in a foreign country. Fill out our Visa Travel Form to get started.
• The US State Department has a website with resources for members traveling abroad: https://www.state.gov/travelers/

Payments can be set up to be paid automatically from your RadiFi savings or checking account with flexibility in scheduling: weekly, bi-weekly, or monthly.
If you set up the system to automatically take your loan payment from your RadiFi account, the payment is processed from your account the EVENING of the requested date.

Example: You have your loan set up to pull the automatic payment on the 15th of every month. The payment will run the evening of the 15th. If the 15th happens to fall on a Sunday or a holiday, then the system will run the loan payment the next business evening.

Check out our Digital Banking guides on how to set these up your preferred way:

• Pay your RadiFi Loan from an outside bank
• Pay your RadiFi Loan using the payment portal
• Pay your RadiFi Loan using transfers

You can set up same-day, future-dated and automatic recurring funds transfers. The payment must be completed by your due date but not earlier than 30 days in advance.

Example: Your due date is May 31st; you cannot make your payment before May 1st. If your due date is May 15th, you cannot make your payment before April 16th.

Check out our Digital Banking guides on how to set these up your preferred way:

• Pay your RadiFi Loan from an outside bank
• Pay your RadiFi Loan using the payment portal
• Pay your RadiFi Loan using transfers

While qualifications vary for specific mortgage programs, the 2 main things needed are:

• a steady job with sufficient income to support your mortgage payment
• a minimum credit score of 640.

Other lenders may go as low as 580, but will be more costly!

100% Loan-to-Value (LTV) conventional, and 97% Home Possible mortgages.

80% loan-to-value (LTV) with cash out, 95% LTV with no cash-out.

Yes, 90% max loan-to-value (LTV).

PMI stands for Private Mortgage Insurance. This insurance is usually required until the amount of the loan is less than 80% of the property’s value. This can be achieved 3 ways :

1. a down payment of 20% of the purchase price
2. an increase in property value due to renovations/upgrades
3. over time with each payment.

There are some situations where this fee could be waived, so check with your mortgage professional to see if this option is available for your loan type.

Florida & Georgia.

The draw period is a 4-month period in which you can make scheduled advances on your preapproved loan amount.

During your loan consultation process, we will identify and approve a schedule of advances. An invoice is required prior to closing with the specific disbursement schedule requested by the contractor. Checks can be picked up at any branch office or mailed directly to you or the contractor.

Interest begins accruing with your first advance using the simple daily interest method.

No, this is a unsecured loan. There are no liens attached to your property.

The draw period is up to 8 years. The total payback period is a maximum of 20 years.

• The payment is re-amortized after each advance or rate change based on the remaining months of the original 20-year term.
• Payment Options: Automatic transfer, cash or check, and Digital Banking.
• Processing Time: Approximately 2-3 weeks.
• Home Equity Early Disclosure

If you are refinancing your first mortgage and do not want to pay off your current second mortgage or pay off and close your Home Equity Line of Credit, you must request Subordination from RadiFi Federal Credit Union.

• Company Payee: Use the most recent statement from that company available to provide your account details, such as Account Number, Phone Number, (Payees) Name on the account.
• Individual Payee: Start with the individual’s name and phone number and determine whether you would like the payment to be sent electronically or by check. If you want to pay them electronically, enter the individual’s Routing information and Bank Account number. To make a check payment, provide the mailing address.
• Bank/Credit Union Payee: Select account type: Savings, Checking, Loan or Credit Card and fill in all the blanks.

Inside Bill Pay, click on the Payments Tab and select Single Payment. On the left of the screen, click on the box next to the payee(s) you wish to pay. Next to the Payee, you will enter the amount to pay. Then select the date you with the payment to be delivered. Click Next to review your payment amount and delivery date.
Note: Under the Additional Items you will see a Process Date. The Process Date is the date in which your payment is sent to the Payee. For Electronic payments, this is when the funds will be deducted from your account. For Check payments, the funds will not deduct from your account until the check has cleared.

It works just like scheduling a single payment. The difference is under the list of payees; you check all the payees you wish to pay. As you click on the payees, it will list them in the middle of the page. Just enter the amount you want to pay next to the desired payee and the date you want the payment delivered. Continue down the list until you have scheduled payments for all desired payees. Then click Next.

Inside Bill Pay, you can view a list of your Payees. Under each Payee name, you will see the payment method for that payment. It will display either Check or Electronic.

For payments sent electronically, the delivery time frame is typically 2 business days. If the payment is sent by check, it will take around 5-8 business days.

• If your payment is sent electronically, the funds are withdrawn from your account on the process date, which is 2 business days prior to the delivery date.
• If your payment is sent by check, the funds are withdrawn when the check clears. A physical check is mailed to the Payee. It will clear your account just like a personal check would if you had written it yourself.

Yes. If you have more than one Checking Account under the same account number, you can use either one to pay bills. During the process of scheduling your payment, you have the option to change the ‘Pay From’ field. There is a drop menu for the Checking account. If you have another Checking account you wish to use, just click on the drop down menu and change the share.

This portal allows you to pay a RadiFi loan with funds from another financial institution.
Need help getting started? View our Quick Start Guide.

The “Pay Now” option allows you access to the Online Payment Portal without creating login credentials like a username and password. This is a quicker payment option if you think this is a one-time payment method. If you think you will make payments with the Online Payment Portal then you should create your login credentials for easier access.

Need help getting started? View our Quick Start Guide

No need to worry, you can simply click on the “Forgot username or password?” option on the main page, below the password field. Follow the on-screen instructions and you will be on your way to an easy payment.

Pay your RadiFi loan from any other financial institution using your checking account information (your other account, routing and transit number) OR a Visa® or MasterCard® debit card.

• Pay by checking account
• Pay by Debit Card

Need help getting started? View our Quick Start Guide

You may see the word “CHECK” on the Online Payment Portal. This lets you know you are accessing the portal to make a RadiFi loan payment using your other financial institution check account information. You will need your other account, routing and transit number.

You may see the word “CARD” on the Online Payment Portal. This lets you know you are accessing the portal to make a RadiFi loan payment using your other financial institution Visa® or MasterCard® debit card.

We incur a fee to process card payments. As a cooperative, we are passing the fee onto you for paying to cover the cost of this service.

We do not recommend using a credit card to make a loan payment. You will likely be assessed a cash advance fee from your other financial institution, in addition to the $9.95 RadiFi card loan payment fee. This is just shuffling debt and does not help you in the long run.

You should have the funds available in your non-RadiFi account or card when you login to make your payment. All payments submitted by 5 pm EST will be processed overnight and you should see your loan payment credited the next business day.

After you submit your payment you should see a “SUCCESS” message on the payment summary screen. You will also have the option to print a receipt or save the receipt to your computer. Finally, you will receive an email as your payment confirmation.

You will incur fees related to a returned payment. You will likely incur insufficient fees from your other financial institution as well. We are not liable for any fees related to an error in your scheduled payment.

Our Online Payment Portal doesn’t know if you made payments in other systems, like our Digital Banking, by mail, or automatic transfers. Please call us at (904) 475-8000 and we can assist you with reviewing your payment options and how to avoid duplicate payments.

Mobile Check Deposit allows you to use your smartphone to take a picture of a check you want to deposit into your RadiFi checking or primary savings account. It is available for free in our Mobile App.

We will make every effort to release your deposit as soon as possible. Generally speaking, mobile deposits are posted to your account within 1 business day. Funds may still be on hold after they are deposited. If there are compensating balances in your account, then the system could release your deposit the same day. Our standard check holds may apply. Please refer to our Funds Availability Policy for specific information.

After we post your deposit, a share-hold will be placed on the account for any related holds. To see if your account has this hold, just log in to Online Banking, go to Other Services, then select View Holds. You will see the amount of the hold, along with a description that reads Mobile Hold.

The maximum deposit amount for Mobile Check Deposit is $2,500. There may be other limits such as the number of checks you can deposit in one day. Generally speaking, we will allow most members to deposit up to 3 items per day.

Yes. We would like you to endorse the back of your check deposit with the following:

• Your Signature
• For Mobile Deposit Only
• Your Account Number

This will help you know that you made a deposit with Mobile Check Deposit and avoid you bringing the check to a branch for duplicate deposit.

The app itself is very intuitive and will give you specific instructions on how to fix an error you receive. Ex: “Could not find endorsement on back of check: make sure check is endorsed! Retake photo” – this error reminds you to look to see if you endorsed (i.e. signed) the back of the check.

If you need assistance with making a Mobile Check Deposit, then please call us at 904-475-8000 or visit your local branch.

Yes. Mobile Check Deposit is available for all of your basic checks deposits, ex: local checks, payroll check, etc. The check must be made payable to only you.

The following items should not be deposited via Mobile Check Deposit:

• Checks made payable to Cash
• Savings Bonds
• Foreign (international) items
• Treasury Checks
• Money Orders
• Social Security Checks
• Any check that has been altered

If you deposit these items, then your deposit may be voided and not credited to your account. We will email you if this situation occurs on your account. You may still bring these types of check items into a branch location, and we may be able to assist you with the transaction(s).

We will void and adjust the check deposit if we receive notification the funds are not good. You will be responsible for any related fees for this situation. Repeated issues of this nature may result in your Mobile Check Deposit access being permanently restricted.

Yes, if your account status* changes with us, then we may restrict your Mobile Check Deposit access.
*Account status means if you are delinquent on any loans with us, if you make fraudulent deposits or if we have bad contact information for your accounts, such as a bad address or phone numbers.

No. Mobile Check Deposit is setup to make deposits to your account only. If you would like to write a check to another RadiFi member, then they may be able to use Mobile Check Deposit to make their deposit.

We recommend you hold on to the mobile deposit until you receive your next monthly statement. This check should be treated as a receipt.

Mobile Check Deposit will display a pending status until we review your deposit item. The status will change to Complete after we approve the deposit. The status will change to Rejected if we return the deposit. You should see your authorized deposits in your account within 1 business day or sooner depending on the time of day you make the deposit.

Mobile Check Deposit will display “rejected” if we return the deposit. You should receive an email from us indicating the reason your deposit was rejected. Depending on the situation you may need to bring your deposit into a branch for further credit.

The Mobile App has deposit history available for your review. Please check this location first to see if you see the deposit. You can also log into Digital Banking to see if the deposit has been credited to your account.

You can search for RadiFi Credit Union in the App Store for Apple devices or Google Play for Android. You can also find the links to our Apps on our Digital Banking page.

Yes! Our Online Banking and Mobile Banking App are all-inclusive.

Yes, the Mobile App utilizes best security practices such as HTTPS, 128-bit SSL encryption, and site time-out when the session expires. In addition, no account data is ever stored on your phone. And in the event your phone is lost or stolen, the service can be immediately disabled by calling the number on the back of your card, 866-820-6975.

Download the app from the store, grab your credit and/or debit card, and register from the phone. You will verify your identity, select security questions, and create a sign on using your digital banking User ID and Password.

• Android App
• Apple App

Google Pay is the new way to pay with your smartphone, offering simplicity, security, and choice. Simply unlock your phone and place it near a contactless terminal, and your payment is complete.

• Android™ device with OS KitKat or higher
• Google™ account
• Screen lock enabled

First, download the Google Pay app from the Google Play^™ Store. If your RadiFi debit and/or credit card are already linked to your Google account, you can simply add it to the Google Pay app by confirming a few details. To add a new card, it’s as simple as snapping a picture.

1. Unlock your device (no need to open the app).
2. Hold the back of your device near a contactless payment terminal.
3. Your phone will beep or vibrate, and you’ll receive a confirmation on-screen letting you know the payment was made.

You can use Visa debit and credit cards with Google Pay.

We are in the process of updating our physical cards. Your card should look like the card in the app soon.

The first card you add to Google Pay will automatically become your default card. To change your default, do the following:

1. Open Google Pay.
2. Tap on your preferred card to get the “back of card” view.
3. Select “Set as default card”.

You’ll delete your old card from Google Pay and add your new one. To do this, do the following:

1. Open Google Pay.
2. Select the card you want to delete to get to the “back of card” view.
3. Select “Remove card”.
4. To add the new card, simply press the “+” symbol and follow the step-by-step instructions.

Yes. When you use Google Pay, your RadiFi card number isn’t stored on your phone or given to the merchant. A unique virtual account number is created specifically for that card on that device. You still enjoy all the benefits of your RadiFi credit or debit card, which includes our Zero Liability policy that protects you from unauthorized purchases.

Google Pay is accepted at millions of places around the world. You can use it anywhere you see either of these symbols at checkout:

Stores and apps that accept Google Pay

Yes. Be aware that message and data rates may apply, depending on your data plan.

More information is available at https://pay.google.com/about/

Samsung Pay is a safe and simple way to make mobile payments with select Samsung Galaxy devices, and it works at almost any retailer where you can swipe or tap your card.

Samsung Pay uses proprietary technology that works with both Magnetic Secure Transmission (MST) and Near-Field Communication (NFC) to make contactless mobile payments. MST and NFC enable you to make secure transactions at virtually every card reader where you can swipe or tap your card.

Samsung Pay works almost anywhere you can swipe or tap your card. From the grocery store to the coffee shop to your favorite clothing stores, Samsung Pay is the only mobile payment service that works at the majority of U.S. retail locations. In situations where you have to dip your card or in places where you don’t swipe your card yourself (e.g., sit-down restaurants, hotels, auto shops), it’s better to use your actual card. Samsung Pay doesn’t currently work at gas station pumps with dip readers, but it will work at most gas station cashier card readers.

Samsung Pay is supported on the Galaxy S6, S6 edge, S6 edge+ and Note 5. Please visit http://www.samsung.com/us/samsung-pay for a full list of compatible devices.

You can use your RadiFi Credit Union Visa Credit and Debit cards with Samsung Pay.

For Galaxy S6, S6 edge, S6 edge+ and Note 5, Samsung Pay should be automatically installed through a software update on your device. If you do not see Samsung Pay listed on your device, then please contact your wireless provider for further assistance.

When paying with Samsung Pay, you’ll receive and sign a receipt for your purchases, just as you would with a physical card. You won’t receive a separate physical or digital receipt from Samsung Pay.

Returns made through Samsung Pay are handled the same way as with your physical card–according to the store’s policies. If you return an item paid for through Samsung Pay, the store may require you to hover your device over either the card reader or the NFC reader to complete the return.

Most transactions made through Samsung Pay are viewable shortly after processing, for one month from the time of purchase. Simply open the app and tap on a card to see all the Samsung Pay transactions made with that card. Additionally, a notification with your transaction details will be sent to your device after each Samsung Pay purchase. Note: notifications require an active internet connection.

We are in the process of updating our physical cards. Your card should look like the card in the app soon.

Cards can be easily added to Samsung Pay by using your device’s camera to scan in your card’s information or by manually inputting the card information yourself.

The average amount of time it takes before your card is fully active for use after being added and verified will vary slightly between issuers, but shouldn’t take more than a few minutes. You’re are likely to need to call us to activate your card. Simply call 904-475-8000 for assistance. Don’t try to enter the same card multiple times.

More information is available at www.samsung.com/pay