Frequently Asked Questions

We are on a mission to deliver better banking to everyone. We are here to answer any questions you may have regarding any of our products and services. We also want to provide you with the information you need to keep your information safe.

If the answer you are looking for is not in our FAQ section, please contact us. Our knowledgeable staff will be happy to answer any of your questions.

Because You Deserve Better Banking!

What are Robins Financial Credit Union Wire Fees and Requirements?

Wire Fees

Code wire: $ 8.00
Domestic: $15.00
International: $35.00

Wire Requirements

Cut-off times are 2:00 pm EST for Domestic and International Wires

Contact the financial institution where funds are being sent to obtain proper wiring instructions. The following information must be included:

Domestic Wires

  • Financial institution name & ABA/Routing Transit Number (must be 9 digits).
  • Further credit name & account number (if applicable) For example: mortgage company, brokerage firm, or corporate bank.
  • Final credit name, address, & account number for the person/company to whom the funds are being given.

OR

International Wires

  • International bank name, address, & Swift/BIC/Sort Code.
  • Final credit name, address, & account number for the person/company to whom the funds are being given.
  • IBAN: when required
What are the shared branching service center requirements?

You may make a withdrawal or deposit to personal savings or checking account, transfer funds from personal savings or checking account, making certain loan payments, or obtain an advance from a line of credit. Please be prepared to provide the shared branch representative with your member number and a valid form of identification. If you do not know your member number you can visit a branch or contact us at 478-923-3773 or 800-241-2405.

Contact Robins Financial directly for specific account information about your account (checks cleared, copies of items) or to conduct other transactions.

How can I apply for a loan?

You may apply for a loan using our secured loan application, by visiting any of our branch locations, or by contacting our Call Center. Our current rate information can be found here.

Does Robins Financial Credit Union consolidate loans?

Yes, we do consolidate loans. If you would like more information on a consolidation loan please visit a branch or contact us at 478-923-3773 or 800-241-2405.

You may apply for a loan using our secured loan application. Our current rate information can be found here.

What address should I use to mail in a deposit or loan payment?

The address to mail in a deposit or loan payment is as follows:

Robins Financial Credit Union
PO Box 6849
Warner Robins, GA 31095-6849

Please verify that check(s) mailed are properly endorsed with your signature on the back, include your account number and the account type to be credited. Additional information or instructions should be noted with an enclosed letter.

We also offer many other options to pay your loan.

How long will it take me to receive my new debit or credit card and does my PIN change?
Please allow 7 – 10 business days to receive your new card. If you have received the same card number as your old card, then you will use the same PIN. If you have received a new card number different than your old card, you will receive a new PIN, in a separate envelope, a few days after your card arrives. Follow the instructions that come with the new PIN if you would like to change it.
I have received my new card in the mail. What do I do now?
Please call our 24-hour telephone activation service at 478-923-3773 or 800-241-2405, option 1 to activate your new card. If you do not activate it before you try to use it, your card may be declined. You may also activate your new card in Online Banking by selecting Activate Card under Self Service options.
Is there a limit on how much I can withdraw at the ATM in one day?
Yes. You can withdraw up to $500 per day.
Is there a limit on how much I can use my debit or credit card for at a register or online in one day?

Yes. You are allowed up to $5,000 per day, whether you use your card with a PIN (Personal Identification Number) or sign your receipt.

If you need to temporarily increase you limits please contact us.

What is the difference between credit and debit when I am using my Robins Visa debit card?
When you use either debit or credit it will always withdraw the funds from the checking account that the card is linked too.(If you have multiple debit cards for multiple shares) Debit requires the use of your PIN number and the funds immediately are withdrawn from your checking account. Credit requires the funds to be placed on hold for a maximum of 72 hours and then the funds are withdrawn from your checking account.
What is a balance transfer?

A balance transfer allows you to transfer funds from one of your current credit cards with a different financial institution to a Visa credit card here with Robins Financial.

Information that you will need to do a balance transfer with Robins Financial:

  • Name of card issuer that we are paying on
  • Address to mail the payoff check to (This is typically different than the financial institutions main address)
  • Card or account number that we are paying on
  • Amount to transfer to Robins Financial
How do I stop a merchant from billing me monthly?
You will first need to contact the merchant directly to cancel any monthly subscriptions, auto payments, or billings. After you notify them that you no longer want to be charged and they continue to bill you, you may be able to file a dispute. Click here for dispute instructions.
What do I do if my card is lost?
Report it immediately. Please contact us or select Report card lost/stolen under the Self Service tab in Online Banking.
How do I file a dispute on a transaction?
Click here to get more information on disputing a transaction.
When do I get credit for a transaction that I am disputing?
A provisional credit is posted to your account once we have reviewed your case and have all of the required documentation to process your dispute. However, if we find that more information is needed to process your dispute or we find that you do not have a valid dispute, we will contact you within 3 business days.
How do I sign up for access to my account by telephone?

To sign up for Command Call, please dial 478-923-3773 or 800-241-2405, press 1, press 1 again, to begin using the service. First-time users need only to enter their account number and follow the system prompts to set up an access code.

If you forget your Command Call Access Code, you will need to call our call center for assistance on resetting it. For security reasons, we cannot view your Access Code you have selected but we can reset it at your request.

What is Command Call?

Command Call is the name given to our audio response system. The system gives you access to your account information by telephone around the clock, at no cost.

To use Command Call, you must be a member of Robins Financial Credit Union and have a Command Call Access Code. Call Command Call at 478-923-3773 or 800-241-2405 and follow the system prompts to set up a personal identification number.

How do I use Command Call?

Just call 478-923-3773 or 800-241-2405, press 1, then press 1 again to access Command Call. Follow the system prompts to check your balance, review your latest transactions, and perform transfers as needed.

To receive information about your accounts, you will need to enter your account number and Command Call Access Code press 1 and then press 3.

To enter in amounts, you will need to enter the amount in dollars and cents, followed by the pound sign (#). For example, enter 3029# to represent $30.29 and 1022# to represent $10.22.

What is Online Banking?

Online Banking is a service that gives you access to your account information 24/7 by logging in through our online portal. You may login into Online Banking from our homepage by entering your login information and clicking on the Login button.

First-time users will need to use our New User Form and follow the prompts to register. You can download our Mobile Banking app from Google Play or the App Store to access your Robins Financial account from your mobile device.

What is a Secure Access Code (SAC)?

It's just another way to verify your identity. Secured Access Codes are sent to you via text message, email, or by phone. It is a one-time use, 6-digit code. Take note that these codes are only good for a short amount of time, so should any issues arise while inputting your code, you may need to request a new one.

My account is locked. How do I get unlocked?

If you account has been locked you will need to contact the credit union to be reset.

What should I do if I cannot remember my Online Banking password?

If you do not know your Online Banking password, select "Forgot Password" from the Online Banking login box. Follow the prompts to reset your password.

I have logged into my account and none of my shares/loans are visible, how do I view them?

You may have hidden the share/loan inadvertently. To check, click on "Account Preferences" under "Self-Service Options". Use the toggle button to hid, or make visible any of your shares/loans inside of Online Banking

My Online Banking is showing a white screen or lagging when trying to log in, how do I fix this?

This can occur in multiple circumstances dealing with various settings in your browser. Here are a few troubleshooting techniques:

  • Delete any saved passwords, cookies, internet history.
  • If you're using a shortcut, or saved link to get to our website, remove the saved URL. Instead, try just searching for Robins Financial Credit Union with Google, or navigating in your web browser to our URL directly, instead of using your shortcut.
  • Try using a different web browser- Example: if you're using Internet Explorer instead try using Google Chrome.
  • As a final step, reset your password using the "Forgot Password" option.
  • If the issue still persists, you will need to contact your internet service provider, or some other type of computer support service to further investigate the issue.

How do I transfer to another members account?

You will need to log into your Online Banking. Then select the tab on the left hand side that says "Transaction and History". Navigate down to the tab that says "Member to Member". Then follow the prompts. You will need to have the other members 6-digit member number, share id, and first three of their last name.

How do I enroll in e-Statements?

Log into your Online Banking, navigate to the left hand side to the tab that says "Products and Services". Then go down to the tab that says "E-Statements". Once you agree to the terms and conditions you will be set up for e-Statements.

How do I enroll in Bill Pay?

Log into your Online Banking, navigate to the upper right corner of the homepage; under "Transfer Now" there is a tab that says "Enroll in Bill Pay" click this tab. Once you agree to the terms and conditions; navigate back to the homepage to the left hand side and click on "Products and Services" down to "Bill Pay". This is where you will access your Bill Pay.

Where can I find my full account number in Online Banking?

Log into your Online Banking and click on the share/ loan you would like the account number for. Then on the header section, on the right hand side of the "Search Transactions" bar you will see an "I" icon with a circle around it and the word "Details" next to it. Click on the "I" or "Details" and the full routing and account number will appear. You will need to have your full 13-digit account number and full 9-digit routing number.

What is the ABA Routing Number?

The ABA routing number is a 9-digit number assigned to financial institutions to identify the financial institution upon which a payment was drawn. Routing numbers are sometimes referred to as "check routing numbers", "ABA Numbers", or "routing transit numbers".

What is the routing number for my Robins Financial Credit Union account?

The routing number for Robins Financial is 261171587.

How do I use the routing/transit number to make a deposit into my Robins Financial Credit Union account?

Specify if you would like the deposit into your checking or savings account. Robins Financial Routing/Transit Number is 261171587 as shown above.

  • For deposits into checking accounts the 13-digit MICR/Account Number should be used as shown above. Do not include the check number.
  • For deposits into savings accounts your 13-digit savings account number should be used. There are three ways you can access your savings account number:
    • Log into your Online Banking and click on the share/ loan you would like the account number for. Then on the header section, on the right hand side of the "Search Transactions" bar you will see an "I" icon with a circle around it and the word "Details" next to it. Click on the "I" or "Details" and the full routing and account number will appear.
    • Visit any of our convenient branch locations and speak with a Member Service Representative.
    • Contact our call center during our regular business hours for additional assistance.