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!

How do I wire funds to Robins Financial Credit Union?
  • Contact the financial institution and give them our wiring instructions.
  • Wire to: Robins Financial Credit Union Routing # 261171587
  • For credit to: Your name and your account number
How do I wire funds from Robins Financial Credit Union?

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 is a Commercial Money Order (CMO)?

A Commercial Money Order (CMO) is a Western Union money transfer to a person of your choice that can be picked up at any Western Union location in the city designated. Refer to our current fee schedule for the cost associated with a wire transfer and the cost associated with a CMO transfer.

How long after I send a CMO will it take to reach the designated person?

Generally, it will take 2-3 hours after processing for the funds to be available to the person designated. Processing may take 12-24 hours based on when the funds are actually received by Western Union. For example, funds that are sent in the afternoon may not be received until the next morning. These funds may not be available until 2 - 3 hours after it is received.

What is the difference between CMO and wire transfer?

A CMO is a Western Union money transfer to a person of your choice that can be picked up at any Western Union location in the city designated. Refer to our current fee schedule for the cost associated with a wire transfer and the cost associated with a CMO transfer.

A bank to bank wire is the transfer of funds from an account at a financial institution to another account at a financial institution. The funds are transferred through the Federal Reserve banking system. Procedures to receive and send wire transfers at financial institutions vary. Please verify wiring instructions before sending a wire.

What types of transaction are available at a shared branching service center?

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 account number and identification.

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. 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 do I obtain a copy of my 1099-INT?

Select e-Statements from the Products & Services tab in Online Banking, then select tax documents, find the appropriate document and click view. You may also visit any branch location for assistance.

How long will it take me to receive my new debit or credit card?
Please allow 7 – 10 business days to receive your new card.
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.
What if I need to use my card for more than $5,000 for a purchase?
Please contact us and we can temporarily increase your limits.
When using my Robins card, should I use debit or credit?
This is simply a preference. If you choose credit, you will have to sign for your purchases. Otherwise, you will enter your PIN when choosing debit.
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 enter their account number and follow the system prompts to set up an access code.
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. You may reach Command Call by dialling 478-923-3773 or 800-241.2405, press 1, then 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.
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.
How do I get a PIN for Command Call, the audio response system?
Call 478-923-3773 or 800-241-2405, press 1, then 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.
I forgot my Command Call PIN number. May I request a duplicate?
While we can not send you a duplicate PIN, your PIN can be reset on your request. Call our Call Center at 478-923-3773 or 800-241-2405 for assistance with resetting your PIN. For security reasons, we do not have access to the PIN you selected.
How do I get information on all my accounts through Command Call?
After entering your account number and Command Call PIN press 1 and then press 3.
What are the requirements to use Command Call?
You must be a member of Robins Financial Credit Union and have a Command Call PIN. 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 enter amounts when using Command Call?
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 homepageby 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.

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.

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 below.

  • For deposits into checking accounts the 13 digit MICR/Account Number should be used as shown below. 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 in to Online Banking and click on your savings account. Your full routing information will appear in the header section.
    • 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.