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 (link to contact us page). 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/International: $15.00

Wire Requirements

Cutoff times are 1:15pm EST for Domestic and International

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

  • U.S. Correspondent bank name & ABA/Routing Transit Number (must be 9 digits).
  • International bank name & Swift/BIC/Sort Code.
  • Final credit name, address, & account number for the person/company to whom the funds are being given.
  • IBAN: (only required for wires to Europe & Kuwait)
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 when 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 the secured loan application on our web site. Our current rate information is posted on our web site. You must be a member of Robins Financial Credit Union to apply for a loan. If you are interested in becoming a member, eligibility information is available here.

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 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.

I would like to have a check sent to my address.

We are unable to accept instructions for transaction processing through our help site or by email. If you are an Online Banking or Telephone Banking user, you may request a check to be issued to you and mailed to the address on file, see your balances, check when deposits are made, view your statements and more. If you are not an Online Banking or Telephone Banking user, you may visit any branch or call our Call Center at 478-923-3773 or 800-241-2405.

What access will I have to my account information or other services while I am deployed?

We provide a Pre-Deployment Checklist to help you and your family with your finances, and information on services that are available to you wherever you are located. Our deployment guide and checklist is available on our website.

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 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 teller 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. If you use online banking you can activate your card online.
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?
If you will let us know in advance, we can temporarily increase your limits.
When using my check 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. Click here to login and block your card using online banking or by calling our 24-hour telephone teller at 478-923-3773 or 800-241-2405, option 1.
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?
Call 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 calling 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 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 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 account types 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 gives you access to your account information 24/7 by logging in through our online portal. You may login into Online Banking by going to our website, www.robinsfcu.org and clicking on the Login button.

First-time users will need select "I'm a new user" 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 set to you via text message, email, or voice phone call. It is a one-time use, 6-digit code. They are only good for a short amount of time, so if you get an error message when trying to use it, you just need to request another one.

My account is locked. How do I get unlocked?

If you account has been locked you will need to contact the credit union either by phone, 478-923-3773 or 800-241-2405 or stop by any of our branch locations 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.

Why did you stop supporting Windows XP and Internet Explorer 8?

Due to an issue with web security, we have discontinued support for Windows XP running Internet Explorer version 8 and older. We recommend using Google Chrome or Mozilla Firefox if you are on Windows XP.

What is Multi-Factor Authentication?
It's an additional step in the login process that will help us further identify you before granting you access to your Online Banking account. We use Secure Access Codes (SAC) as our way of further verifying your identity.
How will the login process work?
You will access your Online Banking Account by entering your login ID and password. Periodically, you may be asked to receive a Secure Access Code (SAC Target). Select to receive your SAC by text message, email, or voice phone call. The SAC is a temporary 6-digit code that will be entered within Online Banking as a further way to verify your identity.
Is the new system more secure than the old? How?
Yes it is more secure. The software “learns” your online activity and constantly monitors it for unusual activity. If unusual activity occurs it a will ask you to receive a Secure Access Code (SAC Target) to further verify your identity.
What if my Secure Access Code doesn't work?
SAC's are temporary, one-time use codes. If the code you received doesn't work, simply request another one. The code has probably expired and you will need a new one in order to gain access to the system. There is no limit to the number of SAC's you can request.
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 choose Routing Information from the menu on the left
    • Visit any branch location and speak to a Member Service Representative
    • Contact the Credit Union Call Center during regular business hours