![]() ![]() RFCU does not warrant, guarantee, or insure any product or service provided by Intuit. When you upload documents into your digital storage vault, your documents are protected behind First Bank and Trust Company’s secure digital banking platform which requires two-factor authentication. RFCU and Digital Mailer are separate entities. Virtual StrongBox is a safe and convenient place to store your documents. RFCU does not warrant, guarantee, or insure any product or service provided by Digital Mailer. My Virtual Strongbox is a product of Digital Mailer. to use Zelle.Īdditional storage space may be purchased for a fee. Must have online banking, and PIN/password to use Zelle via mobile banking. You must be at least 18 years old and have a checking or savings account to use Zelle. Transactions may take up to two business days to be posted to your account. However, transactions made after 6:00 pm CST may not be credited until the following business day. Transactions are credited as of the date of receipt. You may only exercise the Skip-a-Pay feature six times during the entire term of your loan. Maximum of one Skip-a-Pay per loan per calendar year. ![]() Refer to your loan agreement for the original terms and conditions. All other terms and conditions of your loan agreement continue to remain in full force and effect. ![]() Your current loan payment amount is not changing. You agree that by skipping one payment, you are extending the final payment and maturity on your loan by one month. A larger portion of your next payment will be applied to interest rather than principal. ![]() Interest will continue to accrue during the deferment period. Skip payment requests can be made by any borrower on the loan. Your normal payment schedule will resume on the month following the month you select to skip. When approved, the date on your loan is moved forward one month from the present due date. *Skip-a-Pay Terms and Conditions: A processing fee of $35 per Skip-a-Pay request will be charged for each skip. Must have checking account, online banking, and PIN/password to participate in Redstone Rewards, Mobile Banking, Bill Pay, eStatements, alerts, Zelle, and Finance Works. Please contact the Credit Union for more information about these amounts and fees. Minimum opening deposits, average monthly balances, and monthly checking maintenance fees apply to the checking accounts and vary per checking account type. Must not have caused RFCU a loss in order to be eligible to open a checking account. Must have online banking user name and PIN/password to be able to apply online. RFCU is an Equal Credit Opportunity Lender. Rates, terms, and conditions are subject to change without notice. A minimum balance of $5.00 is required to open a share savings account and must be maintained in share savings account at all times. Must be eligible for membership and open a share savings account. The following documents should be kept for as long as the service or contracts are active:ĭeciding what to keep and what to shred can be difficult, but following this guide can make it easy! For convenient document storage, enroll in eStatements and My Virtual StrongBox in Online Banking.Must be an RFCU ® member to obtain any product or service. Once you have verified that a payment, deposit, or withdrawal has processed, then you are fine to shred the above documents! Keep as Needed If you’re enrolled in eStatements, your documents are stored safely in Online Banking for 24 months. Keep 1 YearĪs long as none of your statements are needed for tax purposes, these are typically safe to shred after one year. Why seven years? This is in case you are subject to an income tax audit by the IRS. The above documents are relative to your income tax returns and should be kept in a safe place for up to three to seven years. Medical records (including bills, prescriptions, and health insurance information).Records of selling a house or stock (documentation for capital gains tax).Any forms that support income or a deduction on your tax return (receipts, canceled checks, W-2 forms).In Online Banking, you can also scan and securely store documents digitally in My Virtual StrongBox. Consider purchasing a fire and water safe lockbox, so you never have to worry about damage. These documents are incredibly important and should be kept in a secure location. Copies of wills, trusts, and powers of attorney.We’ve made it easy by compiling a list to take out the guesswork. Now is the perfect time to organize important documents and financial statements, but where do you start? It’s hard to know what’s okay to shred and what you may need to keep for the future. ![]()
0 Comments
Leave a Reply. |
AuthorWrite something about yourself. No need to be fancy, just an overview. ArchivesCategories |