Electronic Services
Financial Services Where You Are, When You Want Them!
We are a full service credit union that allows you the freedom to bank when and where you prefer to conduct your banking. With Home Banking, you can access your accounts from anywhere, at any time. Home Banking is safe and secure and features multi-layer security including password protection, internet firewalls, anti-virus protection and a time-out feature that automatically ends your session after a period of inactivity.
Home Banking
Your Time
Online banking never closes - check balances and manage your money 24/7.
Your Money
Access your account, transfer funds and pay bills while at home or on the go.
Your Choice
Pay who you want, when you want with online and mobile banking.
Online Bill Pay - Coming Summer 2020
It's time to get organized, and we're here to help. When you receive and pay your bills with Ray Federal Credit Union’s Online bill pay, you can manage your bills in one place from anywhere and see when they're all due and how much you owe. One website, one password. Now that's organized.
With online bill pay, you get:
Organization - manage your bills and payments from one convenient location control - pay what you'd like, when you like, unlike auto debit.
Convenience - pay anyone who you normally pay by check.
Don't stress about missed payments, sign up for Online Bill Pay now.
Mobile Banking - Coming Summer 2020
Go Mobile Today!
With Mobile Banking, you can securely view your accounts, transfer funds, pay bills, deposit checks and more. This free service1 is available to all members who have enrolled in our Digital Banking. All you need is a smartphone or tablet and internet data access.
1 Carrier message and data rates may apply.
VISA® ATM / Debit Card
VISA® Debit cards are fast, easy, and convenient
With a VISA® Debit Card, you can access your funds 24/7 and make purchases at millions of locations that accept VISA®.
A VISA® Debit card works basically like a check. The amount of your purchase is deducted directly from your checking account. You can use your VISA® Debit card to:
- Place an order online, by phone or mail
- Get money out of an ATM using your PIN
- Swipe or insert (chip) your card at merchants that don’t require a signature
Lost or stolen card. If your card is lost or stolen, contact us 24/7 immediately by calling (800) 472-3272.
e-Statements
It's time to make the free switch! Trade paper clutter for electronic statements! Go green and save!
- Avoid the paper statement fee
- Receive your statements faster
- Enjoy the security of online statements
- Receive an email when statements are ready to be viewed
- Downloadable for your records
Popmoney Mobile Payments - Coming Summer 2020
Popmoney is an easy way to send money to any person in the U.S., no matter where they bank. Payments are usually sent within one business day. You must be enrolled in online Bill Pay to use Popmoney.
Who You Can Pay
You can pay any person in the U.S. with a bank account. The recipient will receive a text message (text messaging fees may apply, please contact mobile provider for details) or email with instructions on how to claim their money. They will need to register with Popmoney the first time they use the service.
Popmoney Restrictions
Popmoney is available only for person-to-person payments at this time. You can use the free online Bill Pay service to pay any business. Popmoney is only available for use between personal banking accounts that are located in the United States.