Checking Accounts

Your paycheck can be electronically deposited into your RadiFi Credit Union account.
Download our Direct Deposit Authorization

• Direct Deposit Information:
  ◦ http://www.socialsecurity.gov
  ◦ Dial Direct Deposit for SSA and SSI: (800) 772-1213
• RadiFi’s “Routing Transit Number” is 263079234. We’ll be glad to give you the account numbers you need to take to your employer.

Your complete “Account Number” for electronic processing should total 13-digits, ex: for a deposit into your checking account the account number would be similar to: 10200000XXXXX, though the first three digits could be different depending on your share ID, and where the last 5 ‘X’s are your account number.

For a deposit into your savings account the account number would be: 10100000XXXXX). Note: If you have a 6-digit account number, then you would only have 4 ‘0000’s between the three initial numbers and your account number. You must enter the complete Account Number for your direct deposit to accurately post to the correct account.

A debit card is linked to your RadiFi checking account. You can use it anywhere Visa® is accepted, or use it to withdraw, transfer or deposit money through our ATM network. Using a debit card, you can make a purchase at a merchant and the money will come out of your RadiFi checking account. You can also select to get cash back when making a purchase at most retail stores.

When you use your debit card, the merchant will place a hold* for the funds of your transaction. This will show as a pending transaction within your account inside Digital or Mobile Banking.

*Please note that this is a hold put in by the merchant (not RadiFi). When the merchant completes the transaction, then the money is withdrawn from your account and shows in your cleared transactions. Some merchants may take longer to process the transactions, and you may have a transaction listed as pending for a few days.

Yes, your checking account can be overdrawn with a debit card. Regularly checking your account balance using Digital Banking or a Mobile App can help prevent overdrafts. Please keep in mind that your debit card transactions process along with other transactions in your checking account. If you have checks clear later, you can find yourself overdrawn while using your debit card. It is important to keep a running balance on the account so that you know how much money you have available to you.

For example, a debit card transaction may not have cleared quickly, and your balance was larger than it should have been. Or, a deposit could have been delayed, leaving you with insufficient funds to cover your withdrawals.

If you have opted-in for Courtesy Pay on your debit card, then we allow you to overdraw your checking account to a certain dollar amount and simply charge you fees for each transaction that we pay into the negative.

Order checks with ease from right inside your Digital Banking account. Simply click on your checking share, then under the “Actions” menu, select “Order Checks.” Then you will be linked out to order checks.

Please be sure your current address is on your account, prior to placing your check order. If you need to change your address, please update it under your “Profile.”

You can change your Debit Card PIN by phone at 800-443-2664.

Our Mobile Card App will allow you to turn your Debit Card off however, you still need to report it lost or stolen. We will deactivate your debit card. The next business day, we will need to speak to you to verify recent transactions. You can visit your nearest RadiFi branch to have a new debit card issued or upon your request, we can mail a new debit card to you that you would receive within 7-10 business days.