Fee Changes 2019

Loan Fees – Consumer $59
Overdraft Fees – Overdraft Fee, Return Deposit Item - $29
Overdraft Privilege – Overdraft Privilege - $29

About Us


Paper Statement Fee FAQs

Click on the FAQ title or the [+] button to expand the FAQ topics below.

  • Does the Paper Statement Fee apply to me? +

    If you have an account(s) and/or loan(s) with an average balance of $500 or more, on a monthly basis, this fee does not apply to you.


    Bob has a savings account with $5 and a car loan with a balance of $8000. He does not get charged the paper statement fee.

    Susie has a checking account her monthly average balance is below $500, she will get charged the $5 paper statement fee.

  • How do I begin receiving E-Statements? +

    In order to receive E-Statements, login to internet banking, click “eStatements” under “Additional Services”, select which account you wish to enroll, then accept the usage terms. Whenever a statement or notice is produced, you'll receive a courtesy email letting you know that your document is ready and available for viewing. It will contain a direct link to your statement or notice.
  • What are E-Statements? +

    E-Statements allow you to view your monthly statements and account notices electronically through our website. E-Statements replace your paper statements and notices. They include all the same information that your paper statement or notice does, including your check images.

    The Benefits to E-Statements are terrific:

    • Secure. Like our Internet Banking, E-Statements utilizes the highest level, state-of-the-art security measures, and your E-Statements are encrypted with the Internet Banking ID and password that you use to log into Internet Banking. As always, we strongly suggest that you protect your Internet Banking credentials and do not share them.
    • Fast. E-Statements and notices are delivered directly to the email address you provide us with as soon as your document is ready for viewing. No waiting for the mail.
    • Convenient. Once you access your statement, you can then print and/or store it on your PC or a CD for convenient storage.
    • Free! There is no cost to enroll in E-Statements.
  • What are the benefits of E-Statements? +

    E-Statements help you:

    • Save time –E-Statements are delivered faster than those sent through the mail. An email is sent to you when a new statement is available.
    • Save space – E-Statements can be saved to your computer and printed only when needed. Gone are the files, drawers, and boxes filled with bank statements!
    • Keep your personal information secure – Secure Sign On helps us protect your valuable information including e-statements.
  • What accounts are eligible for E-Statements? +

    You can receive E-Statements and notices for any for Savings checking, money market, Christmas saving, and loans.
  • 1
  • 2
  • 3
  • 4
  • 5

Rebrand FAQs

Are you wondering why we decided to change our name? Here are some frequently asked questions. If you have any others, please do feel welcome to ask. We would love to answer them!

Click on the FAQ title or the [+] button to expand the FAQ topics below.

  • Q: Why did Rolla Federal Credit Union choose to become Riverways Federal Credit Union? +

    A: In July of 2013 RFCU rolled out many new products for the Membership in preparation for an upcoming field of Membership expansion (the area we are allowed to serve by the National Credit Union Association, our insuring body). That expansion was granted in October 2013 to include Maries, Crawford and Dent counties. In December 2013 RFCU purchased a building to open a new branch in Salem. Given the much larger area we now serve, we felt that Riverways Federal Credit Union would better reflect our total market area while still keeping the RFCU acronym that has served us so well for decades.
  • Q: Was there a change in ownership of RFCU/is someone else taking over? +

    A: No, RFCU is owned, operated and under control of you, the Membership. We have the same management and philosophies that has been so effective over the years which has led to this great opportunity. We are still your institution and that we are proud of and have no desire to change.
  • Q: What about my checks and debit cards? +

    A: Since the only thing changing is our name, your current checks and debit cards will work just like always. When it is time for new ones, they will come with our new logo.
  • Q: What all has changed? +

    A: Simple-just our name … that’s it!
  • Q: What else is going to change? +

    A: We are committed to provide all the products and services that our Membership needs in the most convenient forms possible. Our products and services will continue to improve with the industry to serve all segments of society. While the services may evolve the philosophy of “People Helping People,” which is what the credit union is built upon, will remain. Rest assured there are no mergers forthcoming, our focus is on serving you, our owner/Members in the best manner possible.
  • 1

General FAQs

Click on the FAQ title or the [+] button to expand the FAQ topics below.

  • Q. What is a Credit Union? +

    A. A credit union is a not-for-profit, cooperative financial institution owned and controlled by its Members.
  • Q. Are my deposits insured? +

    A. YES, each Riverways Federal Credit Union share account is insured up to at least $250,000 by the National Credit Union Share Insurance Fund by NCUA).
  • Q. Is there a minimum balance requirement? +

    A. A $5.00 minimum balance is required to maintain Membership in the Credit Union.
  • Q. Are there any fees on checking accounts? +

    A. A complete Fee Schedule is available online, however:There are NO per-check or monthly fees on a personal checking account, nor is there a minimum balance requirement.
  • Q. What is Shared Branching? +

    A. With shared branching, credit unions from all over the country share facilities to give Members thousands of convenient locations to perform transactions just as if they were in their home credit union. Whether you are at work, home or your favorite travel destination, your credit union is always nearby.Have any further questions? We welcome them all. Please call 573-308-3113 or come in today!
  • 1