Online & Mobile Banking Help

Frequently Asked Questions

Upgrade Questions:

Why did RiverLand upgrade its online banking and mobile app?

As new technology becomes available, we find and implement services that will improve our members’ overall banking experience. These enhancements ensure that you can continue to transact business on your accounts with a high level of quality, security, and efficiency. Because we are a not-for-profit financial institution, the services we decide to enhance are chosen carefully to benefit as many members as possible.

Were my online bill payments affected by the upgrade?

If you use our online bill pay, your compatible payees and scheduled payments were converted to our upgraded online banking. If there was a problem converting your payees, we will attempt to contact you. However, it is important that you sign in to online banking after the upgrade to make sure your payment information is accurate. If you have a question about your bill payments, please contact us.

Unlike our former system, when you schedule a check bill payment, the funds are not immediately withdrawn from your account. The funds are withdrawn when the check is received and deposited by the biller. This works just as if you had written the check and mailed it yourself. Essentially, Bill Pay saves you time and helps you avoid the cost of postage.

General Questions:

Are online and mobile banking secure?

Absolutely! One of our top priorities is data security, so we have a thorough vetting process to ensure that your financial information is safe and sound. We use the latest technology and encryption methods, plus no account data is ever stored on your device.

Is there a fee for online banking or the mobile app?

No, you have free access to online banking and the mobile app, and nearly everything you do through digital banking is also free. Some requests, such as Stop Payments and Skip-A-Pay, do incur fees as disclosed on our fee schedule and Skip-A-Pay agreement.

Where can I find my 1099-INT and other tax forms?

If your account receives $10 or more in dividends during a calendar year, you will receive a 1099-INT for your annual tax return. If you are enrolled in eStatements, your tax forms will be available to download/print via online banking and our mobile app. For instructions on how to access them, . If you are enrolled in paper statements, your tax forms are mailed to you.

If you have an IRA or an HSA, a form 1099-R or 1099-SA will be mailed to you.

Helpful Hint: For members with access to more than one account in online banking (typically due to being a joint owner), tax forms must be accessed with the online banking credentials for the primary account that it is reporting on. This means you may need to log in with an alternative username and password to access the tax forms.

If you're having trouble accessing your forms or would like them sent again, contact Member Services.

I do not see my Loan under the transfer options to make a payment. How do I pay it online?

Loan payments are now made under the "Payments" tab. If you are under the "Transfers" tab, you will not see the option to transfer to or from your loan. Switch over to the "Payments" tab, and you will see the option to make a Standard or Principal Payment.

When are Check Bill Payments withdrawn from my account?

Bill Payments made by check are not withdrawn until the check is received and deposited by the biller. This works just as if you had written the check and mailed it yourself. Essentially, Bill Pay saves you time and helps you avoid the cost of postage.

Is there an option to request account information via text messages?

Currently, members do not have the option to text a specific phone number and receive account information back. Previously, this ability was available with TextRCU which has been discontinued. If you'd like to receive a daily balance summary via text, you can set up Alerts through online banking.

Does RiverLand have Person-to-Person (P2P) payments in online banking (i.e. Zelle, PayPal)?

Currently, we do not have a P2P payment service. However, you can transfer funds directly to other RiverLand members using the Transfers tab. A new P2P service is in the works, so stay tuned for updates in 2023!

Can I make principal-only loan payments online?

Yes, after your standard monthly payment is made, you can make additional principal payments. Under the payments tab, click Principal Only.

What is "Card Auth" under Account Transaction History?

Card Auth is where you can find your recent debit or credit card authorizations. These can include authorizations that may not post to your account, like the pre-authorizations made at a gas pump or the holds made by a rental car company.

What is "Pending ACH" under Account Transaction History?

Pending ACH is where you can see electronic deposits or withdrawals that are pending to post on your account. These can include direct deposits from your employer or payments to billers.

What are "Holds" under Account Transaction History?

Holds is where you can view recent deposits that are currently not available for withdrawal. This can include large checks that are deposited or funds being held for another purpose.

What is Plaid?

Plaid is a service that allows you to securely connect your other financial accounts to your RiverLand online banking account in seconds. We use Plaid to verify your accounts used for External Transfers. To learn more about how Plaid works, you can visit their website.

How does the option to Request a Check work?

When you request a check, we will print and mail you a check for the amount you select. You can then deposit the check at another financial institution, and the funds will be withdrawn from your RiverLand account accordingly. This is a great option when you need to deposit funds into another bank that cannot be set up for external transfers. Checks usually take 2-4 business days to arrive by mail depending on your location.