Direct Deposit
Skip extra trips to the bank. Set up direct deposit and have your paycheck or other recurring deposits sent right to your checking or savings account — automatically.
How does early direct deposit work? Employer submits payroll files to the Federal Reserve to start the direct deposit process. The Federal Reserve then notifies Rave Financial of the amount of money you should receive with that deposit post. We go ahead and deposit your money into your checking account when we receive the direct deposit notification. For most paydays, we get the alert from the Federal Reserve up to 4 days early, so you may get your money faster than your co-workers.
Overdraft Protection
Overdraft Transfer Protection is designed as a safety measure and benefit for you. Ask a Rave Financial representative how to sign up today.
Telephone Account Access
Telephone Account Access is financial convenience at your fingertips, 24 hours a day, seven days a week.
You can reach our Telephone Account Access by calling 800.892.1111 or 409.892.1111 (option 1). All you need is your member number and PIN. If you do not have a PIN or have trouble accessing Telephone Account Access, call our Member Services Department, use our Rave Video Banking app or come into the credit union for assistance.
Skip-A-Pay
Give your budget a break by skipping one payment on a qualifying loan. You can easily set up a Skip-A-Payment yourself in online banking, or the mobile banking app, under the "additional services" section. If you skip a payment, a $25 processing fee will be charged for each loan that you decide to skip. If you need further assistance, please give us a call at 800.892.1111, use our Rave Video Banking app, or visit your nearest Experience Center location.
*Credit cards, mortgage products, line of credit, express loans, and business loans are not eligible. Not all members will qualify. Account must be in good standing.
Wire Transfers
Please follow the instructions below to receive a wire transfer into your Rave Financial account or to send wire transfers from your Rave Financial account. International Wire Transfers are not offered at this time.
Incoming Wires
For wires sent to your Rave Financial account from another financial institution, you will need your account routing number (313177727) and account number. Routing and checking account numbers can be found at the bottom of your checks when reading from left to right. For wires to other accounts or for assistance, please contact Member Services.
Outgoing Wires
For wire transfers from your Rave Financial account to an account with a different financial institution, you may either visit one of our branch locations or submit your wire transfer request within Online Account Access under "Move Money." Please also contact that financial institution for appropriate wiring instructions before you submit your request to ensure that your request is processed accurately.
Savings Bonds
Due to the increase in Fraud, Rave Financial will no longer redeem Savings Bonds.
To redeem Savings Bonds yourself, please visit www.treasurydirect.gov. At this time, the Department of the Treasury requires you to complete a FS Form 1522. After reviewing the instructions and completing the form, unless provided otherwise in the governmental instructions, you will need to mail the completed form along with the Savings Bond(s) to:
Treasury Retail Securities Services
P.O. Box 9150
Minneapolis, MN 55480-9150