FORMS

To assist you with our available services you may click on any of these highlighted forms. If you need to defer a payment, you can use our  SKIP–A–PAY form or use our CHANGE OF ADDRESS form to keep your information current with the credit union. You may also use our Opt In/Opt Out form for overdrafts on your Debit/ATM card. Another helpful form is our STATEMENT – OPT OUT form. This form will allow you to go paperless and retrieve your statements on- line and save the monthly fee. LOAN APPLICATIONS on-line make applying more convenient for you.

 
These forms may also be printed by using your browser window. These forms need to be signed and returned to Ravalli County Federal Credit Union before they become effective.
*Please note that these forms are optimized for Internet Explorer

Privilege Pay Agreement and Disclosure

What you need to know about Overdrafts and Overdraft fees:

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway.

We can cover your overdrafts in two different ways:

  1. We offer standard overdraft practices with your account
  2. We also offer overdraft protection plans, such as a link to a savings account which may be less expensive then our standard overdraft practices.

This notice explains our standard overdraft protection via Privilege Pay

What are the standard overdraft practices that are available with my account if I elect to OPT-IN to Privilege Pay?

We do authorize and pay overdrafts for the following types of transactions:

  1. Checks and other transactions made using your checking account number
  2. Automatic bill payments (ACH)
  3. ATM transactions
  4. Everyday debit card transactions
  5. Periodic payment transfers

We pay overdrafts at our discretion, which mean we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if Ravalli County FCU pays my overdraft(s)?

Under our standard overdraft practices:

  1. We will charge you a Privilege Pay fee of $25 each time we pay an overdraft
  2. There is no limit on the total fees we can charge you for overdrafting your account

What if I DO NOT elect to have Ravalli County FCU pay my overdraft(s) under the Privilege Pay Program (OPT-OUT)?

  1. Checks and automatic bill payments will be returned NSF and a NSF fee of $25 will be charged
  2. ATM and everyday debit card transactions will be declined

Privilege Pay Agreement & Disclosure

Privilege Pay is a service we offer to our members to pay items that would otherwise be returned due to non-sufficient funds (NSF). There is certain criteria that must be met to qualify for this service. 1. You must be 18 years or older 2. Your checking account must be open for a minimum of 90 days 3. 90-day average checking balance must be $100 or greater 4. If your account remains negative for 30 days or more, you will be deactivated from the Privilege Pay program 5. Privilege Pay will reactivate 24 hours after you make a deposit which brings your account balance into a positive status, as long as your account maintains an average 90-day balance of $100 6. Privilege Pay will deactivate if we have had mail returned due to wrong address. I understand I will be charged a fee of $25.00 each time I use Privilege Pay, there is no limit on the number of fees I can be charged and the Federal Regulation changed effective August 15, 2010, REQUIRES me to OPT-IN or I will no longer have Privilege Pay coverage.
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Skip-A-Payment

Need some extra cash? Have some unexpected expenses? You may be eligible to skip a payment on your loan!

Download our Skip-A-Payment Card and visit the Credit Union today to see if you qualify!

Did you know you can also process a Skip-A-Payment online*? Simply login to your online banking to submit your request.

*Please note that if your payment is made via automatic transfer you will have to contact the Credit Union to move your transfer to the following month.

Go Paperless!

E-Statement Enrollment

I no longer wish to receive my monthly or quarterly account statements from Ravalli Count FCU. I prefer to receive my statement on the website or through the mobile app. By completing and submitting this form, I understand that I will be notified monthly, via e-mail, that my monthly or quarterly statement is ready to be viewed online or in my Ravalli County FCU mobile App.
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Debit/ATM OPT IN Form

What You Need to Know about Overdrafts and Overdraft Fees

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:

  1.  We have standard overdraft practices that come with your account.
  2.  We also offer overdraft protection plans, such as a link to a share/savings account or overdraft line-of-credit, which may   be less expensive than our standard overdraft practices. To learn more, ask us about these plans.

This notice explains our standard overdraft practices.

What are the standard overdraft practices that come with my account?

We do authorize and pay overdrafts for the following types of transactions:

  • Share drafts/checks and other transactions made using your checking account
  • Automatic bill payments
  • ACH transactions

We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):

  • ATM transactions
  • One-time debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if the Credit Union pays my overdraft?

Under our standard overdraft practices:

  • We will charge you a fee of $25.00 each time we pay an overdraft.
  • There is no limit on the total fees we can charge you for overdrawing your account.

What if I want the Credit Union to authorize and pay overdrafts on my ATM and one-time debit card transactions?

If you want us to authorize and pay overdrafts on ATM and one-time debit card transactions, complete the section below or mail your request in writing to:

Ravalli County Federal Credit Union

501 N 1st St/ PO Box 598

Hamilton, MT 59840

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Overdraft Services Consent - ATM & One-Time Debit Card Transactions

If their are multiple owners on the ATM and/or debit card account, either account owner can act on behalf of all owners on this account. Only one (1) account owner signature is needed to add or remove the overdraft coverage.
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Personal Information Updates

Have you moved and need to update your contact information? Did you get tired of all that spam and change your e-mail address or phone number? No problem! With our online banking and mobile app, keeping your account up to date has never been easier.

Simply login to your online banking or open your mobile app and visit the Info Center to securely update your personal information.*

You can also download our Change of Address form and visit the Credit Union in person to update your account today.

*Please note, your personal information will be updated once we have received and processed your request. Once we process your request, you will receive an e-mail to the address we have on file to notify you of the changes.

Travel Notification

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  • Note: For high risk transactions, if the cardholder cannot be reached, the Alternate Contact may be contacted and asked to assist us in locating the cardholder. No information about the transaction or the case may be divulged to this person, nor may this person speak on behalf of the cardholder. This is only provided as an additional resource for facilitating contact with the cardholder. This information is not required.
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