Voice Response

Welcome to Ravalli County FCU’s Voice Response Guide. Your Credit Union information is available 24-hours a day, seven days a week, 365 days a year with our voice response system.

IMPORTANT! Please have your account number and personal identification number (PIN) available. You cannot access your account without them.

First time callers will be asked to enter the last four digits of the primary account holder’s social security number. You will then be prompted select your choice of a four-digit PIN. Choose a PIN that is easy to remember and can easily be typed in on your phone.

Guard your PIN. It provides the security for your account and is not recorded at the Credit Union.

Step One:  Call 1-800-555-9258

Step Two: Select an option. You may press “0” to hear instructions for using the system.

  1. For account inquiries
  2. To perform money transactions
  3. For Credit Union rates or loan estimates
  4. To change your PIN
  5. To access a different member number
  6. For other Credit Union services
  7. (not available)
  8. To repeat these option
  9. To end this call

Step Three: At the end of your session be sure to press the 9 key on your telephone. You will hear the Voice Response System say “Goodbye”.

If you should have any problems or questions, be sure to call us at (406) 363-4631.

ATM Locator

Need to make a deposit? Of the 30,000 CO-OP ATMs located around the nation, 9,000 accept cash and check deposits.*



*Check deposits are subject to funds availability rules. Contact the Credit Union for additional information.



























Pre-Paid/Reloadable Cards

We off a variety of GIFT Cards, TRAVEL Cards, and RELOADABLE Debit Cards – all designed with your specific needs in mind!

Our gift cards can be loaded in an amount of $10.00 to $500.00 per card. These cards are non-reloadable with a one-time activation fee of $3.00 each and are perfect for gift giving on those special occasions.

The travel cards replace travelers cheques and are a safe and secure way to use your money as you travel abroad or even in the United States. These cards are re-loadable with a one-time $10.00 activation fee.

Our everyday spend debit cards are embossed with your name and carry a $10.00 one-time activation charge. These cards are reloadable and perfect for your everyday spending!

To reload your travel card or everyday spend debit card, simply visit the card-holder access website. Additional fees may apply and funds may not be available immediately. You can also reload your cards by calling the credit union directly at 363-4631. Additional fees may apply and funds will be available immediately.

prepaid card quick guide chart

Cash Advance/Credit Card Payment

As an added service, for your convenience, we now accept loan payments and account deposits using your VISA, DISCOVER, or MASTERCARD from any financial institution. There is a small fee charged depending on the amount of the transaction.

Debit Card

A Debit Card is just one more advantage of having a checking account with RCFCU.

  • It looks like a credit card but works like a check
  • Transactions are automatically deducted from your checking account
  • No more bulky checkbook to carry
  • All your transaction details are on your statement
  • Accepted anywhere you see the MasterCard ® logo
  • Access to your account at any ATM machine worldwide …… 24 / 7

We now offer reloadable VISA Travel Cards & VISA Gift Cards!


Beginning August 15, 2010, we do not authorize and pay overdrafts for the following types of transactions unless you authorize us to do so: (see form below)
  • ATM transactions
  • Every day Debit card transactions
We pay overdrafts at our discretion and 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 you be charged if Ravalli County FCU pays your overdrafts?

Under our standard overdraft practices, we will charge you a fee of up to $25.00 each time we pay an overdraft.

What if you want Ravalli County FCU to authorize and pay overdrafts on your ATM and every day Debit card transactions after August 15, 2010?

If you want us to authorize and pay overdrafts on ATM and every day Debit card transactions, please PRINT and complete the form below and bring it in to us or mail it to:
Ravalli County FCU, PO Box 598, Hamilton, MT 59840
WE MUST HAVE A SIGNED AUTHORIZATION before this service is effective.
_____ I OPT IN and I want Ravalli County FCU to authorize and pay overdrafts on my ATM and every day Debit card transactions.
______________________________     ______________________________
Printed Name                                               Signature
______________________________     ______________________________
Member Number                                          Date
Email address

After Hour Deposits

At Ravalli County FCU we’re committed to simplifying your financial life. Therefore, we have installed an ATM at our main branch that is enabled with remote deposit capture capabilities. So you can make a deposit any time of day without the credit union being open.  Additionally, now that Co-Op is our debit card processor, deposits may be made at any Co-Op ATM that takes deposits which includes over 9,000 ATM’s nationwide!

For your convenience, we also offer a Night Drop located on the south side of the building, next to our ATM machine. Deposits will be processed Monday through Friday from 8:00 AM.

Money Orders

A Convenient, Reliable Way to Pay

Money Orders give you convenience the freedom of a check, without the need for a checking account.

Convenient For You

  • Safe way to pay bills and send funds through the mail
  • Widely accepted form of payment
  • Receipt of transaction, traceable
  • Refundable

You can purchase money orders up to $999.99 at $2.00 per money order.

Ask our professional and courteous tellers for more information.

Direct Deposit

Direct Deposit trims your To-Do list.

Wouldn’t it be nice to worry about one less thing? Try Direct Deposit. With Direct Deposit you authorize your employer or federal agency, like the Social Security Administration, to deposit your check directly into your Credit Union account. You can count on access to funds without visiting the Credit Union. Instead of a check, you receive a paper record of the transaction from your employer providing earnings and deduction amounts.

All you need is the Credit Union’s routing/transit number, your account number, and whether the funds go into your savings or checking account.  No matter where your check is coming from; your employer, a tax refund, social security check, or retirement account, Direct Deposit takes the worry out of:

  • Stolen or misplaced checks. Direct Deposit eliminates those risks.
  • Delayed deposits. Your funds are deposited regularly and on time.
  • Losing potential dividends. With Direct Deposit you earn dividends on funds as soon as possible.
  • Waiting in long lines to make a deposit.

Take advantage of the convenience and security of Direct Deposit today.

For your convenience the routing number for RCFCU is 292977420.


Ravalli County FCU has proudly partnered with TruStage to help you protect what matters most. Please click on the link below to apply for life, AD&D, auto, property, and health insurance.

Insurance Solutions For Everything That Matters. Find Out More.




Please include the following information on all wires to Ravalli County FCU.

Wire To:

  • Millennium Corporate Credit Union
    8615 W Frazier Lane
    Wichita, KS 67212
    Routing Number: 301180111

Further Credit To:

  • Ravalli County FCU
    501 N 1st St
    Hamilton, MT 59840
    Routing Number: 292977420

Final Credit To:

  • Member Name
  • Member’s Account Number

A fee of $5.00 will be assessed for each incoming wire transfer. Please check with your financial institution about any other fees associated with your wire transfer.