Red River Credit Union

#24314B

Become a member-owner at RRCU for access to a full suite of financial products and services to fit your needs.

Account Opening | Red River Credit Union

Welcome to Red River Credit Union! Whether you're new to our credit union or an existing member looking to add an account, you're in the right place. As a not-for-profit, member-owned cooperative, we're dedicated to serving you. Members enjoy a wide range of financial services - from savings and checking accounts to loans and credit cards - all backed by our commitment to exceptional service. And the best part? When you join Red River Credit Union, you become an owner, too! We're excited to support your financial journey. Now let's get started.

Federally Insured by NCUA. We do business in accordance with the Federal Fair Housing Law and the Equal Housing Opportunity Act.

Terms and Conditions

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Account Opening

By checking this box you agree to our <a href="https://www.rrcu.com/privacy-policy" target="_blank">Privacy Policy</a>.

What is your legal name as it appears on your passport or other government-issued ID?

Let’s start with your name.

Cell Phone Number

As part of our account opening process, we require a contact phone number for verification and communication purposes.

How can we get in touch?

Please check the box if your mailing address is different from above.

Address must not be a PO Box. We use your physical address to verify your identity.

Street Address

Apartment Number (Optional)

City

State

Zip Code

What’s your home address?

This address is used to send account communication by mail, including disclosure updates and account statements if electronic statements are not requested.

What’s your mailing address?

As part of our dedication towards your security, we make sure to confirm the identities of all applicants. This not only prevents fraudulent activities but also ensures our adherence to federal regulations.

Let’s verify your identity.

Verifying your ID now helps expedite opening your account. This process can be securely completed with a webcam-equipped mobile device and only takes a few minutes.

You will need one of the following ID documents:<ul><li>Driver’s license</li><li>State ID</li><li>U.S. Passport</li></ul> Your ID's information must match what has been provided in the application.

If you encounter problems with this system or would prefer to validate your ID later, please return to the previous step.

We found existing membership information on file for you. Would you like to use one of the memberships below?

Let's verify your identity

We use income data to verify your eligibility for loan products, certain account types like IRAs, benefits, government programs, and other services that may become available to you in the future.

Let’s document your income next.

Please choose the accounts you wish to open today.

Please choose the deposit products below that you wish to open today.

It all starts with a great savings account.

If you have their information available, we can quickly add a joint applicant to your application.

Would you like to add a joint applicant?

We have just a few questions about your joint applicant so we can add them to your application.

Let’s collect information about your joint applicant.

Let us know how we can get in touch with your joint applicant in case we need to.

What is your joint applicant’s contact information?

Please check the box if they have an alternate mailing address.

What’s their home address?

This address is used to send a copy of account communication by mail, including disclosure updates and account statements if electronic statements are not requested.

What’s their mailing address?

Let’s verify your joint applicant’s identity.

We use income data to verify your eligibility for loan products, certain account types like IRAs, benefits, government programs, and other services that may become available to you in the future which may not be available to the primary accountholder.

Beneficiaries

Complete information for each individual and/or trust you would like to add as a beneficiary.

Beneficiary Information

How much would you like to initially deposit?

Opening Deposit

Please select the account you would like to use to fund the products you are opening with us today.

Account Selection

Log in to your existing bank to fund your new checking account.

Link your current bank account so we can wirelessly transfer funds as soon as your new account is opened.

By clicking "Link Account", you agree to our partner Plaid’s <a href="https://plaid.com/legal/terms-of-use/" target="_blank">Terms of Use</a> and <a href="https://plaid.com/legal/#consumers" target="_blank">Privacy Policy</a>.

Let’s link your bank account.

Please provide your current bank’s account and routing numbers so we can initiate the ACH transfer to fund your new account with us.

Enter your bank account details.

By submitting, you promise that everything you have stated in this application is true and correct to the best of your knowledge.

Please review the RRCU Standard Policies and Disclosures by clicking on each option below. After reviewing, check the box to confirm that you have read and agree to each.<ul><li><a target="_blank" rel="noopener noreferrer" href="https://trabian-canvas-prd-files.s3.amazonaws.com/rrcu-com/files/document/Online%20App%20&amp;%20Disclosures%20Final%201_0.pdf?VersionId=OuMYV34Svp_lzr6Pvn.Eq93w.A2L80H6">Membership Agreement and Disclosures</a></li><li><a target="_blank" rel="noopener noreferrer" href="https://www.rrcu.com/fee-rate-schedules">Fee &amp; Rate Schedules</a></li><li><a target="_blank" rel="noopener noreferrer" href="https://www.rrcu.com/online-membership-and-account-opening">E-Sign Consent</a></li></ul>Under penalties of perjury, I certify that: 1) The number shown on this form is my correct taxpayer identification number (or I am waiting for a number to be issued) 2) I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by the Internal Revenue Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has notified me that I am no longer subject to backup withholding 3) I am a U.S. person (including a U.S. resident alien).

Your application is not complete until you have read the disclosures below and click the "I Agree" button.

We’re about done. Does everything look right?

We appreciate the opportunity to partner with you in your financial goals. We look forward to serving you! If you have any questions or concerns, please feel free to contact us at (903)735-3000 or (800)822-3317.