Our routing number is 211590493.
Membership in Rhode Island Credit Union is open to individuals, fraternal organizations, voluntary associations, trusts, partnerships, limited liability companies, corporations, and other lawful persons having a place of business, living and/or working in Rhode Island.
Membership is also open to individuals living in Massachusetts or Connecticut whether acting in their own capacity or as trustees of revocable living trusts.
Opening a Prime Share Account establishes your membership. You can open an account in person by visiting a branch location and presenting two acceptable forms of identification. Proof of residence may be required if your current residence address does not appear on your identification.
To update your member information please log in to Online Banking and select Settings followed by Profile. Changes of address can also be made in person at any branch location or a signed written request mailed to: Rhode Island Credit Union 95 Jefferson Boulevard Warwick, RI 02888.
Our Cranston branch has a coin counting machine that is available free to our members.
Requests to place a check order can be made in any branch, by calling 401.751.7440, by mailing in a check reorder form to 95 Jefferson Boulevard, Warwick, RI 02888, or by sending a secure message through online banking.
With mobile deposit, you can make deposits of paper checks to your checking or savings accounts using a mobile device.
Rhode Island Credit Union does not charge for this service.
You must restrictively endorse a check that is deposited by Mobile Deposit by writing "MOBILE DEPOSIT AT RICU" above or below your signature on the back of the check or check the mobile deposit box and write "AT RICU", if applicable. Any checks not properly endorsed will NOT be accepted via Mobile Deposit.
The maximum total daily deposit amount per member is $5,000 and the maximum single deposit amount is $2,500. Rhode Island Credit Union reserves the right to impose lower limits on the dollar amount or limits on the number of checks that you can deposit using Mobile Deposit.
Click on the enroll link located below the login credentials and follow the instructions.
Initially yes, you will be prompted to choose and answer 5 challenge questions simply for back up purposes and not for regular logins.
A one-time passcode will be sent to you in the manner you select during your initial login. At various times, you will be prompted for a one-time passcode at login and when you request certain transactions or changes to your account.
You create your username and password. Unless you change them, your username and password stay the same.
The security code is randomly generated and changes every time you are requested to complete two-factor authentication.
If your account is locked, click the ‘Forgot Password’ link and follow the prompts.
Yes, the Rhode Island Credit Union app can be downloaded on your Apple® and/or Android™ device.
Yes, Zelle® should only be used to pay friends, family, your coworkers and almost anyone else you trust, but it shouldn’t be used to pay strangers. Zelle® moves money fast and does not offer purchase protection, so only use Zelle® to pay people you know and trust.
We have numerous options available to conveniently pay your loan. Visit our How to Make a Payment page for more information.
All loan payoff checks can be mailed to:
Rhode Island Credit Union
95 Jefferson Boulevard
Warwick, RI 02888
Use online banking to conveniently pay your loan under the same member number for a single payment or recurring payments. Click on Pay My Loan to register for one-time or recurring payments. You may also set-up an external transfer in online banking.
Pay anyone in the United States that you would normally pay by check, automatic debit, or cash. You can pay companies, friends and family members, and service providers.
We send the payment electronically whenever possible. If the company or person cannot receive electronic payments, we print a check and mail it to the address you provided.
You cannot use Bill Pay to send payments to addresses outside the United States.
We do not recommend using Bill Pay to make state and federal tax payments or court-ordered payments. Such payments are discouraged and must be scheduled at your own risk.
If the payment is sent electronically, the money is withdrawn from your account one business day after processing begins. If the company or person cannot receive electronic payments, we print a check and mail it to the address you provide.
For some checks, the money is withdrawn one business day after processing begins. For others, the money is withdrawn when the company or person deposits or cashes the check.
You can see the status of your payments in Activity. Payments start in a Pending status until processing begins.
You receive electronic bills (eBill) in the Payment Center. When an eBill is due, it appears as soon as you select the company that sent it. You can simply click a link to enter the amount due and due date from the bill.
If the company or person you're paying can receive electronic payments, the money is typically delivered in one to three business days. If the company or person you're paying cannot receive payments electronically, we mail them a paper check. This process typically takes three to five business days.
Payment info is available in Activity for 24 months.
The single payment limit is $10,000 and total daily payment limit is $20,000.
For Bill Pay Support call 1.866.498.2085 from 7:00 am - 1:00 pm ET, 7 days a week. For Collections call 1.800.848.1337.
A Traditional IRA allows you to save for retirement with tax-deferred earnings and the possibility of tax-deductible contributions.
A Roth IRA is an individual retirement arrangement that allows you to make after-tax (nondeductible) contributions with the potential to take completely tax-free deductions.
You can withdraw the money anytime, subject to income tax. An IRS penalty tax also may apply unless you are age 59.5 or older. If you are age 73 or older, you must withdraw a required minimum amount each year to avoid penalty taxes.
You can withdraw the money from your Roth IRA anytime.
Depending on when you take the money out and what type of Roth IRA assets (contributions, conversion or rollover amounts, or earnings) are included in the distribution, you may be subject to income tax and an IRS penalty tax. But if you have a "qualified distribution" all assets are tax and penalty free.
You can contribute to your Roth or Traditional IRA until the due date for filing your federal income tax return for the year (generally April 15th).
Yes. But the contribution amounts that you make to both types of IRAs for the same year cannot total more than your annual contribution limit.
To activate your debit card, call 800.992.3808 and follow the prompts. Instant issue debit cards obtained in a branch do not require activation.
To report your ATM Card or Debit Card lost or stolen, please contact 401.751.7440 or any branch office during business hours or during non-business hours contact 833.337.6075 (Domestic) or 614.564.5105 (International).
You can change your PIN at any Rhode Island Credit Union ATM provided you know the current PIN.
If you do not know your current PIN, please contact 800.992.3808 and follow the prompts.
Yes, there is a $500 daily cash withdrawal limit and a $500 daily limit on point of sale transactions. Higher limits will be considered upon request.
If you suspect the ATM you’re using may have a skimming device or if you see something that doesn’t quite seem right, notify the branch so they can take appropriate action. If you notice anything while the branch is closed, contact the police so they can investigate the suspicious activity.
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