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Most Frequently Asked Questions

Click any dropdown menu on our website and find it in the right-side toolbox, or in the footer of any page. Loan Payments is also available on the Mobile Banking app and Online Banking under Transactions.

You have several options to make a loan payment.
• In Person at any Rally Credit Union branch;
• By Mail to:
Rally Credit Union
PO Box 81349
Corpus Christi, TX 78468;
• By setting up a recurring payment pulled from your other financial institution. Call 1-800-622-3631 to set up;
• Through Online Banking or the Mobile Banking app. Transfer monies from your Rally checking/savings account to your Rally Loan;
• Through the Loan Payments service to make monthly payments by ACH (electronic debit) or using a debit card for a fee;
• Or you may be able to set up Rally as a biller through your other financial institution’s bill payer. Simply provide your institution with your
Rally loan account information.

Renewal debit cards will be mailed a month prior to expiration.

Visit rallycu.com, click on LOG IN (top right corner) then enter your Login ID. You will then click on “forgot your password?” and follow the prompts to reset.

Log into Online Banking, then click MENU (top left corner), click on Services, and then Add External Account. Step 1: Add Your Account (other financial institution account information) Step 2: Verify Your Account (once you receive the amounts of your micro deposits, you will log back into Online Banking, go back to Add External Account and enter the amounts to activate your external account).

Login to your online banking account, click on the menu bar, select "Services" then select, "Statement" you will be asked to validate your email a new window will appear, and you will select the profile shaped icon and manager your choice under the section "Delivery" you will have the option of "Online Only" or "Paper Mail Only." Please feel free to contact us if you need further assistance 1-800-622-3631.

Your Available Balance is what is actually available for you to spend, your Current Balance is the available balance plus any pending transactions on the account.

Checking

2024 Qualification Cycles:
12/31/2023 - 1/30/2024
1/31/2024 - 2/28/2024
2/29/2024 - 3/30/2024
3/31/2024 - 4/29/2024
4/30/2024 - 5/30/2024
5/31/2024 - 6/29/2024
6/30/2024 - 7/30/2024
7/31/2024 - 8/30/2024
8/31/2024 - 9/29/2024
9/30/2024 - 10/30/2024
10/31/2024 - 11/29/2024
11/30/2024 - 12/30/2024
12/31/2024 - 1/30/2024

2023 Qualification Cycles:
12/31/2022 - 1/30/2023
1/31/2023 - 2/27/2023
2/28/2023 - 3/30/2023
3/31/2023 - 4/29/2023
4/30/2023 - 5/30/2023
5/31/2023 - 6/29/2023
6/30/2023 - 7/30/2023
7/31/2023 - 8/30/2023
8/31/2023 - 9/29/2023
9/30/2023 - 10/30/2023
10/31/2023 - 11/29/2023
11/30/2023 - 12/30/2023

A newly opened checking account may use CardFree Cash the following business day.

The access code is valid for 60 minutes.

The maximum limit to withdrawal is $500, the limit cannot be increased.

No, all CardFree Cash transactions are surcharge-free.

The ATM Locator is available on the Smart Card app. Select the "CardFree Cash" icon and select the “Find A CardFree Location” link. Nationwide Access – More than 33,000 ATMs (including Rally ATMs), supports our members when they are traveling. You can also find an ATM at popmoneylocator.com.

Not at this time.

In our Rally Smart Card app, select “CardFree Cash” icon in the Card Details screen. After, accepting the terms and conditions, determine the withdrawal amount and click “Get Code”. The code is entered in a PopMoney® compatible ATM to get the funds.

CardFree Cash lets you access cash at ATMs without a debit card. Use your mobile device to generate an access code. Use together with your PIN and you’re ready to pick up your cash at any participating ATM across the country. Find them at popmoneylocator.com.

Deposits sent to your account using your routing and account number normally take up to 2 business days to post on your account. We advise you reach out to the sender to verify the account information the funds were sent to and when it was sent. You may contact us at 361-986-4500 or 1-800-622-3631 Monday-Friday 8:00 a.m.-5:00 p.m. or Saturday 9:00 a.m.-1:00 p.m. for further assistance with your request.

This may be due to Regulations D. Reg D means no more than six (6) transfer or withdrawals per calendar month to another account of the member's by means of preauthorized or automatic transfer or telephonic agreement or to a third party.

Transactions that count as one of the six:

  1. Account to account transfers by telephone (whether by calling the Credit Union or using our audio response system)
  2. Overdraft protection
  3. Checks to third parties
  4. ACH Debits
  5. Automatic sweep (auto transfer from account to account on any designated day)
  6. Transfers to third party accounts

You will be able to transfer out of your savings account electronically on the 1st of the following month.  You may still conduct transactions in person at an ATM or any branch out of your savings account.

Your member number is located on your Membership agreement paperwork provided at the time of account opening. If you are unable to locate your member number, please contact us directly for security purposes at 361-986-4500.

You can export transactions from the Account Details page to a file format that you select. Export formats vary depending on the settings. Currently, you can export in online banking, but not mobile banking.

To export transactions from the Account Details view:

  1. (Optional) On the Account Details page, narrow the results by either searching transactions or using filters () to select transactions with specific conditions.
  1. Click the export icon ().
  1. In the export drop-down list, click an export format. Depending on your configuration, formats may include:
    • Spreadsheet (XLS)
    • Spreadsheet (CSV)
    • Microsoft (OFX)
    • Quicken (QFX)
    • QuickBooks (QBO)
  1. Depending on your browser settings, one of the following happens:
      • If your browser automatically saves files to a folder, the file is saved in that folder. Open the folder to view the exported file.
      • If your browser is configured to prompt for the folder for downloaded files, you are prompted to specify the location to save the exported file.
  1. Click or tap the exported file. The transactions appear in the current sort order on the Account Details page.

The withdrawal limit for Rally ATMs is $500.

A member must be 16 years of age to be eligible to receive a debit card.

Renewal debit cards will be mailed a month prior to expiration.

Call 1-800-992-3808 from the phone number on file with Rally.

Log on to your Online/Mobile Banking Account. Under the Services menu, select Check Reorder and follow the prompts. You can also order checks directly through our check provider- Harland Clarke by calling 877-585-8777.

Log in to Online Banking. Under Services click on Stop Payment. The fee to place a stop payment is $30.00. A stop payment takes 24 hours to be placed on your account.

Please call Rally Credit Union at 1-800-622-3631 and a representative will get the appropriate documents sent to you.

Dividends will be posted on the last day of the month. Qualifying transactions must post and clear during the activity cycles listed below:

2024 Qualification Cycles:
12/31/2023 - 1/30/2024
1/31/2024 - 2/28/2024
2/29/2024 - 3/30/2024
3/31/2024 - 4/29/2024
4/30/2024 - 5/30/2024
5/31/2024 - 6/29/2024
6/30/2024 - 7/30/2024
7/31/2024 - 8/30/2024
8/31/2024 - 9/29/2024
9/30/2024 - 10/30/2024
10/31/2024 - 11/29/2024
11/30/2024 - 12/30/2024
12/31/2024 - 1/30/2024

2023 Qualification Cycles:
12/31/2022 - 1/30/2023
1/31/2023 - 2/27/2023
2/28/2023 - 3/30/2023
3/31/2023 - 4/29/2023
4/30/2023 - 5/30/2023
5/31/2023 - 6/29/2023
6/30/2023 - 7/30/2023
7/31/2023 - 8/30/2023
8/31/2023 - 9/29/2023
9/30/2023 - 10/30/2023
10/31/2023 - 11/29/2023
11/30/2023 - 12/30/2023

No. A member is allowed one (1) Liberty Checking account per household.

No. Liberty Checking is only available for personal accounts.

Yes. Opening a savings (share) account establishes your membership with Rally Credit Union.

Savings

Rally Credit Union is supervised by the National Credit Union Administration, commonly referred to as NCUA.

NCUA, a federal government agency, also operates and manages the National Credit Union Share Insurance Fund (NCUSIF). Backed by the full faith and credit of the U.S. Government, NCUSIF insures the accounts of millions of account holders in all federal credit unions and the vast majority of state chartered credit unions.

The NCUSIF provides all members of federally insured credit unions with $250,000 in coverage for their individual accounts. These accounts include regular shares (savings), share drafts (checking), money market accounts, and share certificates (certificate of deposits). Individuals with account balances totaling $250,000 or less at the same insured credit union have full NCUSIF coverage. If a person has more than $250,000 at any single credit union, several options are available for additional coverage. While NCUSIF coverage protects members at federally insured credit unions from losses on a broad spectrum of savings account and share draft products, it does not cover losses on money invested in mutual funds, stocks, bonds, life insurance policies, and annuities.
Learn more about NCUA and additional insurance coverage

A Rally ATM Card is a card that can be used at ATMs to give you access to the funds in your Rally Savings Account. ATM cards are issued only to members who do not have a Rally checking account debit card.

ATM card can only be used at ATMs to check your balance, transfer money, withdraw cash or make a deposit (at deposit taking ATMs only). They can’t be used to pay for purchases online or in-person.

No, you can’t transfer money between savings and checking using your Rally Savings ATM card because it can access only the funds in your Rally savings account.

If you have a Rally checking account and want to transfer funds between your savings and checking accounts using an ATM, you can request an Rally MasterCard® debit card to replace your Savings ATM card. A Rally MasterCard® debit card will allow you to make transactions via ATM for both your savings and checking accounts.

The “fast cash” option at ATMs automatically defaults to withdrawal from a checking account. Because your Rally Savings ATM card can access only the funds in your savings account, it won’t work with the fast-cash option. Instead, select the “withdraw” option, then select your savings account as the account for your withdrawal.

No, ATM cards can only be used for ATM access to your Rally savings account. Your ATM card can’t be added to digital wallets because it can’t be used to make purchases online or in-store.

No. Once you’ve received and activated your Rally Mastercard® Debit Card, your Savings ATM Card will be closed. You should destroy your Savings ATM Card and conduct all ATM transactions using your Rally debit card to protect yourself from fraud.

No, Rally ATM cards are not compatible with contactless devices.

Deposits sent to your account using your routing and account number normally take up to 2 business days to post on your account. We advise you reach out to the sender to verify the account information the funds were sent to and when it was sent. You may contact us at 361-986-4500 or 1-800-622-3631 Monday-Friday 8:00 a.m.-5:00 p.m. or Saturday 9:00 a.m.-1:00 p.m. for further assistance with your request.

This may be due to Regulations D. Reg D means no more than six (6) transfer or withdrawals per calendar month to another account of the member's by means of preauthorized or automatic transfer or telephonic agreement or to a third party.

Transactions that count as one of the six:

  1. Account to account transfers by telephone (whether by calling the Credit Union or using our audio response system)
  2. Overdraft protection
  3. Checks to third parties
  4. ACH Debits
  5. Automatic sweep (auto transfer from account to account on any designated day)
  6. Transfers to third party accounts

You will be able to transfer out of your savings account electronically on the 1st of the following month.  You may still conduct transactions in person at an ATM or any branch out of your savings account.

Yes. These payments (which you might know as “ACH” or “EFT” transactions) follow Regulation D limitations. Any withdrawals attempted beyond your monthly limit will not be honored, and you will receive a notice by mail and incur a nonsufficient funds charge. To avoid this situation, make automatic payments using a checking account. Contact the merchant to arrange this change and be aware that your request could take more than a month to go into effect. Alternatively, consider using Bill Payment in Online Banking to automatically send payments to the merchant, rather than authorizing the merchant to automatically withdraw payments.

Yes. We offer ATM cards for Savings Accounts holders only.

No. There Is no fee to join!

Loan Payments

In our online/mobile banking, members can link their account by selecting Menu>Services>Add External Account and complete three easy steps.

Step 1: Complete the external account information by entering the external account number, select the account type, and entering a routing number.

Step 2: Within one to three business day members will receive two micro deposits to the external account to complete validation process in our online/mobile banking.

Step 3: Once step 2 is completed, then members can navigate to the Loan page (Menu>Loan) to drop down and select their external account to transfer from.

Yes, both options are available to the member.

External transfers set up before 2pm on a business day will post the next business day.  External transfers set up after 2pm on a business day will post two business days later.

For example:
External loan payment set up on Monday before 2pm CST – loan payment will post on Tuesday
External loan payment set up on Monday after 2pm CST – loan payment will post on Wednesday
External loan payment set up on Monday before 2pm CST, but Tuesday is a holiday – loan payment will post on Wednesday
External loan payment set up on Monday after 2pm CST, but Tuesday is a holiday – loan payment will post on Thursday due to the holiday

No. You need to complete a one-time short registration process. Save your username and password for future payments.

No. Each payment must be entered separately.

Payments processed through the loan payment center may take up to 48 business hours to be credited to your loan.

If you make a loan payment by ACH (electronic debit), or electronic check, there is no charge. If a payment is made by debit or credit card there is a $15.00 fee.

No. Non-members are able to take advantage of our Loan Payments service.

Click any dropdown menu on our website and find it in the right-side toolbox, or in the footer of any page. Loan Payments is also available on the Mobile Banking app and Online Banking under Transactions.

You have several options to make a loan payment.
• In Person at any Rally Credit Union branch;
• By Mail to:
Rally Credit Union
PO Box 81349
Corpus Christi, TX 78468;
• By setting up a recurring payment pulled from your other financial institution. Call 1-800-622-3631 to set up;
• Through Online Banking or the Mobile Banking app. Transfer monies from your Rally checking/savings account to your Rally Loan;
• Through the Loan Payments service to make monthly payments by ACH (electronic debit) or using a debit card for a fee;
• Or you may be able to set up Rally as a biller through your other financial institution’s bill payer. Simply provide your institution with your
Rally loan account information.

Online Banking

Our mobile banking app will no longer support the usage of all Android 8.x devices effective July 13, 2023.

What does this mean?

  • Android 9 will be the new minimally supported OS version. Android 10, 11, 12, and 13 are fully supported.
  • End users on unsupported OS versions cannot update to the latest version of the app or install the app, but they can continue to use their previously installed version of the app or access online banking through a mobile browser. Mobile browser access is minimally supported and does not offer native app features such as mRDC and Biometrics.

When Rally updates to the July release, will users be forced to update the app?

  • No, a forced app update will not be required.

Money sent with Zelle® is typically available to an enrolled recipient within minutes.

If you send money to someone who isn’t enrolled with Zelle®, they will receive a notification prompting them to enroll. After enrollment, the money will be sent directly to your recipient’s account, typically within minutes.

If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle® and that you entered the correct email address or U.S. mobile phone number.

If you’re waiting to receive money, you should check to see if you’ve received a payment notification via email or text message. If you haven’t received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.

Still having trouble? Please give the Rally member support team a call toll-free 1-800-622-3631 or get in touch through our support page.

If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your Rally account, typically within minutes.

If you have not yet enrolled with Zelle®, follow these steps:

  1. Click on the link provided in the payment notification you received via email or text message.
  2. Select Rally Credit Union.
  3. Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile phone number where you received the payment notification - you should enroll with Zelle® using that email address or U.S. mobile number to ensure you receive your money.

Yes! They will receive an email or text message notification via the email or U.S. mobile number they used to enroll with Zelle®.

See a full list of participating banks and credit unions live with Zelle®

If your recipient’s bank or credit union isn’t on the list, don’t worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle® by downloading the Zelle® app for Android and iOS.

To enroll with the Zelle® app, your recipient will enter their basic contact information, an email address and U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S. based account (does not include U.S. territories). Zelle® does not accept debit cards associated with international deposit accounts or any credit cards.

The amount of money you can send, as well as the frequency is set by each participating financial institution. To determine Rally send limits, call our customer service at 1-800-622-3631.

There are no limits to the amount of money you can receive with Zelle®. However, remember that the person sending you money will most likely have limits set by their own financial institution on the amount of money they can send you.

Rally does not charge any fees to use Zelle® with your personal checking account.

You can only cancel a payment if the person you sent money to hasn’t yet enrolled with Zelle®. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select “Cancel This Payment.” If you do not see this option available, please contact our member support team at 1-800-622-3631 for assistance with canceling the pending payment.

If the person you sent money to has already enrolled with Zelle®, the money is sent directly to their bank account and cannot be canceled. This is why it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

If you sent money to the wrong person, please immediately call our member support team at 1-800-622-3631 so we can help you.

Current Fee Schedule

In order to use Zelle®, the sender and recipient’s bank or credit union accounts must be based in the U.S.

Some small businesses are able to receive payments with Zelle®. Ask your favorite small business if they accept payments with Zelle®. If they do, you can pay them directly from your Rally mobile app using just their email address or U.S. mobile number.

Neither Rally nor Zelle® offers a protection program for any authorized payments made with Zelle®, so you should only send money to people (and small businesses) you trust. Also, always ensure you’ve used the correct email address or U.S. mobile number when sending money.

Zelle® is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor.
Since money is sent directly from your Rally account to another person’s bank account within minutes, Zelle® should only be used to send money to friends, family and others you trust.

Neither Rally nor Zelle® offers a protection program for any authorized payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

If you don’t know the person or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle®.

These types of transactions are potentially high risk (just like sending cash to a person you don’t know is high risk). Neither Rally nor Zelle® offers a protection program for any authorized payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

You can send money to friends, family and others you trust even if they have a different bank or credit union.1

1  U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes and generally do not incur transaction fees.

Since money is sent directly from your Rally account to another person’s bank account within minutes, it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number.

Keeping your money and information safe is a top priority for Rally. When you use Zelle® within our mobile app or online banking, your information is protected with the same technology we use to keep your Rally account safe.

When you enroll with Zelle® through the Rally app, your name, the name of your credit union, and the email address or U.S. mobile number you enrolled is shared with Zelle® (no sensitive account details are shared – those stay with Rally). When someone sends money to your enrolled email address or U.S. mobile number, Zelle® looks up the email address or mobile number in its “directory” and notifies Rally of the incoming payment. Rally then directs the payment into your Rally account, all while keeping your sensitive account details private.

Your email address or U.S. mobile phone number may already be enrolled with Zelle® at another bank or credit union. Call our customer support team and ask them to move your email address or U.S. mobile phone number to Rally Credit Union so you can use it for Zelle®.

Once customer support moves your email address or U.S. mobile phone number, it will be connected to your Rally account so you can start sending and receiving money with Zelle® through the Rally mobile app and online banking. Please call Rally member support toll-free at 1-800-622-3631 for help.

It’s easy — Zelle® is already available within your Rally mobile app and online banking! Check our app or sign-in online and follow a few simple steps to enroll with Zelle® today.

You can send, request, or receive money with Zelle®. To get started, log into your Rally Credit Union (Rally) online banking or mobile app and select Menu, then select “Send Money with Zelle®”. Accept Terms and Conditions, enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, accept terms and conditions, and you’re ready to start sending and receiving with Zelle®.

To send money using Zelle®, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile phone number), add the amount you’d like to send and an optional note, review, then hit “Send.” In most cases, the money is available to your recipient in minutes1.

To request money using Zelle®, choose “Request,” select the individual from whom you’d like to request money, enter the amount you’d like, include an optional note, review and hit “Request”. If the person you are requesting money from is not yet enrolled with Zelle®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their mobile phone number.

To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle®. If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your Rally account, typically within minutes.

Zelle® is a fast, safe and easy way to send money directly between almost any bank or credit union account in the U.S., typically within minutes. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank.

In our online/mobile banking, members can link their account by selecting Menu>Services>Add External Account and complete three easy steps.

Step 1: Complete the external account information by entering the external account number, select the account type, and entering a routing number.

Step 2: Within one to three business day members will receive two micro deposits to the external account to complete validation process in our online/mobile banking.

Step 3: Once step 2 is completed, then members can navigate to the Loan page (Menu>Loan) to drop down and select their external account to transfer from.

Yes, both options are available to the member.

External transfers set up before 2pm on a business day will post the next business day.  External transfers set up after 2pm on a business day will post two business days later.

For example:
External loan payment set up on Monday before 2pm CST – loan payment will post on Tuesday
External loan payment set up on Monday after 2pm CST – loan payment will post on Wednesday
External loan payment set up on Monday before 2pm CST, but Tuesday is a holiday – loan payment will post on Wednesday
External loan payment set up on Monday after 2pm CST, but Tuesday is a holiday – loan payment will post on Thursday due to the holiday

To change the category, click the category icon that is currently displayed for the transaction within your Online banking transactions. A menu will appear on the right side of your screen with a search bar and a list of common categories. You may choose from any of the general categories, or even click the drop-down menu on each of them to view several more specific sub-categories. Once you select your category, it will replace the previous icon next to your transaction. If you need assistance with this request, please contact us at 361-986-4500.

Once you are logged into your account, select "Services" from the left menu, then "Add External Account". You will need the routing number, account number and account type. Once you submit this information, two "micro" deposits will be sent to the external account within 5 days. Once you have received the deposits, make a note of the amounts. You will need to log back into your Rally account and return to "Add External Account" to verify the deposit amounts and link the accounts.

If this is your first time completing an external transfer, this will be placed in a hold status.

We will reach out to you directly to the phone number on file before 2pm following business day to complete transfer verification. Verification is also needed if you are changing your sending or receiving account.

Mobile deposit is available for checks up to $10,000.00, Mobile deposit is not immediate credit and make take up to 24-48 hours to reflect in the account. Funds are subject to hold.

This may be due to Regulations D. Reg D means no more than six (6) transfer or withdrawals per calendar month to another account of the member's by means of preauthorized or automatic transfer or telephonic agreement or to a third party.

Transactions that count as one of the six:

  1. Account to account transfers by telephone (whether by calling the Credit Union or using our audio response system)
  2. Overdraft protection
  3. Checks to third parties
  4. ACH Debits
  5. Automatic sweep (auto transfer from account to account on any designated day)
  6. Transfers to third party accounts

You will be able to transfer out of your savings account electronically on the 1st of the following month.  You may still conduct transactions in person at an ATM or any branch out of your savings account.

Your Secure Access Delivery (SAC) method may be updated within your mobile banking by selecting the Menu tab and then Setting, you will need to choose Security preferences to view the option to change your SAC Delivery.

Your member number is located on your Membership agreement paperwork provided at the time of account opening. If you are unable to locate your member number, please contact us directly for security purposes at 361-986-4500.

Your login ID is your username created at the time of online banking enrollment, If you do not remember your login id. For security purposes, please contact us at 361-986-4500.

Your password may be updated only under the Menu tab by selecting Setting and then Security preferences.

In order to reset your password, please select “Forgot Password” option.

This area will allow you to enter in your Login ID and to retrieve a SAC to verify your account and authorize a password update.

Visit rallycu.com and click on LOG IN. On the log in screen, click Enroll Personal and follow the prompts. To enroll a business account, please contact us directly at 1-800-622-3631.

Visit rallycu.com, click on LOG IN (top right corner) then enter your Login ID. You will then click on “forgot your password?” and follow the prompts to reset.

Call us at 1-800-622-3631 and so we can unlock your Online Banking account and provide a system generated temporary password.

Yes, in Online Banking, click on Services, and then Statements. This is a free method of reviewing statements.

Log into Online Banking, then click MENU (top left corner), click on Services, and then Add External Account. Step 1: Add Your Account (other financial institution account information) Step 2: Verify Your Account (once you receive the amounts of your micro deposits, you will log back into Online Banking, go back to Add External Account and enter the amounts to activate your external account).

Log in to your Online Banking and select Transactions and Bill Payment and follow the prompts. Call 1-800-622-3631 if you need assistance.

You cannot use Bill Payment to pay any company or person with an address outside the United States or its territories. You can use Bill Payment to make state and federal tax payments and court-ordered payments; however, such payments are discouraged and must be scheduled at your own risk.

Member Service can be reached at 866-963-2198 between the hours of 6am to 12am CT seven days a week.

Send Money is a fast, safe, inexpensive way for you to send personal payments to someone using their cell phone number or email address without having to exchange any personal account information. Send Money can be found in Online or Mobile Banking under Services.

There is a daily limit of $500, and up to three transactions per day. Four transactions allowed per week.

This depends on the recipient’s preference to receive the funds. If they select to receive by an active debit card, it could be instant. If they select to enter their bank account and their bank’s routing number, it could be 3-5 business days.

No, currently you can only send money within the United States.

Login to your online banking account, click on the menu bar, select "Services" then select, "Statement" you will be asked to validate your email a new window will appear, and you will select the profile shaped icon and manager your choice under the section "Delivery" you will have the option of "Online Only" or "Paper Mail Only." Please feel free to contact us if you need further assistance 1-800-622-3631.

Your Available Balance is what is actually available for you to spend, your Current Balance is the available balance plus any pending transactions on the account.

Bank By Phone

Call 1-800-622-3631 so a member service representative may assist you in changing your PIN number.

Bank by Phone is our free, Automated Response System, which allows members to access their account balances 24/7. Access by calling 1-800-622-3641.

CardFree Cash

A newly opened checking account may use CardFree Cash the following business day.

The access code is valid for 60 minutes.

The maximum limit to withdrawal is $500, the limit cannot be increased.

No, all CardFree Cash transactions are surcharge-free.

The ATM Locator is available on the Smart Card app. Select the "CardFree Cash" icon and select the “Find A CardFree Location” link. Nationwide Access – More than 33,000 ATMs (including Rally ATMs), supports our members when they are traveling. You can also find an ATM at popmoneylocator.com.

Not at this time.

In our Rally Smart Card app, select “CardFree Cash” icon in the Card Details screen. After, accepting the terms and conditions, determine the withdrawal amount and click “Get Code”. The code is entered in a PopMoney® compatible ATM to get the funds.

CardFree Cash lets you access cash at ATMs without a debit card. Use your mobile device to generate an access code. Use together with your PIN and you’re ready to pick up your cash at any participating ATM across the country. Find them at popmoneylocator.com.

Early Pay Day

Rally recommends that loan payments post on the regularly scheduled pay date to ensure the transfer takes place. Rally cannot control when a Direct Deposit will post with the Federal Reserve.

Early Pay Day is not a credit, loan, or an advance. Loan payments and loan payment due dates will not change with Early Pay Day and loan payments will be due on their normal due dates. You can also setup alerts in Online Banking that will notify you when your loan payment is due and when it has been paid from your account.

Members that have set up Direct Deposit to Rally will automatically receive the benefit of Early Pay Day. In order to receive this service, first verify that your employer offers Direct Deposit and complete the necessary paperwork provided by your employer. For assistance in completing the paperwork, you may call Rally at 1-800-622-3631 or visit a branch near you.

Rally receives notifications at 7:00am, 11:00am, and 3:00pm, Monday-Friday, excluding Federal holidays.

Fraud, Lost Or Stolen Card

Periodically, Rally Credit Union is notified that a compromise has occurred affecting its debit card holder(s). This typically means that card information (i.e. card number, member name, CVV, expiration date) has been obtained by an unauthorized source at a merchant or through a merchant’s processor (i.e. grocery store, online store, restaurant).

When this happens, the debit card is at risk of being used fraudulently. We take these notifications seriously and may disable your debit card to prevent fraudulent transactions on your account, depending on severity of compromise. If this happens, we will notify you of the effective date and provide you with information on how to obtain a new card (at no cost).

Consumers will not be responsible for unauthorized debit card transactions if notification is timely made in accordance with our account agreement. Please contact us as soon as possible to report any fraudulent activity.

  • To dispute the fraudulent activity and request a replacement card, you can visit any of our branches or reach us at 1-800-622-3631
  • You can also dispute fraudulent debit card activity via online/mobile banking – THIS WILL CANCEL YOUR CARD AND YOU WILL NEED TO REQUEST A NEW ONE
  • To cancel your card or report it lost after 5pm CST or on a weekend/holiday, call 1-800-472-3272.

Download the Rally Credit Union Smart Card App, add all Rally debit cards issued to you and set up real time transaction alerts to quickly identify unauthorized transactions.

  1. For additional protection/prevention, you can also set up card controls to block:
    1. Locations that do not match my phone’s location
    2. In store transactions outside of my region
    3. International transactions
    4. Transactions over a specified dollar amount
    5. Types of merchants
    6. Transaction types (i.e. ATM, in store, online, mail/phone)
  2. You can also lock your debit card for all transactions, except recurring payments, until you unlock.

Skimming happens when scammers install a device and camera on at an ATM, point of sale or fuel pump terminal to capture card data and PIN – then they make a fake card with this data

Best to use a terminal that is supervised or secured at all times

If you must use an unsupervised terminal, here are some tips:

  • pick one in the line of sight of attendants/cashier
  • scan for any sign of tampering – loose, damaged, scratched pieces
  • cover the keypad when entering PIN

Hacking happens when scammers use key logging software to capture everything you type.

  • Use strong passwords and turn on multi-factor authentication if available
  • Keep operating system and internet browser updated
  • Only enter debit card information using secure websites accessed via private Wi-Fi networks
  • DO NOT use the same password for several logins, especially online banking
  • DO NOT store debit card information on your browser
  • DO NOT enter debit card information using a public/open Wi-Fi (i.e. free Wi-Fi)

Phishing happens when scammers use emails, phone calls or text messages to trick you into giving up financial information – they can be very convincing and appear to be calling or emailing from Rally Credit Union

Best to contact us directly using information on the back of your debit card or credit union website

  • DO NOT Click on email links requesting login credentials – go directly to our website for login link
  • DO NOT Provide online banking username, password, PIN or personal/financial information to someone calling or emailing you
  • DO NOT Provide one-time passcodes sent via email or text to ANYONE – it should only be entered online when you initiate a transaction/login (if required) – WE WILL NEVER ASK YOU FOR THIS

We offer layers of protection for our members, CLICK HERE to find out how you can protect yourself from scams.

The cardholder will be contacted at the number on file.

To enroll, please respond “YES” to the initial enrollment request text message.

Enfact, our Fraud Monitoring System. It is important that you respond.

Please see a member service representative to dispute the transactions.

Locations

New Year’s Day  – Monday, January 1, 2024
Martin Luther King Jr. Day – Monday, January 16, 2024
President’s Day – Monday, February 19, 2024
Memorial Day – Monday, May 27, 2024
Juneteenth  – Wednesday, June 19, 2024
Independence Day – Thursday, July 4, 2024
Labor Day – Monday, September 2, 2024
Columbus Day – Monday, October 14, 2024
Veteran’s Day – Monday, November 11, 2024
Thanksgiving Day – Thursday, November 28, 2024
Christmas Day – Wednesday, December 25, 2024
New Year’s Day– Wednesday, January 1, 2025

To access your accounts at Shared Branches, you will need your Rally account number and a valid photo ID.

To find ATM and Shared Branch locations near you,
visit https://co-opcreditunions.org/ or 1-888-SITE-CO-OP (888-748-3266)

Rally members can perform transactions at over 5,000 Shared Branch locations, including deposits, loan payments, loan advances, and much more, all without incurring any service fees.

New Year’s Day (Observed) – Monday, January 2nd, 2023
Martin Luther King Jr. Day – Monday, January 16th
President’s Day – Monday, February 20th
Memorial Day – Monday, May 29th
Juneteenth (Observed) – Monday, June 19th
Independence Day –Tuesday, July 4th
Labor Day – Monday, September 4th
Columbus Day – Monday, October 9th
Veteran’s Day – Saturday, November 11th
Thanksgiving Day – Thursday, November 23rd
Christmas Day – Monday, December 25th
New Year’s Day– Monday, January 1st, 2024

Membership

Your member number is located on your Membership agreement paperwork provided at the time of account opening. If you are unable to locate your member number, please contact us directly for security purposes at 361-986-4500.

Yes. You must have a Social Security Number and show proof of residency and a utility bill (water or electric).

Yes. A valid state issued ID or Passport is also required. A Texas state issued ID is preferred.

A minor account cannot be opened online, but a Member Service Representative at any branch can open a minor account during lobby business hours.

Yes! To open an account with Rally, visit rallycu.com and click on Open an Account at the top.

Resources

We offer layers of protection for our members, CLICK HERE to find out how you can protect yourself from scams.

This may be due to Regulations D. Reg D means no more than six (6) transfer or withdrawals per calendar month to another account of the member's by means of preauthorized or automatic transfer or telephonic agreement or to a third party.

Transactions that count as one of the six:

  1. Account to account transfers by telephone (whether by calling the Credit Union or using our audio response system)
  2. Overdraft protection
  3. Checks to third parties
  4. ACH Debits
  5. Automatic sweep (auto transfer from account to account on any designated day)
  6. Transfers to third party accounts

You will be able to transfer out of your savings account electronically on the 1st of the following month.  You may still conduct transactions in person at an ATM or any branch out of your savings account.

A certified copy of Letters of Testamentary or Administration are required to resolve an account which has no beneficiary designation in order to properly distribute funds. This is in the case of a deceased family or friend that has named you as the executor of their estate.

You will need a copy of the death certificate. Verify if beneficiary(s) are on file. If they are not, a Letter of Testamentary is also needed, a copy of beneficiary(s)/assigned individual’s valid ID and instructions on where to mail the check.

No, Rally does not do any foreign currency exchange.

Yes. Non-members are able to do cash advances at any branch with no charge from Rally.

Rally only cashes checks that are drawn off of Rally accounts for non-members.

Wires are reviewed and processed from 8:30am - 5:00pm.

Incoming wires are reviewed as they are received; Wires are released after validation and verification.

Outgoing wires are reviewed 30 minutes after they have been submitted to allow for cancelation or modifications; If everything has been signed accordingly, wire will then be reviewed and released.

Current Fee Schedule

Please provide the following to the institution to wire funds to Rally Credit Union.

• Routing number 314978543
• Your account number
• Your physical address

The fee for an outgoing wire is $25. We do not charge you to accept an incoming wire.
All incoming and outgoing wires are reviewed and processed from 8:30am - 5:00pm.

Incoming wires will be reviewed as they are received. Wire will be released when it has been reviewed and approved.

Outgoing wires will be reviewed 30 minutes after it has been submitted to allow for cancelation or changes. If everything has been signed accordingly, wire will then be reviewed and released.

We do not send out international wires.

Your account numbers can be found in your statement under "Statement Summary" or you can contact a Member Service Representative.

314978543

Careers

• Rally checks criminal background
• Conducts Drug Screening
• Performs Reference Checks

Access a computer at your nearest branch location to download an application from the Media Center. 

You will receive an email notification, but please don’t let that stop you. We are always looking for great candidates and you can try again.

Yes. Rally offers tuition reimbursement.

Log into Career Portal and view the position you submitted an application for and you will see a status from our recruiters.

Yes. If you are hired, Rally will provide you with the training that is necessary for your position.

The minimum required education for all positions is a high school diploma or equivalent. However, there are certain positions that require a college degree.

Candidates must be 18 or older.