Annual Audit Notice:

Member Impact Information Read More


Checking Account Resources



Order Checks

Time to restock the 'ol checkbook? There are 2 convenient ways to order checks:

Order Online

Order by Phone
Harland Clarke


MasterCard® Debit Card

All Rally checking accounts come with a MasterCard®-backed debit card. Purchases are automatically deducted from your checking account and itemized in your monthly statement. You may use your debit card wherever MasterCard® is accepted, and to access cash at countless ATMs 24 hours a day, seven days a week.

Open Account


Courtesy Pay

Overdraft Services

Overdrafts happen. When it does, Rally can pay your debit card and ATM transactions, regardless of whether funds exist in your account or not. Due to federal regulations, we require your consent to opt-in, or we'll be forced to decline your card when you do not have enough money in your account.

Opt-In Online
Overdraft Protection Program Overview


Rally Rewards

Earn Points – Redeem for Rewards!

Earn points on Flag and Basic Checking accounts, just for using your debit card!* Qualifying members will receive their rewards points quarterly via a mailed certificate or an automatic deposit.

Rally Rewards

Frequently Asked Questions:

Fraud, Lost Or Stolen Card

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.

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

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

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

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

Please see a member service representative to dispute the transactions.

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.

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).

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

The cardholder will be contacted at the number on file.

Still have questions? Visit our Help Center.

*The member must have a Rally Basic or Flag Checking account to qualify for Rewards. The checking account must be in good standing and qualify for a debit card to be eligible for the Rewards program. Liberty Checking accounts do not qualify for the Rewards Program.