What is wireless/Mobile Banking?
Wireless Internet banking, commonly called wireless banking, allows members to access account information and perform transactions over the Internet using a mobile phone or a personal digital assistant (PDA) instead of a personal computer. Wireless banking is relatively new and rapidly evolving.
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Is there a fee for Mobile Banking?
RMLEFCU does not charge any fees for Mobile Banking. Connectivity and usage rates may apply. Contact your wireless service provider for more details.
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Where can I find information if I am considering wireless banking?
www.rmlefcu.org Internnet Banking under the Account drop down is a good place to start. The Web page provides a summary, as well as the website for both HTML and WML access. You will need a Web-enabled or Web-ready mobile phone or PDA.
Wireless Banking With a Web Enabled Cell Phone or PDA
Our Wireless Banking products lets Rocky Mountain Law Enforcement FCU members conduct secure Internet banking from anywhere, at any time. You can check your balances, view your account history and even make transfers. In order to use wireless banking you must first set up a Multi-Factor Authentication login, including your Security Questions and Security Key, through an online banking session via your PC or Mac.
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Do I have to use Internet Banking to be able to enroll for Mobile Banking?
Yes. For security purposes, Mobile Banking enrollment takes place within Internet Banking.
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What's the weird new code I see when I want to log onto internet banking?
We have recently updated our website, and with the updates come new security features. When logging onto an account on the online banking page, it will ask for the account number (member number), and pin number (access code) just as it did before. It will then ask the user to type in a code that is displayed as a picture in a box. When this code is entered in, it will allow the user to proceed to the account. The code can be entered into a field below the picture.
The reason for the picture with the weird numbers and letters is to stop dangerous software that may have your information from logging onto your account without the account owner’s permission. Since this dangerous software can NOT read what's on a picture, it knows that only a human can read the letters and numbers it displays. Being able to enter them into the field below tells the system that user is who they say they are, and not dangerous software. There is NO need to remember the code, it will change every time the log on page is displayed, and all that the user has to do is enter in what is displayed in the box.
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How do I access my accounts over the internet?
You may use our Internet Banking system at https://s9.lanxtra.com/internet/choice.html, this is a free service to make transfers, check balances, history, check for deposits and to sign up for Bill Payments.
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Where can I obtain NADA or Blue Book values?
NADA or Blue Book values may be obtained by visiting our website at www.rmlefcu.org, click on Loans, then click on Auto Loans, Colorado Auto Trek's home page, click on Information Services, New cars are listed under Chrome Car Book, Used cars are listed under nadaguides.com
By calling 720-855-4000(Direct line to loan department) or 303-934-5600(Direct line to Auto Trek) ask for a NADA quote.
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How long would it take to get a 1st mortgage loan?
Anywhere from 3 to 4 weeks. If everything goes smoothly with verifications, clear title report , a satisfactory appraisal, we can close the loan within a 3 week period.
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What is a late fee for delinquent mortgage payment?
Legally allowed penalty charges to members for late payments.
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Listed below are the Late Fees for each loan type:
Consumer Loans: A 5% Late Fee with a minimum of $15.00 will be assessed after a 10-day delinquency. First Mortgages: If your payment is more than 15 days late, a Late Fee of 5% will be assessed on the principal and interest payment. Second Mortgages: A $10.00 Late Fee will be charged for any payment not received within 10 days of the payment due date. HELOC’s: If your payment is more than 15 days late we may charge you 5% of the payment.
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Who does a member call if they have problems with their bill pay?
A member will need to call 866-211-1508 along with the confirmation number of the bill in question. They will be able to track the payment for the member.
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What are the credit union hours?
Open Mon, Tues, Thurs, Fri: 8 am - 5pm
Open Wednesday: 9 am - 5 pm
*Saturday Drive-Up Hours: 9 am - 1 pm
* Denver office and Aurora office only
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Where are your office locations?
Rocky Mountain Law Enforcement Federal Credit Union's locations are:
Main Office:
700 W. 39th Ave. Denver, CO. 80216
Aurora Branch Office:
992 Potomac Circle Aurora, CO. 80011
Lone Tree Branch Office:
9500 Heritage Hills Circle Bldg. B, #100 Lone Tree, CO. 80124
To view a map of our locations please click on the link. http://www.rmlefcu.org/dpmaps.htm#denver
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How do I order new checks?
There are several ways to order checks, you can choose the one that is the most convenient for you:
* Mail your check reorder form directly to the credit union.
* Call 303-458-6660 and they will direct you to the right person.
* Go to our web site www.rmlefcu.org.
* Go to www.checkreorderexpress.com.
* Or call 1-800-355-8123, Service line plus.
You will need your account number. The credit union routing number is 302075283.
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What is your mailing address?
Rocky Mountain Law Enforcement Federal Credit Union
700 W. 39th Ave.
Denver, Colorado 80216
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Where can I find a list of your branch phone numbers?
Main Office
303-458-6660 (phone)
800-371-7716
303-480-1921(fax)
Aurora Branch Office:
720-855-4176(fax)
Lone Tree Branch Office:
720-855-4185 (fax)
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What is the Rocky Mtn. Law Enforcement FCU routing number?
Our Routing Number is 302075283. These nine numbers can be found in the bottom right corner of your check or deposit slip. The next set of numbers is your account number.
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What is the current interest rate for someone that just is applying for a visa credit card?
The rate can be found on our rates page http://www.rmlefcu.com/asp/rates.asp
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How can I apply for an auto loan?
Auto loans can be applied for via the internet, contacting the credit union at 303-458-6660 or stopping in at one of our offices.
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How can I change my password to log on to my account?
You can change your PIN/Password through the Internet Banking system. Once you have logged on you can find the option to change it under options, then user settings. You can also change it through the phone Informant (code 66) or by calling the credit union.
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I Want to use e-statements but I don't know what my pin number is. How do I get a PIN?
Please call or visit the credit union and we will be happy to issue you a PIN.
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What’s a Credit Union?
A credit union is a cooperative, not-for-profit financial institution organized to promote thrift and provide credit to members. It is member-owned and controlled through a board of directors elected by the membership. The board serves on a volunteer basis and may hire a management team to run the credit union. The board also establishes and revises policy, sets dividend and loan rates, and directs certain operations. The result: members are provided with a safe, convenient place to save and borrow at reasonable rates at an institution which exists to benefit them, not to make a profit.
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Who owns a credit union?
Most financial institutions are owned by stockholders, who own a part of the institution and intend on making money from their investment. A credit union doesn't operate in that manner. Rather, each credit union member owns one "share" of the organization. The user of credit union services is also an owner, and is even entitled to vote on important issues, such as the election of member representatives to serve on the board of directors.
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How did credit unions start?
The first credit union cooperatives started in Germany over a century ago. Today, credit unions are found everywhere in the world. The credit union movement started in this country in Manchester, New Hampshire. There, the St. Mary's Cooperative Credit Association, a church-affiliated credit union, opened its doors in 1909. Today, one in every three Americans is a credit union member.
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What is the purpose of a credit union?
The primary purpose in furthering their goal of service is to encourage members to save money. Another purpose is to offer loans to members. In fact, credit unions have traditionally made loans to people of ordinary means. Credit unions can charge lower rates for loans (as well as pay higher dividends on savings) because they are nonprofit cooperatives. Rather than paying profits to stockholders, credit unions return earnings to members in the form of dividends or improved services.
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Are savings deposits insured?
Yes. All savings accounts are insured up to $100,000 by the NCUA, the National Credit Union Administration, an agency of the federal government.
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Who can join a credit union?
A credit union exists to serve a specific group of people, such as a group of employees or the members of a professional or religious group. This is called a "field of membership." The field of membership may include where they live, where they work, or their membership in a social or economic group.
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Are my foster and stepchildren eligible for membership?
Yes, children—natural, adopted, step, foster—are eligible
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What does joint ownership with survivorship mean?
On the death of an owner of the account, the deceased owner's shares in the account pass to the surviving owner of the account.
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If I leave your field of membership, will I have to close my Rocky Mountain Law Enforcement FCU accounts?
No, once you've joined, you can remain a member as long as you have active accounts.
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