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What is Multi Factor Authentication, and how does it work in RCU Online banking?

Multi Factor Authentication has evolved from just usernames and passwords. We use a combination of geolocation, device information, and one-time passcodes to protect your account.  For additional security on high risk situations, we will also ask out of wallet questions. The additional layers of security make it more difficult for anyone to access your information, and greatly reducing the risk of potential online theft and fraud.

Biometric security has been added to our mobile app, such as Fingerprint Identification as well as Facial Recognition for supported devices.

We take your information, security and privacy very seriously. If you have any questions or concerns, please contact us at 800-479-7928.

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PPP Forgiveness Application Deadline

Congress passed The Economic Aid Act which changed the deferment period from 6 months post covered period to 10 months post covered period. For example, if your covered period ended June 30, 2021, under the new guidelines the earliest your first loan payment wouldn’t be due until April 2022, and you have until then to request forgiveness. Please use the following calculation to help you identify when your forgiveness will be due:

  • PPP borrowers may select a covered period anywhere from 8 weeks to 24 weeks.
  • RCU is automatically calculating your loan due date based on a 24-week covered period, if you intend on using a shorter covered period please inform us immediately as this will impact your due date.
  • Your correct deadline will be reflected in your online banking account.

If all or part of your PPP loan is not forgiven, your first loan payment will be due the first of the following month after a decision is made by the SBA.

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