Transactions are credited as of the date of receipt. You may only exercise the Skip-a-Pay feature six times during the entire term of your loan. Maximum of one Skip-a-Pay per loan per calendar year. Refer to your loan agreement for the original terms and conditions. All other terms and conditions of your loan agreement continue to remain in full force and effect. Your current loan payment amount is not changing. You agree that by skipping one payment, you are extending the final payment and maturity on your loan by one month. A larger portion of your next payment will be applied to interest rather than principal. Interest will continue to accrue during the deferment period. Skip payment requests can be made by any borrower on the loan. Your normal payment schedule will resume on the month following the month you select to skip. When approved, the date on your loan is moved forward one month from the present due date. *Skip-a-Pay Terms and Conditions: A processing fee of $35 per Skip-a-Pay request will be charged for each skip. Must have checking account, online banking, and PIN/password to participate in Redstone Rewards, Mobile Banking, Bill Pay, eStatements, alerts, Zelle, and Finance Works. Please contact the Credit Union for more information about these amounts and fees. Minimum opening deposits, average monthly balances, and monthly checking maintenance fees apply to the checking accounts and vary per checking account type. Must not have caused RFCU a loss in order to be eligible to open a checking account. Must have online banking user name and PIN/password to be able to apply online. RFCU is an Equal Credit Opportunity Lender. Rates, terms, and conditions are subject to change without notice. A minimum balance of $5.00 is required to open a share savings account and must be maintained in share savings account at all times. Must be eligible for membership and open a share savings account. Take a tour of our financial tools and see if ClearCheckbook is the right tool for helping you manage your money.Must be an RFCU ® member to obtain any product or service. With everyone taking more of an interest in tightening their budgets, having a powerful tool at your disposal to track all your spending and saving, as well as viewing reports and setting budgets is extremely important. Money management is more important now than ever. All of our apps sync directly with the website so you'll always be on top of your finances. In addition to our main website, we also offer money management applications built specifically for the iPhone, iPad, and Android mobile devices. We also have some additional premium features that can be activated for a very small monthly payment. The site is completely free to sign up and use. We encourage you to try the site out and see how it can help you manage your money and get your finances under control. We also use the account/categories you assign a transaction to generate reports and use them for your budgets. This way you will always know what transactions have been cleared with the bank and how much money you have. You can go back through the online checkbook register and mark transactions as "Cleared". As an online checkbook, you enter your receipts into the site and assign each transaction to an account and category. is an extremely easy way to balance your checkbook online, track your spending, set a budget, manage your money and more.
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