Digital Banking Services

Online & mobile banking features

Here are some of the everyday things you can do in Ripco’s digital banking — designed to make managing your money easier than ever.

Apply for a Loan

Explore a variety of loan options and great rates right inside Online Banking. Choose the product that fits your needs and apply whenever you're ready — no appointment needed.

Apply For A Loan Now

Update Personal Information

Quickly review and update your address, phone number, or email to keep your account information accurate and up to date.

Enroll & View eStatements

Sign up to receive your credit union account statements electronically through online banking.  Go paperless and enjoy secure access to up to 12 months of statements. View, save, or print — all in seconds.

View Account Balance & History

See your balances, filter transactions, review check images, and view your principal and interest breakdown.

Transfer Funds Between Your Ripco Accounts

This feature allows you to transfer funds between your Ripco accounts in real time. Move money instantly between your Ripco accounts or schedule transfers to happen automatically - weekly, monthly, or on the date you choose - like a weekly transfer to your savings account or a monthly transfer to make your loan payment.   

Transfer Funds to Other Members

Send money to any Ripco member with ease! Select “Another Member,” enter their information, and the funds are available immediately. When setting up a Quick Transfer in Online Banking, the “Transfer To” field will list “Another Member”. From here you will enter the recipient’s Ripco account information and amount you would like to transfer. It's easy and immediate!

Get Funds Early for ACH Deposits

See a pending direct deposit? Tap Post Now under Instant Deposits to receive it a day early! Refer to Ripco’s Fee Schedule (PDF) for applicable fees.

Update ACH Deposit Distributions

View all incoming deposits — like payroll, Social Security, pensions, or any other items where funds are automatically deposited into your accounts through the Automated Clearinghouse (ACH) — and choose exactly where your money goes. When you select a transaction, you can update or add distributions, allowing you to control where your money is transferred after the initial deposit comes in. Adjust distributions anytime to fit your budget and goals. 

Credit & Debit Card Controls

Manage your Ripco credit and debit cards on the go! Lock or unlock your card, set spending limits, and receive real-time alerts - all from your Ripco mobile app.

Update Overdraft Service

Choose whether you want overdraft coverage for everyday debit and ATM transactions. Update your preference anytime in the app or by contacting us.

 

Bill Pay

Skip the paperwork and manage your payments in one secure place. With Bill Pay, you can schedule recurring payments, set reminders, and track every bill as it clears — all without writing a check or buying a stamp. It’s a simple way to keep life organized and avoid missed due dates, whether you’re paying utilities, your phone bill, or your monthly subscriptions.

E-Alerts & E-Notices

Stay connected to your accounts in real time. Set up customized alerts for low balances, deposits, large withdrawals, loan due dates, and more. Whether you prefer email or text, E-Alerts and E-Notices help you manage your money confidently and avoid surprises.

Text Banking

Your account information is just a text away. Send a quick message to 715-365-4800 to check balances, review recent activity, or transfer funds between Ripco accounts. It’s fast, secure, and perfect for moments when you don’t have data or time to log in.

Card Control

Your Ripco cards, your rules. Card Control lets you manage your debit and credit cards right from the mobile app. Instantly turn a card on or off, set spending limits, choose where your card can be used, and receive real-time notifications for added peace of mind — all from the palm of your hand.

Audio Banking

Prefer phone access? Audio Banking makes it easy to check balances, transfer money, and review recent transactions 24/7. Simply call 833-365-4801 to get started. A Ripco team member will help activate your access the first time — after that, you’re ready anytime, anywhere, with no internet required.