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System Upgrade

We are currently in the process of upgrading our system to enhance your experience. During this time, you will not be able to access your online or audio account information and both locations will be closed Saturday, May 18th. We apologize for any inconvenience this may cause and thank you for your patience and understanding. 

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Text Messaging & Text Banking

It's easy...

You're going to appreciate the convenience!  Enrolled members can text message requests or banking commands, and receive text message replies. 

Enrollment is fast and easy, letting you text with us, check balances, get alerts and more - right on your phone or other mobile device.   

Text Messaging now available

Text Messaging offers an additional vehicle for member conversations with Ripco representatives. Text Messaging enables Ripco staff to send and receive two-way text messages with members. This texting option has been added to reduce hold times and improve our members’ experiences.

Simply text our landline 715-365-4800 to get a response directly from a familiar and friendly credit union staff member (during business hours):

Ripco is happy to provide this additional way for you to stay in touch with your credit union no matter where you are - with landline texting powered by Zipwhip™.

Text Banking - your funds at your fingertips

Now you can text us and our text replies with your available account balances at any time. You can also select to have eAlerts, such as balance alerts, sent to your mobile device in the form of a text message, giving you timely feedback when your available funds drop below a desired level.

Additionally, you can create custom transfer codes to easily transfer funds between accounts. Text banking allows you to  conveniently receive account information with real-time alerts on any phone that can receive text messaging. Text banking can save you time and take you directly to specific parts of our Ripco Credit Union website using keywords:

Table of text banking keywords
LOAN Apply for a loan using our online loan application
RATES See our current rates — loan rates will be at the top; scroll down for savings and certificate rates
APPS Get our banking apps in your phone’s app store
ABOUT See our business hours and branch locations
BAL Text BAL to 46-247 (IM-247) to check account balances and set up regular alerts for balance limits, loan payments or transactions on your accounts

*NOTE: There is a complete list of commands in the It's Me 247 Text Banking screen that you can access during enrollment. 

You can enroll in text banking by clicking on the “Go Mobile” button on the It’s Me 247 (online banking) toolbar. Then select “Text Banking More Information” to access the enrollment screens.

Enrolling is a breeze 

Watch the video below, and see additional 'How To' videos below the Frequently Asked Questions. 

Enrolling in Text Banking Using our Mobile Banking App

Frequently asked questions

What are the benefits of text banking?

Enrolled members receive the following services from their credit union:

  •  Members can text message requests and receive text message replies on the available balance on accounts of enrolled memberships.
  • Members can enroll in eAlerts and select to have the alerts sent to them in the form of a text message.
  • Members can quickly transfer funds between accounts. 

How do I enroll in text banking?

You can enroll in Text Banking by clicking on “Go Mobile” at the top of the It’s Me 247 toolbar. Then select Text Banking to access the enrollment screens.

How secure is text banking?

Our Text Banking service is secure. You can activate the service only when you are securely logged into your online banking account. Text messages will never contain confidential information about you or your accounts. Messages will never contain full account numbers.

Will I be charged for text banking?

Your mobile phone carrier may charge you standard text messaging fees. Please check with your mobile phone carrier if you aren’t sure what fees apply when you send and receive text messages.

How do I un-enroll from text banking?

Simply text “STOP” to IM247 (46247) on your enrolled mobile phone, or you can return to the Text Banking page and click the Unenroll button. We will no longer send text messages to you from the Text Banking service. You can add a new phone at any time if you change your mind later.

Why do I need to verify my phone?

Verifying your phone is a one-time step and is one way we ensure the security of Text Banking.

Where do I find my verification code?

During enrollment we will send you a text message with your verification code. If you have already submitted your mobile number during enrollment, check your mobile device now. You should receive a text message with your 
verification code within a few minutes.

I still have not received my verification code, what do I do? 

It might take several minutes to receive your code. If you feel you have waited long enough, you can click the Send Code Now button again. Please check your mobile device shortly for a new text message. If you still experience problems, be sure you entered your mobile device number correctly.

Can I come back later to enter my verification code?

Yes you can. If you experience difficulties, we recommend that you go through the enrollment process again and get a new code.

What commands or keywords can be used?

You can view a list of commands by clicking the View Available Commands link on the Text Banking page in online banking.

Are keywords case sensitive?

No, keywords are not case sensitive. You can type 'help' or 'HELP'.

What is the number I should send keywords to?

The short code is IM247 (46247). This short code will only work if you have enrolled in Text Banking.

How long does it take to get a text message?

You should receive a message within one or two minutes. Exact timing depends on your mobile service carrier.

Is there any password needed for Text Banking?

There is no password needed for sending and receiving text messages to IM247 (46247).

What should I do if I lose my phone?

You should go to the Text Banking page within online banking and delete the mobile device you have lost. That will terminate Text Banking service for that mobile device. You can always return later and enroll a new device.

I have a new mobile phone number. Can I change my number online?

Yes – you first need to delete your old phone number from within online banking or by texting STOP to IM247 (46247). Then enroll your new mobile device from within online banking.

Can I get an account balance or loan payment alert on my mobile device?

Yes, once you setup an eAlert in online banking, there is an option to receive a notification via text message.

Can I transfer money using text banking?

Yes, members must create custom transfer codes to transfer between suffixes. To set up a custom transfer code, members will visit the text banking page and select the Transfer Commands button. From there, members can add a new command by selecting their "From" account and their "To" account, as well as assigning a transfer code from 1-8 characters to the desired action. Note that transfers are not available on certain Mortgage categories, and disbursement transfers are not allowed from Closed-End loans and Credit Card loans. 


How To Video Series

Enrolling an Additional Number in Text Banking

Using Text Banking Commands

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