Thanksgiving Holiday Hours
We will be closed on Thanksgiving Day, November 28th. Please utilize our It'sMe24/7 Online Banking and Mobile App for all your banking needs. We will resume normal business hours Friday, November 29th.
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 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™.
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:
LOAN | Apply for a loan using our online loan application |
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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.
Watch the video below, and see additional 'How To' videos below the Frequently Asked Questions.
Enrolling in Text Banking Using our Mobile Banking App
Enrolled members receive the following services from their credit union:
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.
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.
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.
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.
Verifying your phone is a one-time step and is one way we ensure the security of Text Banking.
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.
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.
Yes you can. If you experience difficulties, we recommend that you go through the enrollment process again and get a new code.
You can view a list of commands by clicking the View Available Commands link on the Text Banking page in online banking.
No, keywords are not case sensitive. You can type 'help' or 'HELP'.
The short code is IM247 (46247). This short code will only work if you have enrolled in Text Banking.
You should receive a message within one or two minutes. Exact timing depends on your mobile service carrier.
There is no password needed for sending and receiving text messages to IM247 (46247).
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.
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.
Yes, once you setup an eAlert in online banking, there is an option to receive a notification via text message.
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.
Enrolling an Additional Number in Text Banking
Using Text Banking Commands