Robins Federal Credit Union Vehicle Inventory List (2024)

FAQs

What credit score does Robins Federal credit union use? ›

You need only click the notification tile to access the FICO^® Score 9 based on Experian data, this is the version of FICO^® Score used by Robins Financial.

As a member-owned, not-for-profit financial cooperative, each member has an ownership stake in the credit union, rather than shareholders like at a bank.

If, for any reason (including a fee charged by us), you overdraw the available balance in your checking account, Robins Financial may elect to cover the overdrafts under the Bounce Protection option. For each overdraft, you will be charged a Bounce Protection Overdraft Fee of $25.00 per transaction.

The current daily dollar limit is $2,500.00 per business day.

What credit score do you need for a credit union personal loan? Usually, you need a credit score of at least 640 to get an affordable personal loan. If your score is lower than that, explore fair credit and bad credit loans.

You can withdraw up to $500 per day. When you use your VISA^® debit card to conduct a Signature or “Credit” transaction (for example, when you do not enter your PIN), the merchant sends Robins Financial the amount, usually the purchase total, for authorization.

An overdraft limit is the maximum amount that banks allow you to withdraw. For example, you might have a bank account balance of $5,000 with an overdraft limit of $500. It means that you can spend up to $5,500, but you can't withdraw or request for an added money if the payment exceeds the limit.

But you will not be able to withdraw cash or transfer money until your account balance is back in credit or within its limit. Unarranged overdrafts can be bad for your credit score.

Most of our checking accounts only require a $25 initial deposit to open an account.

How long does it take for a check to clear at Robins Federal Credit Union? ›

GENERAL POLICY — Our policy is to make funds from your cash and check deposits available to you on the same business day that we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit.

The one-time cash deposit maximum is generally $5,000. Automated Clearing House (ACH) External Transfer transactions are subject to limits on the dollar amount of electronic transfers between your account and external accounts at other financial institutions.

Toggle Expand/Collapse. One of the most popular brands of credit scores is the FICO Score, created by the Fair Isaac Corporation. The FICO Score is used by most lenders, and typically ranges from 300 (very poor) to 850 (exceptional).

The Union Bank® Platinum™ Credit Card uses either Experian, Equifax or TransUnion for approval. The selection is done randomly, so there is no way to know beforehand. After you get approved, the card will report your activity to all three bureaus. This answer was first published on 05/30/22.

While the FICO^® 8 model is the most widely used scoring model for general lending decisions, banks use the following FICO scores when you apply for a mortgage: FICO^® Score 2 (Experian) FICO^® Score 5 (Equifax) FICO^® Score 4 (TransUnion)

A bank or credit union may make a soft inquiry on your credit when you open a new checking account to check for a history of fraud. These soft checks do not affect your credit score. However, in some cases, a bank may perform a hard credit check, which does affect your credit score.