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Lost card
If Your Card has been Lost or Stolen
Please notify us immediately.
1-800-264-5578 (24 hrs)
or 781-942-5000 during banking hours
If you found a card please contact us.
Order Checks
To Re-order Checks, You Can:
Mail us the re-order slip from your checkbook
Call us at 781.942.5000 during banking hours
Email your request to banking@readingcoop.com
Visit any RCB branch and see a Banking Specialist
Online sign-in to Online Banking and click 'check reorder' at the bottom of Account Overview page
A-T-M Locator
"These are some commonly asked questions, but don't hesitate to call or e-mail us if you need assistance."
~ Teresa Cunha, VP/Branch Administrator

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Frequently Asked Questions

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General Banking
What is the bank's ABA/routing/transit number?
Our ABA number is 211372404. This number is also called the routing or transit number. An ABA (American Bankers Association) number is used to uniquely identify every bank in the country.
Who actually insures the deposits in Reading Cooperative Bank?
The Federal Deposit Insurance Corporation (FDIC) provides insurance for the first $250,000 per depositor, a recent increase from $100,000. The Share Insurance Fund (SIF) of The Cooperative Central Bank provides total insurance for all remaining balances and interest.
How much deposit insurance do I have for my account?
Every deposit you make at Reading Cooperative Bank is insured in full. This includes deposits and accumulated interest in savings accounts, checking, and interest-bearing transaction accounts, money-market accounts, and certificates of deposit.
How are depositors protected against loss?
Reading Cooperative Bank is regularly examined by Federal and State banking agencies for compliance with safe and sound banking practices. Should financial difficulties arise, The Cooperative Central Bank can assist in restructuring a member bank to regain a sound condition.
Are all banks insured by the Share Insurance Fund?
No. Only Massachusetts-chartered Cooperative banks offer the additional protection of the Share Insurance Fund.
How are the assets of the Share Insurance Fund invested?
The assets of the Share Insurance Fund are divided into short-term obligations of the United States Government, federal agencies, certificates of deposit, and certain other secure and conservative investments.
How does the insurance provided by the Share Insurance Fund compare to other existing deposit agencies?
The deposit insurance provided by the combination of the FDIC and SIF is the best available. You should be assured that your deposited assets will be INSURED IN FULL for as long as they are in Reading Cooperative Bank.

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Deposit Accounts
Can I authorize direct deposits of my payroll check into my checking or savings account?
Yes. Assuming your employer participates in direct-deposit programs, you'll just need to provide Reading Cooperative Bank's ABA routing number to your employer's payroll department. Your direct deposit will usually begin within thirty days.
Can I authorize direct deposits of my Social Security check into my checking or savings account?
Yes. You just need to have your basic account information available, and you can call the Social Security administration toll-free at 1-800-772-1213 or complete this form from the Social Security website. Your direct deposit will usually begin within thirty days.
Can I make wire transfers?
Yes. You can transfer funds into or out of your accounts via wire transfer or through ACH debits or credits.
How do I switch my accounts to Reading Cooperative Bank?
Switching an account to Reading Cooperative Banking is very easy. The easiest way to do this is to download our Switch Kit. Or you can visit one of our conveniently located branches and request a simple New Account Kit. We can walk you right through it, if you like, and you'll be all set up with temporary checks/deposit slips, that day. If you have any questions or need additional help, please contact us.
When are my deposited funds available to me?
Same Day Availability - Funds from the following deposits become available on the day we receive the deposit:
• Cash deposits made in person to one of our employees
• Funds from electronic direct deposits
• Wire transfers
• Checks drawn on Reading Cooperative Bank
Next-Day Availability - Funds from the following deposits become available on the first business day after we receive the deposit:
• U.S. Treasury checks that are payable to you
• Cash deposits not made in person to one of our employees
• Federal Reserve Bank checks, Federal Home Loan Bank checks, and U.S. Postal Service money orders, if these items are payable to you
• State and local government checks that are payable to you
• Cashier's, certified, and teller's checks that are payable to you
How do I re-order checks?
You may reorder checks by mailing us the reorder slip in your last booklet of checks, by calling (781) 942-5000 during banking hours, or by stopping by any of our branches. If you use online banking, simply sign in and click "Check Reorder" at the bottom of your "Account Overview" page, under the "Services" heading.

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Contact
How do I contact Reading Cooperative Bank if I have a question that's not answered on your website?
You can call us at (781) 942-5000 or you can stop by any RCB branch during normal business hours. You can also email us at banking@readingcoop.com.

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Privacy & Security
How does Reading Cooperative Bank protect my privacy?
We take the privacy of your information very seriously, and have developed a very strict and extensive Privacy Policy to ensure the safeguarding of your information and to protect all of our customers, both online and off.
To read our Privacy Policy, click HERE
To read more about Security measures specific to online banking, click HERE.
What is Phishing?
Phishing is the use of legitimate-looking e-mails and Web sites to try to convince you to provide private information that could be later used for identity theft. In a word, it is a type of fraud.
The e-mail directs the user to visit a website that looks exactly like the real website, but isn't. The user is then asked to update personal information, such as name, account and credit-card numbers, passwords and Social-Security numbers. By the time the user realizes what has happened, it's too late. All of their accounts and confidential information have been compromised.
Reading Cooperative Bank will NEVER ask you to provide personal information like this over the internet (or telephone). If you are ever contacted by someone asking for this type of information on behalf of the bank, please contact us immediately.
How do I protect against identify theft?
Identify theft has become a growing problem in recent years. But there are some easy things you can do to guard against becoming a victim:
• Don't use your mailbox for outgoing mail, and remove incoming mail promptly.
• Hold on to your receipts when you leave stores, gas stations or ATMs.
• Never provide your social-security number over the phone when you haven't initiated the call.
• Review your credit-card statements, and make sure you can account for every charge.
• Make a copy of all your credit cards, and keep it in a secure place.
• Keep abreast of scams and issues in the news that relate to this problem.
• Feel free to contact us whenever you need help or more information.
See also "What is Phishing?" above.
What do I do if I am a victim of identity theft?
Contact the police, your credit-card companies and Reading Cooperative Bank immediately. Call the police and request a report for your records. Call the Social Security Fraud Hotline: 1-800-269-0271. Call the three, major credit bureaus to alert them. Ask for a "fraud alert" to be placed on your file and that no new credit be granted without your approval.
• EQUIFAX: 1-800-525-6285
• EXPERIAN: 1-888-397-3742
• TRANS UNION: 1-800-680-7289

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Online Banking
How do I get started?
Simply click on the word "Enroll" next to "Online Banking" at the top of the page and follow the simple instructions to sign-up. Any computer with access to the Internet can interface with RCB's Online Banking service. Our Internet security requires that you use a Web browser which is capable of supporting 128-bit encryption.
What are Reading Cooperative Bank's online capabilities?
When you bank online, you can view recent transactions and account statements, check account balances, review interest information, pay bills online, make loan payments, transfer funds to all accounts, but not from passbook accounts or loans. You can also export account information into Quicken®.
Will I be charged for online banking?
No. As an RCB customer, you enjoy FREE online banking.
Which accounts are available through online banking?
You can access any of your RCB accounts, including Checking, Savings, Certificates of Deposits, Lines of Credit, Residential and Installment Loans through online banking.
Do joint account holders share the same online access?
No. Each Login ID is assigned to an individual. When you enroll, you will be given access to all of your accounts, whether you are the primary or secondary owner. We recommend that each user enroll for his or her own Login ID.
When can I access my accounts online?
RCB's online banking service is available to you 24 hours a day, seven days a week, except during scheduled maintenance periods or other unforeseen outages beyond our control.
When will transfers I make online be posted?
Transfers initiated through the Service before 8:00 PM (Eastern Time) Monday through Friday, are posted to your account on the same day. Transfers completed after 8:00 PM (Eastern Time), or on a Saturday, Sunday or banking holiday may be posted on the next business day.
How does Reading Cooperative Bank protect my privacy?
We take the privacy of your information very seriously, and have developed a very strict and extensive Privacy Policy to ensure the safeguarding of your information and to protect all of our customers, both online and off.
To read our Privacy Policy, click HERE.
To read more about Security measures specific to online banking, click HERE.
Is online banking secure?
Reading Cooperative Bank has developed extensive measures to ensure the secure, safe handling of all online transactions. Information encoding, a password "lockout" system, and automatic log-off are just some of the methods we use to protect your online banking activities. More detailed information can be found on our Security page.
What should I do to protect my own account information?
You should never provide your password to a third party. If you do so, you are authorizing that party to make transactions on your account, and, therefore, you are responsible for any transactions that may result. In the event your password is lost or shared with a third party, notify Reading Cooperative Bank immediately. Failure to notify Reading Cooperative Bank of lost or shared passwords may result in a loss of funds. To further protect your account, we also recommended the following:
1) Change your password on a regular basis.
2) Do not store your password or other sensitive data on your computer.
3) Log out of your online banking account when you are finished using it.

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Apple Pay
What is Apple Pay?
Apple Pay is a mobile wallet that allows you to pay for purchases in stores and in apps using only your Apple device instead of a physical credit or debit card. Simply hold your phone near the card reader in store, authorize the transaction using Touch ID™, and your purchase is complete.
Is there an additional fee for using Apple Pay?
No, RCB is proud to offer Apple Pay free of charge.
What do I need to use Apple Pay?
You can use Apple Pay with the following devices running iOS 8.1 or later:
  •   • iPhone 6® or later (for use in stores and within apps)
  •   • iPad Air 2® or later (for use within apps)
  •   • iPad mini 3® or later (for use within apps)
  •   • Apple Watch® (for use in stores)
  •   • iPhone 5®, iPhone 5C®, iPhone 5S® ONLY when paired with Apple Watch (for use in stores)
How do I add my Reading Cooperative Bank debit card to Apple Pay?
To add your card on an iPhone or iPad:
  •   • To add your card on an iPhone or iPad:
    •     i. Open Wallet
    •     ii. Tap the plus sign in the upper right hand corner and follow the instructions on the screen.
  •   • You can also go into Settings, open Wallet & Apple Pay and click "Add Credit or Debit Card". Then, use your iPhone or iPad      camera to enter the card information, or type it in manually. You can then designate your RCB card as your default card.
  •  • You can add or remove as many cards as you want from Apple Pay at any time, and add the same card on multiple compatible devices.

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Making Purchases

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Do all merchants take Apple Pay?
The number of merchants accepting Apple Pay is growing every day. You can know a merchant accepts Apple Pay if you see the symbol below on their registers. Since not all merchants take Apple Pay, we recommend that you continue to carry your physical cards.

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How do I make a purchase using Apple Pay in store?
  •   • Rather than swiping or inserting a physical card, Apple Pay allows you to make secure transactions easier and faster.
  •   • Once your card is set up in Apple Pay:
    •     i. Hold your phone near the Apple Pay card reader with your finger on the Touch ID sensor.
    •     ii. You will feel a vibration and see the symbol below when the transaction is completed.
How do I make a purchase within an app?
Some apps accept Apple Pay as a form of payment. The process works the same as in store transactions, without the need to hold your device near a card reader.
If I have the option to choose debit or credit for a transaction, which should I choose?
For some transactions, you may have the option of choosing between debit and credit when paying using your debit card. If you see this choice, we recommend selecting credit, as some older merchant terminals do not process debit transactions as efficiently.
Where can I see my recent Apple Pay transactions?
Your most recent transaction on each card in Apple Pay is listed directly below the card after you click on it. More recent transactions can be found by clicking the info button on that screen.
How will Apple Pay transactions appear on my monthly statement?
Apple Pay transactions will appear the same way as a physical card transaction.
How do I return an item that I’ve purchased using Apple Pay?
First, you will need that device that you made the payment on. Then, provide the merchant with your Device Account Number (DAN) so they can process your return. You can find the last 4 digits of your DAN by clicking on your card in Wallet, and then clicking on the information icon and scrolling down. Then, authorize your return the same way as you make a transaction, by holding your device near the card reader and placing your finger on Touch ID.

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Privacy & Security
Are Apple Pay transactions secure?
Yes. Apple Pay transactions are even more secure than physical card transactions. Rather than using your name and card number for a transactions, Apple Pay assigns your device its own identification number as well as a unique transaction code for every purchase. This way, cashiers and merchants will not have access to your card information.
What if my iPhone is lost or stolen?
If your iPhone or other Apple Pay compatible device is lost or stolen, you can use the Find My iPhone app to put your device into “Lost Mode,” which will disable Apple Pay. You can also remotely wipe your iPhone or log into your iCloud account from another device to suspend Apple Pay.
If I remotely wipe my phone, will my physical card information be lost?
No, only the information stored on your phone will be erased. You physical card information will not be affected.
What happens when my card expires?
When your card expires, RCB will issue you a new one and update the card information with Apple Pay automatically.
What if my card is lost or stolen?
As always, you should call RCB at 1-800-264-5578 or 781-942-5000 during banking hours to report a lost or stolen card. Once you are issued a new card with a different card number, you will need to add it to Apple Pay.

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General Resources
Where can I go for more information about Apple Pay?
For general information, visit apple.com. For information including a list of merchant locations that accept MasterCard® contactless payments, visit mastercard.us.

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Mobile Deposit
What is Mobile Deposit?
Reading Cooperative Bank Mobile Deposit allows you to deposit a check using the Reading Cooperative Bank Mobile Banking app on your iPhone or Android mobile device, provided your device has a camera.
Who is eligible to use Mobile Deposit?
You may use the Mobile Banking App to deposit checks if:
• You have an internet-enabled iPhone or Android device with a camera
• You have an active internet connection with a wireless carrier or on a WiFi network
• You are enrolled in Reading Cooperative Bank Mobile Banking
• You have the Reading Cooperative Bank Mobile App on your mobile device
• You have an active consumer checking, savings, or money market account
Reading Cooperative Bank Mobile Banking App is available for iPhone, iPod, and most Android mobile devices.
How do I sign up for Mobile Deposit?
You must enroll in Reading Cooperative Bank Mobile Banking. To begin the registration process, you must first accept the Terms and Conditions. You will then be prompted to enter your Account Information, select Security Questions and create a UserID and Password.
When can I make a Mobile Deposit?
Just like Mobile Banking, you can use Mobile Deposit 24 hours a day, 7 days a week. Please see below for when your funds will be available.
Can I make a Mobile Deposit anywhere?
You can make a deposit from any place that you have an active internet connection. It is suggested that you take pictures of your check on a flat surface in a well-lit area.
Can I make a Mobile Deposit from more than one device?
Yes, you can use any device that you have already enrolled in Mobile Banking.
How do I make a deposit?
Once you sign into the Mobile Banking App:
• Select Deposit, then Start New Deposit
• Select Front, then take a photo of the front of the check
• Select Back, then take a photo of the back of the check
• Enter the amount of the check
• Select your deposit account
• Enter your email if you would like to receive an email confirmation (optional)
• Select Continue
Can I deposit more than 1 check at a time?
Each check must be deposited individually, as you have to take a photo of the front and back of each check. After following the instructions for depositing a check, you can then make subsequent deposits without logging off or closing the Mobile Banking App.
*Customers are not allowed to take 1 image of multiple checks
Can I upload my own check images for deposit?
No, photos of checks that are taken using a separate camera, check scanner, from the phone's photo gallery, or storage device are not allowed to be uploaded. The photos of the check must be taken using the device's camera, at the time of the deposit.
What should I do with the check after I've completed my deposit?
Please retain your deposited check for 30 days and then securely destroy it.
When are Mobile Deposit funds available?
If you submit a deposit before 3:00pm ET on a business day*, that is considered the date of your deposit; otherwise, the next business day is considered the date of your deposit. Funds from Mobile Deposits will generally be available to you within one (1) business days from the date of the Mobile Deposit.

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Funds Availability Policy:
Same-Day Availability - Funds from the following deposits will be available on the day we receive the deposits
• Cash deposits made in person to one of our employees
• Funds from electronic direct deposit and other automated electronic deposits
• Wire transfers
• Checks drawn on accounts at Reading Cooperative Bank

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Next Day Availability - Funds from the following deposits are available on the first business day after the day of the deposit:
• All other checks
• Cash deposits not made in person to one of our employees
Longer delays may apply.
Funds Availability is not verification that items deposited have been honored.
Please refer to the full terms & conditions that you received at account opening, or contact a Banking Specialist with any questions at 781-942-5000.
*Business days are non-holiday weekdays. Holidays and weekends are not business days.
Are there types of checks that I may not deposit through Mobile Deposit?
Yes, you cannot use Mobile Deposit to deposit:
• Checks that are not payable to you or your joint accountholder
• Checks that have already been deposited
• Foreign checks (drawn on a bank that is located outside of the United States and/or not payable in U.S. Dollars)
• Savings Bonds are not considered checks
How should I sign/endorse checks when using Mobile Deposit?
Sign your check using your full name or "For Deposit Only" followed by your account number.
Is there a limit to the amount I can deposit using Mobile Deposit?
Yes, there is a limit to the amount you can deposit using the Mobile Deposit feature. There is a business day limit of $5,000. The Mobile App will notify you if your deposit exceeds the limit. You will be able to make your deposit at one of our convenient branch locations or ATMs.
Is Mobile Deposit secure?
Security is a fundamental part of Mobile Deposit. Reading Cooperative Bank Mobile Banking supports various layers of protection, including:
• Secure Internet Protocol (HTTPS)
• 128-bit SSL encryption
• Firewall Systems
• Intrusion Detection Software
• Personal or transaction data, including Mobile Deposit check images, is never stored on the device. Accounts can only be accessed from enrolled devices after the user has been successfully authenticated.
Will I receive a receipt for my Mobile Deposit?
You have the option to receive a confirmation email. When you make a deposit, just complete the Email section. You can also get Deposit History for up to 90 days right on your mobile device.
How can I view and print a copy of the Mobile Banking Terms and Conditions?
Select View Terms and Conditions on the Mobile App.

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System Requirements
With which browsers may I access online banking?
RCB's online banking can be accessed through most of the popular Web browsers, including Internet Explorer®, Firefox® and Safari®. Your browser must support 128-bit encryption.
Does Reading Cooperative Bank use cookies?
Reading Cooperative Bank uses cookie technology to record and verify product-registration information (acknowledgment of terms and/or conditions). Allowing a website to create a cookie does not give that (or any other) site access to the rest of your computer, and only the site that created the cookie can read it. Therefore cookies are harmless and cannot be used to gather sensitive information from your computer's hard drive. Cookies are not programs and do not transmit computer viruses. You must have cookies enabled to access Reading Cooperative Bank's online banking. Review the question below for more information on how to enable cookies from your browser.
How do I change my settings to accept cookies?
Select your default browser, and follow the directions below.

Firefox 2 or 3
1) Click the Tools menu.
2) Select Options.
3) Click the Privacy tab.
4) Select the 'Accept cookies from sites' checkbox.
5) Click the OK button.


Internet Explorer 6 or 7
1) Click the Tools menu.
2) Select Internet Options.
3) Click the Privacy tab.
4) Click the Default button (or manually slide the bar down to 'Medium').
5) Click the OK button.

Safari 3
1) Click the Safari menu.
2) Select Preferences.
3) Click Security.
4) In the 'Accept Cookies' section, select Always.
5) Click OK.

Chrome
1) Cookies are automatically set up on Chrome.
2) If you need to readjust cookie settings, use the Chrome dropdown menu.
3) Click the Show cookies button to manage your cookies.
4) Click Close when you are finished.
How do I change my password?
Once you have successfully logged into the system, you can voluntarily change your login ID and/or password through the Preferences>Security menu.
How do I export information?
Search & Export Options - As the amount of transaction history for a selected account grows, the search drop-down box allows you to easily find specific online transactions. You can search for transactions by check number, range of checks, date, date range (time period), transaction amount, amount range, transaction description, or other parameters.
Once you have narrowed the list by selecting one of the search filters and entering the required data, click the 'Search' button to display the data. You can restore the original online history list by selecting 'Default View' from the search drop-down selection, and clicking the 'Search' button. You can also get a complete list of available history by selecting 'All Available Transactions' from the search drop-down box.

Instead of displaying your search results, you can also easily export the data to a file by selecting the 'Export to file' option from the 'Display' drop-down. You can then choose a supported format from the drop-down box. You can download your data into popular personal financial management and business financial management applications.

• Microsoft® Excel (.xls) or another spreadsheet application
• Comma separated value file (.csv)
• Microsoft® Money / Microsoft® branch Accounting (.ofx)
• Quicken (.qfx); please contact us for a list of supported versions.

You will be asked if you wish to 'Open' or 'Save' the export file. If you choose to 'Open' the file, you must have the application that supports the file format installed on your local machine.
How do I properly log out of an online banking session?
Click the "Sign Off" button on the upper left hand side of your "Account Overview" page when you are finished or are leaving your computer. This is the best way to protect your account information.
What do I do if I receive the message "Secure connection cannot connect with Web server"?
You may be using a browser that does not support 128-bit encryption. First, you will need to identify which version and encryption strength your browser is currently running. If you do not meet these requirements, you will need to upgrade your browser. Contact us for more information.
How can I get answers to other questions about online banking?
Because there are sometimes delays with e-mail, you should not rely on it if you need to communicate with us immediately (for example, to report a lost or compromised password, or to report an unauthorized transaction in one of your accounts). It is also Reading Cooperative Bank's policy not to accept stop-payment instructions or lost password alerts via e-mail.
Confidential information (account number, credit card number, social security number, etc) should only be sent to Reading Cooperative Bank through secure email. We offer this service at no charge to protect your privacy. To initiate a secure email, click the link below. You will be asked to create an ID (your e-mail address) and a password (known only to you) to send email to Reading Cooperative Bank in a secure environment.
Click here to Initiate Secure Email
What if I lose (or forget) my password?
Just click the "Forgot Password" box under the password log in box on our online banking site and follow the steps. Or call us during regular business hours or visit any of our branchs and we will walk you through the process of setting up a new password.

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Online Bill Pay
Payees
Did the bank re-name my Payees?
No, we didn’t re-name your Payees. If you had previously entered a Payee Description, it now appears as a Nickname. You can review all of your Payees, by clicking on the “Payees” tab.
Are payments being made using the Nickname?
No, all payments are delivered to the Payee. The Nickname is for display purposes only. You can review all of your Payees, by clicking on the “Payees” tab.
Can I change the Payee Nickname?
Sure, you can change or remove a Nickname; it is for display purposes only. If you remove the Nickname, the Payee name will be displayed. See “How can I edit my Payees?” below for instructions.
How can I make my Payees appear in the order that I prefer?
By default, your Payees/Nicknames are sorted in alphabetical order. To re-order them, you can change or create Nicknames that begin with a number. For example: 01-Electric Bill (using the Nickname) or 02-RMLD, 03-Comcast (using the Payee names). See “How can I edit my Payees?” below for instructions.
How can I edit my Payees?
To edit your Payees, click on the “Payees” tab. You will see everyone you have set-up to be paid using this service. To make changes:
1. Click the icon for an individual Payee.
2. In the “Edit Payee” screen that appears, make any desired changes to the information about the Payee.
Payments
How do I schedule payments?
You can schedule a payment to “Pay a Bill” from a few places on the site:
1. Click the “Pay Bills” button from the top menu; then, select
    o Pay Multiple Bills,
    o Pay a Single Bill, or
    o Make a Loan Payment
2. From the “Accounts Summary” tab, scroll down to “Scheduled Payments” and click “Pay a Bill.” In the screen that appears, enter the requested information about the payment.
When is the earliest date I can send a payment?
The earliest Send On date is today’s date. This is the date that funds are debited from your account. The Payment Delivery Guarantee displays the date the payment will arrive at your Payee.
   • Check Payments are received 5 business days after the Send On date
   • Electronic Payments are received 1 business day after the Send On date
Why are my payments being processed a day before the old Scheduled Date?
Our bill pay service guarantees delivery of your payments on the “Deliver By” date, so we send them to arrive on time at the Payee. In some instances, this may mean your payment is deducted a day earlier than you are accustomed to.
How do I change the amount of a scheduled payment?
Click on the “Accounts Summary” tab and scroll to the “Scheduled Payments” module. Click the icon and make any necessary changes.
How do I change the Funding Account of a scheduled payment?
You can’t change the Funding Account of a scheduled payment, but, you can delete the scheduled payment and create a new one-time payment from a different account. Only that one payment will be deleted from the usual Funding Account; if it is a recurring payment, the remaining payments are not affected. If you want to change the Funding Account for the remaining payments, you should delete the recurring payments and set up a new scheduled payment with the desired Funding Account.
What happens if I don’t have enough money in my account to cover my scheduled payments?
If there are insufficient funds in your account on the Send On date, the payment will fail, and we will inform you with an email notice. On the next business day, we will try to send the payment again. If the payment fails again, you will be notified by email and you will need to re-schedule that payment.
Will I be charged a fee if my payment fails?
No, if your payment fails, the funds will not be deducted from your account and no fees will be assessed.
Why was my payment deducted from the wrong account?
You can choose the Funding Account for each payment. Your default Funding Account will always be displayed when you schedule a payment. You should select the Funding Account before completing the payment. If you cannot change the account number, please contact us immediately and we will assist with any necessary changes.
What if a Payee says that it did not receive my payment?
We provide a Payment Delivery Guarantee. If you have any questions about a payment, you can create a Payment Inquiry and we will research your payment. See our Online Banking Agreement for details on our Payment Delivery Guarantee.
Where can I see all the payments I have scheduled and processed online?
After you confirm your processed or scheduled payments, you will be directed to the Online Activity page, which displays all Processed and Scheduled Payments. Or, from the Pay Bills page you can visit the “More” tab at the top of the page, and choose “Online Activity,” where you will see the same information.
I was previously enrolled in eBills with certain vendors like Comcast and National Grid. I cannot enroll, what happened?
We are working closely with these companies to determine why their eBills are not available. We apologize for any inconvenience. Please visit your Billers’ websites to view your bills in the meantime. If you are not sure which of your Billers were eBillers, call us at 781-670-1500 and we can provide you a list of your previous eBillers. We expect all eBill enrollment access to be available shortly.
Are there any online guides or assistance available?
Our Online Banking “Help” screens provide information about our Bill Pay service. There are also Help Videos in the sidebar of certain pages to walk you through Paying a Bill, Paying Multiple Bills, Adding a Payee, Editing a Payee, and Deleting a Payee.

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Loans
Can I download a loan application?
Mortgage/Home Equity:
For mortgage and home equity loans, please visit our Mortgage Center for more information or to apply online.

Auto/Personal/Overdraft Protection Loans:
Yes, you can click here to download a personal/auto loan application. Complete the form, and bring it to any RCB branch to submit it in person.

Passbook Loan:
There is no application for a Passbook Loan. For more information, please call (781)942-5000 during banking hours, email loans@readingcoop.com, or visit any RCB branch and speak to a Banking Specialist.
What other information will I need to provide?
Documentation will vary based on the type of loan that you need. For more detailed information, please contact us at (781) 942-5000 during banking hours, email us at loans@readingcoop.com or come in to any RCB branch and speak to a Banking Specialist.
How can I determine a monthly payment I can afford?
Our handy online Loan Calculator can help you to determine an approximate monthly mortgage payment, based on your priorities and the variables you provide.
What geographic area do you serve?
RCB loans and deposit accounts are available throughout Massachusetts, Southern New Hampshire and Southern Maine.
What if I have other loan questions that are not answered here?
If you have other questions, please contact us by telephone at (781) 942-5000, by email at loans@readingcoop.com, or visit any RCB branch.

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