Other Services
Everything else we do for members.
Want more than low fees, great rates and easy account access? Because at Ridgeline Credit Union we have a lot more to offer. From affordable insurance plans to discounts on cars, cell phones and more, your credit union is the right place to be.
- Free notary service
- CO-OP Shared Branch network
- Member insurance through TruStage
Other Service Options
What else your membership includes.
One office downtown, plus a shared branch network that reaches the rest of the country.
Check reordering
Reorder your checks online through our check printer, any time. The fee depends on the style of draft you order.
Online loan payments
Pay a Ridgeline loan by web, smartphone, or text message through MessagePay, without logging into Mobicint. ACH payments are free, and a $4.99 fee applies per transaction when you pay with a debit card.
NADA Guides
Look up what a vehicle is actually worth before you negotiate. Our vehicle loans are written at 110% of NADA Clean Retail, so the number matters.
Cashier’s checks and money orders
For a closing, a deposit, or anyone who will not take a personal check. Cashier’s checks are $3.00 each and money orders are $1.00 each.
CO-OP Shared Branching
Ridgeline is proud to be part of the CO-OP Shared Branch network, so you can bank while you travel. We also provide CO-OP Shared Branch services to members of other credit unions at our downtown location.
Member insurance
TruStage insurance products and programs help members protect what matters most. Life, car, AD&D, long-term care, home and more, offered only to credit union members.
Wire transfers
Send or receive a wire through the credit union. A domestic wire is $10.00 and an international wire is $30.00. Incoming wire instructions are further down this page.
myEZ Car Care
Take an auto loan with Ridgeline and the VIP membership comes free. Discounts on repair and service at over 10,000 locations, plus the Electronic Glove Box app for your vehicle records.
What it costs
Services and fees, in one table.
The following fees may be assessed against your account:
Fee schedule
Effective: 7/1/2024
| Service | Fee |
|---|---|
| Non-sufficient fund draft or ACH | $30.00 |
| Overdraft Transfer (you may perform unlimited transfers online for free prior to item clearing) | $5.00 |
| VISA or ACH Phone Payment to Loan | $5.00 |
| Deposited checks returned unpaid | $15.00 |
| Cashiers Check | $3.00 each |
| Money Orders | $1.00 each |
| Counter Checks | $1.00 for a sheet of 4 |
| Loan Late Fee | $20.00 or 5.00% of payment (whichever is greater) |
| Account Closure (within 90 days of opening) | $25.00 |
| Replace lost or stolen VISA Check Card | $25.00 |
| Draft Printing | Fee depends on style of draft ordered |
| Account Research | $35.00 per hour |
| Account balancing assistance | $35.00 per hour |
| Stop Payments – Draft and ACH | $15.00 |
| Wire Transfer | USA $10.00 |
| International Wire | $30.00 |
| Copy of Draft (12 months free draft copies and statement history available online) | $5.00 per copy |
| Statement Copies | $15.00 |
| Bad Address Fee | $5.00 per month |
| Dormant Account 1 | $5.00 per month |
| Mailed Statements 2 | $2.00 per month |
| Garnishment Fee | $25.00 |
| Notary | Free |
| Coin counting | Free for members. Charge applies to non-members. |
Scroll sideways to see every column on a small screen.
1 An account is considered dormant if for two years no withdrawals or deposits, other than credited Dividends, have been made to the account. IRAs and accounts with a daily balance of $1,000 or more are exempt from the dormant account fee. 2 Waived for members younger than 18 or older than 70. Notary and coin counting are member services we provide at no charge and are not listed on the printed fee schedule. Open the full fee schedule.
Member Insurance
Protection for what matters most.
Insurance protection is part of a solid financial plan. From getting a good rate on coverage for your car to making sure your life insurance is adequate, dependable insurance coverage ensures financial relief when you need it. And along the way, you’ll take comfort in knowing you’re protected.
TruStage Auto & Home Insurance Program
Exclusively for credit union members like you, the program provides affordable top-quality protection. You could enjoy discounted rates combined with online convenience and 24/7 claims service. Get a free quote or call 1-855-483-2149.
Insurance the Credit Union Way
TruStage insurance products and programs help members protect what matters most. Backed by nearly 80 years of working in partnership with credit unions and their members, you’ll find products for life, car, AD&D, long-term care, home and more. And it’s only for credit union members like you.
TruStage Life and AD&D Insurance
Exclusively for credit union members, TruStage Life Insurance Policies help you protect the people who matter most in your life. Underwritten by CMFG Life Insurance Company, these plans are designed to fit your budget and provide excellent coverage. Call 1-855-612-7909 for more information.
About insurance products. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union. Discounts are not available in all states and discounts vary by state. TruStage™ is a marketing brand used to identify products offered through CMFG Life Insurance Company and programs offered through CMFG Life insurance agencies to credit union members.
Getting it done
Most of it starts with a phone call.
One office, one phone number, and the same people every time.
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Call and tell us what you need
(801) 328-1521 or toll free 1-866-358-8548, Monday through Friday, 9:00 AM to 5:00 PM. We will tell you what to bring before you make the trip.
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Bring photo identification
Anything handled at the counter needs a government photo ID. For a wire, bring the full receiving instructions as well.
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Come to the office
564 East 300 South, Salt Lake City, UT 84102. One office, and the person you spoke to on the phone is the person at the counter.
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Or send the form in
Some requests can be faxed to (801) 355-3340 or mailed to the office instead of delivered in person.
Sending a wire to your Ridgeline account
- Alloya Corporate Credit Union, Routing #: 307087399
- Further Credit To: Ridgeline Credit Union, Routing #: 324078417
- Further Credit To: your Ridgeline Credit Union account number
- A domestic wire is $10.00. An international wire is $30.00
Someone told you to wire money urgently? Stop and call us first. Wires are close to impossible to reverse, and urgency plus a wire request is the most common scam we see. We will help you check it out, no judgment.
“It was so reassuring to call, afraid I had been scammed, and be able to speak to an employee that I KNEW for a fact to be someone from RFCU (thanks, Steven!) and have him assure me my account was safe.”
Lenni S. · Google review
Questions
About member services.
Do I have to be a member to use these?
Yes. Membership is open to people who live, work, worship, volunteer, or attend school in Salt Lake City, Utah, and to their immediate family and household members. Joining takes a $25.00 share deposit and a Membership Application, completed at our office or mailed to you when you call.
How do I reorder checks?
Order online through our check printer any time, or call us and we will place the order for you. The fee depends on the style of draft you order. Counter checks are $1.00 for a sheet of four.
What does a wire cost?
A domestic wire is $10.00 and an international wire is $30.00. To send a wire to your Ridgeline account, the sending institution routes it through Alloya Corporate Credit Union, routing number 307087399, for further credit to Ridgeline Credit Union, routing number 324078417, and then to your account number.
What is myEZ Car Care?
Take an auto loan with Ridgeline and the myEZ Car Care VIP membership comes free. It covers auto repair, service, and maintenance discounts at over 10,000 locations nationwide, hotel and rental car discounts, and the Electronic Glove Box app for your vehicle records. Roadside assistance is a premium benefit available in VIP Plus plans only.
Service disclosures
Fees shown are effective 7/1/2024, reflect the published fee schedule, and are subject to change with notice as required by law. Membership eligibility and a $25.00 share deposit are required, and that deposit represents your share in Ridgeline Credit Union. Photo identification is required for services handled at the office. Wire transfers are subject to verification and may be delayed or declined.
Insurance products are not a deposit and are not federally insured. This coverage is not sold or guaranteed by your credit union. TruStage™ is a marketing brand used to identify products offered through CMFG Life Insurance Company and programs offered through CMFG Life insurance agencies to credit union members. The TruStage Auto and Home Insurance Program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The credit union does not provide tax or legal advice. Consult your tax advisor or attorney.
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency. Ridgeline Credit Union is an Equal Housing Lender. We do business in accordance with the Fair Housing Act and the Equal Credit Opportunity Act. Membership eligibility required. Routing Number: 324078417.