Can I change my username, password or challenge (security) questions if I have forgotten them in RCU Online banking?

For security reasons, we do not store the answers to your challenge questions. If you have forgotten your security questions, please contact us at (707) 545-4000 or 1 (800) 479-7928 (toll free) and we will reset your account.

If you have forgotten your RCU Online Banking username or  password and wish to retrieve or reset them you may follow the steps below:

Username Retrieval and Password Reset

  1. Select the Help and Options link located on our homepage.

Login area

  1. Select the “Forgot Username” or “Forgot Password” link to start the username or password retrieval process.

Forgot username

  1. On the next screen, you will be prompted for information, including your account number, Social Security number, birthday, and your current password or username:

Enter user information

Enter your information

  1. For your security, a verification code is required to complete this process. An additional security prompt will display on the screen requesting to send a passcode to you for verification. A text message, phone call, or email can be sent to you containing the verification code, and it will allow access to update the account information.

Verification methods

  1. Once the method of communication is chosen, you will receive a 6 digit passcode that will allow access to update that information. If none of the information is current on your account in order to contact you, please choose the "None of the above" option, and contact our Member Service Center at 800-479-7928 to receive your code.
  2. Once you do receive the code, please enter it in the verification box and click Confirm Passcode. If you did not receive the code the first time around, feel free to select the option to the right to have it resent. If there were multiple pass codes received, only the most recent one will be valid. If the communication method that was chosen does not produce a pass code even after resending it, please select the cancel button, and choose a different method.

Confirm passcode

  1. Once the code has been accepted, you can retrieve your Username or reset your Password:

Retrieve username

Reset password

If you simply wish to change your username, password or challenge questions for security reasons and can login successfully, use the helpful articles below: