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I sent money using RCUpay, and forgot the security word, what should I do?

Your chosen security word can be found under RCUpay history within the mobile app. We recommend using RCUpay only for sending money to people you know and trust, like friends and family.

Log into RCU’s mobile app and choose RCUPay History.

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The security word is displayed in the details of each transaction. Please confirm the email address or cell phone number you use to send.

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The RCUpay transaction history also includes one of the following status indicators:

  • Complete - Receiver has entered the security word and financial institution information to claim the funds.
  • Pending - Funds have been debited from the sender account and are waiting to be picked up by the receiver.
    Note: You can resend the RCUpay texts by selecting "Resend text" located under the status. If you send an email, the selection will be "Resend email"
  • Canceled - The sender has stopped the transaction.
  • Expired - The receiver has not entered the security word and financial information to claim the funds within 10 calendar days.

Claim funds within 10 calendar days:

  • If the money has not been claimed by the recipient after 10 days, it will be returned to the sender.
  • Please make sure your email address is current. Email communications about the status of the RCUpay payment are sent until the funds have been claimed. If you need to update your email address, go to Profile & Settings and update your profile Contact Info.

IMPORTANT: If the recipient doesn't pick up their funds within 10 calendar days, the transaction will be canceled and the funds will be deposited back into the senders' account.