Frequently Asked Questions

As we continue to adapt to ongoing changes, our guiding principle is mutual respect while we work to keep everyone safe. We may have different points of view, but we all need to cooperate with our guidelines to ensure the safety of our staff and members. Whether you come into a branch or use our digital channels, we are here to help you meet your financial needs.

Here are some frequently asked questions with helpful information.

What do I need to know about coming into a branch?

Throughout the pandemic, the safety and wellbeing of members and staff have been our priority. We remain dedicated to maintaining business continuity to ensure we serve our members, while following the COVID-19 guidelines from the Commonwealth of Massachusetts, which continue to evolve.

We appreciate everyone’s responsible and respectful cooperation. Thank you for your support.

What safety measures are in place in RTN branches?

We have invested in everyone’s safety and have made several physical changes in our branches. Plexiglass dividers have been installed, branches are disinfected regularly by a professional cleaning service and hand sanitizers are available.

What are the safety guidelines for RTN employees?

Masks currently are required for everyone who visits our Brookline branch. Some RTN employees continue to work from home to provide greater space for social distancing.

Are there other guidelines for members to come into branches?

For the safety of our staff and all our members, we ask that you refrain from entering our branches if any of the following apply:

  • You or someone in your household is being observed for or has COVID-19
  • You or someone in your household is experiencing or has in the last 14 days any COVID-19 symptoms as identified by the CDC (runny nose, sore throat, fever of 100.4 or higher).

If you or someone in your household is suffering from COVID-19 related symptoms and needs assistance, please call us at 781-736-9900 and we will work with you to find a solution to your needs remotely.

Is my money safe?

Your funds are federally insured by the NCUA (National Credit Union Administration), a U.S. Government agency, to at least $250,000 per account. Funds over federally insured limits are insured in full by the Massachusetts Credit Union Share Insurance Corporation. In addition, RTN is well capitalized and financially well positioned to handle this crisis.

How much cash can I withdraw in one day?

The cash withdrawal limit is now $750. Non-RTN ATMs may have a lower limit. We recommend you consider your own safety as you may place yourself and your family in an unsafe situation when you make a large cash withdrawal with the plan of keeping cash at home. During this unusual time, contact Member Services at 781-736-9900 if you have a special request.

Can I come into a branch?

No appointment is necessary for RTN members and shared branching members to make deposits, withdrawals, loan payments, transfer funds and other transactions conducted at the teller window. If you require the assistance of a Member Services Representative, please call a branch prior to your visit.  Community branch phone numbers are listed below:

  • Waltham: 781-736-9965
  • Amesbury: 978-388-0959
  • Brookline: 617-278-5600
  • Danvers: 978-535-6991
  • Dorchester: 857-598-9500
  • Marlborough: 508-480-0500
  • Tewksbury: 978-654-4279
  • Worcester: 508-755-3176

For updated branch hours, please visit our hours and locations page.

Shared Branching services are available at our community branches. We recommend that RTN members wishing to make a transaction at a shared branch location contact the credit union they wish to visit to make sure that organization will serve shared branching transactions.

For the health and safety of our members and staff, if you believe you have been exposed to the COVID-19 virus or are feeling ill, we ask that you refrain from visiting a branch or conducting a transaction at a drive-up teller window or ATM. We are happy to assist you by phone.

How can I access my account remotely?

You have many options to make transactions and access your account remotely, including:

How can I open a new account?

You can open a new account by at a branch near you. Appointments may be made by calling a branch directly.

How do I sign up for Online or Mobile Banking?

You can sign up for Online Banking at and/or download and enroll in our mobile app at Google Play or the Apple App Store.

How can I deposit a check remotely?

You can use DeposZip to deposit a check using your mobile device or home computer. You will need to first sign up to use this feature through RTN Online Banking or Mobile Banking. As always, you can mail checks for deposit to RTN FCU, 600 Main St., Waltham, MA 02452.

How can I send and receive funds electronically?

A convenient feature of Online Banking is Popmoney, an easy, fast and secure way to send and receive money directly with your RTN account. At this time, fees for this service will be waived. You also may send and receive funds via domestic and international wire transfers. Call 781-736-9965 to arrange for a wire transfer.

How do I apply for a loan?

You can apply for a vehicle loan, personal loan, credit card, mortgage or home equity at You also may call Member Services at 781-736-9900 or visit a community branch. If you choose to visit a branch, please make an appointment by calling the branch directly.

How can I make payments on my loan?

You can make loan payments through Mobile and Online Banking by mailing your payment through the US Postal Service or by calling Member Services at 781-736-9900.

Can someone from my family join the Credit Union?

New members can join RTN by downloading and completing an RTN membership application, then making an appointment at a branch, bringing the application, along with a valid government-issued photo identification and a $25 account deposit.

Who can I contact if there is fraud on my account?

You should contact Member Services at 781-736-9900 anytime if you suspect suspicious activity on your account.

Be aware that fraudsters often take advantage of emergencies like the COVID-19 crisis to enact scams. Some recent scams include emails from the World Health Organization and the Centers for Disease Control asking for personal data or from the federal government regarding a coronavirus treasury check. To protect yourself, never click on a link from an unknown source and be aware that if something is too good to be true, then it’s a scam. The Federal Trade Commission (FTC) has important information on ways you can be on the lookout for fraud.

Is there someone I can talk to if I have problems with my account?

Our Member Services Department is available 24 hours a day at 781-736-9900 to help you with your account. You also can use our eChat feature or email us at