Mobile Banking

Banking anywhere, anytime! Conveniently access your account from wherever life takes you!


Bank on your time, wherever you are! With our mobile app, you have access to your funds 24/7 from your smartphone! You can make transfers, pay bills, deposit checks, and more!


Handling your accounts has never been easier! It’s as simple as sending a text or snapping a picture! If you know how to use a smartphone, using our app will be a breeze!


IRFCU strives to keep member information safe and secure! You can even set up biometric authentications! Members will be logged out after 12 minutes of inactivity for an added layer of security!

  • Available for Apple and Android devices
  • Make Transfers
  • Pay Bills
  • Make Transfers
  • Apply for Loans
  • Set up Text Banking
    Deposit Checks with Mobile Device
  • Safe and Secure!



Leave that worn out old wallet at home. You can now add your IRFCU Debit and Credit Card to your mobile wallet. It’s a secure way to pay!


Mobile App Card controls give you power over your plastics!
Members can temporarily lock their cards, set up usage alerts, and more!
Download the Mobile Control Guide by clicking the button below!


Have you ever wanted to access your your deposits early? Now you can!*
With our Early Pay, You can have eligible pending deposits posted to your account early! Just look for the Pending Deposits notification in your online banking or mobile app!

*There is a $10.00 fee to have your deposits posted early.


Our Pay Anyone feature is a person-to-person payment option that allows members to pay, well anyone! You can pay friends and family right from your online banking or mobile app, plus it’s free to use! It’s a quick, easy, and secure way to pay!

How to use Pay Anyone


Log in to your IRFCU mobile app


Click the
“Move Money”


“Pay Anyone”


“Send New Payment”


Input the recipient Name


Select a “Send Method”


Input Recipient Information


Input the
amount and select “From Account”


Enter security question and answer


Review and send payment

**Pay Anyone is intended for sending money to family, friends, and people you are familiar with.  IRFCU will not be held liable or make refunds for payments made for the exchange of goods or services that are unlawful or not delivered as expected.

How does Pay Anyone work?

You simply log into your mobile app, follow the instructions above, and a notification with a link will be sent to your recipient via either an email or text message. This link prompts them to verify their identity by answering the security question you set up. The recipient must then input their account information to receive the funds.

Does the recipient have to be a member of IRFCU?

No, you can pay individuals who bank with other institutions.

Do I have to know the recipient’s account information?

No, you only need to know the recipients number or email address.

Is there a limit on how much I can send?

Yes, there is a max limit of $250.00/send with a daily limit of $1500.00

Can I stop the transfer?

You can cancel the transfer until it is accepted by the recipient. If you cancel the transfer, a notification will be sent to the recipient.

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