If friendly, efficient, hands-on service is what you’re looking for, you’ll find it at Red Lobster Credit Union. We’ll help simplify your life with convenient ways to get your banking done.

ATM and Debit Cards

Enjoy access to 30,000 fee-free ATMs along with convenient cash access and secure purchasing power everywhere Visa® is accepted worldwide.

Traveling Overseas?

Call us to ensure that you do not experience interruptions to your service. Please notify us when you are traveling overseas.

Fraud Monitoring

We utilize the latest technologies to protect your account. We monitor transaction activity 24/7/365 to deter fraudulent activity before it occurs. When unusual activity occurs on certain accounts, our fraud analyst may temporarily suspend transactions and place a call to our cardholders asking to verify the transactions. The fraud analyst will NEVER ask you for your full social security number.

Verified by Visa

To ensure additional protection against fraud, we are a part of the Verified by Visa program. Learn more here

Visa Checkout

Enroll your RLCU debit or credit card in Visa Checkout for quick, convenient and secure payments when shopping online. Learn more here.

Report lost or stolen debit cards

To report your Visa® debit card lost or stolen, please call 888.241.2440 within the U.S. or 909.941.1398 outside the U.S.

Convenience Pay

Have you ever had a check returned due to insufficient funds? You’re not alone. The experience can be costly, inconvenient, embarrassing and end up clouding your financial picture. That’s why we provide Convenience Pay, our standard overdraft service for USF Federal Credit Union (USF FCU) members. It adds a measure of protection to your checking account — and you’ve got one less thing to worry about.

Convenience Pay may cover your insufficient fund amount, up to $750, with one fee per covered overdraft transaction. All fees and charges will be included as part of the maximum amount.

Convenience Pay covers overdrafts on checks, other transactions using your checking account number and automatic bill payments. So instead of returning an item because of insufficient funds, USF FCU may pay it for you, saving you additional collection charges.

Pursuant to USF FCU’s commitment to always provide you with the best level of service, now and in the future, if you are over 21 years of age with a valid social security number and email address on file, and your checking account has been open for at least ninety (90) days, and thereafter you meet account qualifications, you are automatically enrolled in Convenience Pay.

The following qualifications must be met:

  1. You have not caused USF FCU a loss
  2. You are not currently delinquent over 30 days in any account or loan
  3. You have no bankruptcy on record with USF FCU

The following exclusions apply to account eligibility: No business, youth, organizational, or trust accounts. Must have a valid social security number on file. Ninety (90) days of dormancy will result in suspension of the Convenience Pay service to an eligible account.

Convenience Pay Plus extends overdraft coverage to ATM and everyday debit card transactions. To enroll in Convenience Pay Plus, login to digital banking, click on the Convenience Pay icon/widget and follow the instructions.

Payment by USF FCU is a discretionary courtesy and not a right of the member or an obligation of USF FCU. USF FCU in its sole and absolute discretion can cease paying overdrafts at any time without prior notice of reason or cause. Keep in mind that we also offer overdraft protection plans that may be less expensive, such as a transfer from another account or a line of credit.

Convenience Pay Program Details

Convenience Pay FAQs

Direct Deposit

Get faster access to your money and save a trip (we love seeing you, but we know you’re busy). Just direct your company or organization to send money to your savings or checking account. Direct Deposit is quick, easy and secure — so why wait?

Routing Transit Number: 263183159

You can find your account number by clicking on Accounts, choose the account (checking, savings, etc.), and go to 'Account Details' (or 'Details' on the mobile app). You can also find by referring back to the welcome letter included with your account opening documents.

Loan Skip-a-Pay 

Life happens, we get it.  If an unexpected expense arises, you can free up cash flow by taking advantage of our Skip-a-Pay option.  For a service fee, you can skip your monthly payment on an eligible loan up to two times per year. To take advantage of Skip-A-Pay, log in to your Digital Banking account and click on the Skip-A-Pay icon/widget. You will have the option to transfer the fee from your RLCU savings or checking account. The funds must be available in your account prior to the time you submit your Skip-A-Pay request. Please schedule your Skip-A-Pay request at least 5 business days prior to your loan due date.

Loans eligible for Skip-a-Pay:

  • Personal (term) loans
  • Vehicle loans
  • Motorcycle, boat and RV loans

Eligibility Criteria for Skip-a-Pay:

  • All share and loan accounts must be in good standing
  • Must have a valid physical and email address on file
  • Must have made 4 consecutive on-time payments on loan
  • Maximum of 2 Skip-a-Pay, per loan, per calendar year

Other eligibility criteria may apply.  Eligible loans will be displayed within Skip-a-Pay feature in Digital Banking. Skip-a-Pay will defer your loan payment, and may extend the original term of the loan and increase the amount of interest paid over the life of the loan.

Wire Transfers

For your convenience, Red Lobster Credit Union offers wire transfers. Visit any branch location or call 877.706.9328, choose option 7 and a representative will help your wire.

To receive an incoming wire transfer, please provide the following instructions to sender:

Step 1
Funds are to be sent to:

Routing # 2631-8315-9
USF Federal Credit Union
13302 USF Palm Drive
Tampa, FL 33612

Step 2
For Final Credit to:

Member’s Name*
Member’s Address*
Member’s Account Number*

Step 3
Any special handling instructions 



Please refer to our current fee schedule for any fees associated with incoming or outgoing wires.

Some International Financial Institutions request a SWIFT code, however it is not required.  USF FCU does not have a Swift Code, IBAN or other international routing code for wires. International wire transfers can be processed without a SWIFT and can be completed using the Receiving Institution’s complete address. For international wire transfers, the sending financial institution will need to use a correspondent bank in the U.S, which will forward the funds to USF FCU.

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