Let’s talk about Robins Federal Credit Union: They’re a financial institution that’s all about supporting members and businesses like yours. What sets them apart from those big banks? Well, they’re focused on member success, not just making money. They offer fair rates, personalized service, and they’re all about building strong relationships.
When it comes to your business, they’ve got a range of credit solutions. From credit cards to loans and other financial options. So, let’s take a closer look at their business credit cards, loans, and other small business products—I’ll discuss what they offer and why you might find them useful.
This is what’s in store:
- What is Robins Federal Credit Union?
- Robins Federal Business Financial Products & Services
- Robins Federal Credit Union Customer Service
- Robins Federal Credit Union Community Involvement
- Frequently Asked Questions
- Final Thoughts
Now, let’s take a closer look!
What is Robins Federal Credit Union?
Originally founded in 1954 as the “Warner Robins Air Force Base Federal Credit Union,” Robins Financial Credit Union later expanded its membership to include several communities in Middle Georgia—It’s been committed to serving members and communities since the beginning.
As a not-for-profit cooperative, Robins Financial operates with the principle of “People Helping People,” which highlights its dedication to support members to achieve their financial goals.
In line with this mission, the credit union has extended its commitment to small businesses within its membership base. Small businesses drive local economies and create jobs. And, Robins Financial offers tailored financial products and services to support their growth and success.
The credit union offers a range of business banking solutions:
- Business checking and savings accounts
- Business loans and credit cards
- Business treasury and merchant services
- Business prestige money market accounts
Despite their 1-star customer rating with the Better Business Bureau (BBB), they have been BBB accredited since 1990 and maintain an A+ platform rating. As far as the customer ratings are concerned, most people go to the BBB site when they have complaints, not when they’re happy.
Business members can benefit from personalized financial guidance and support from experienced advisors who understand small business challenges and opportunities.
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Locations Served
Robins Financial Credit Union serves businesses across Middle Georgia, primarily focusing on cities and towns within the region.
Some of the locations where the credit union has branches include:
- Warner Robins – With branches like Houston Road, Chantilly, Watson, Robins Air Force Base, Russell Parkway, and Hwy 96, businesses in Warner Robins and its vicinity have multiple locations to access the credit union’s services.
- Macon – With branches such as Zebulon, Riverside, Log Cabin, Downtown, and Hartley Bridge, businesses in Macon and its surrounding areas have convenient access to services.
- Gray, Forsyth, Perry, Ft. Valley, and Midgeville – With branches that serve these towns and surrounding areas.
While Robins Financial best serves businesses in these and nearby towns, it also offers online banking services for nationwide accessibility—Through the credit union’s online platform, businesses can access a range of banking services, including account management, bill pay, e-statements, and mobile banking.
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Robins Federal Credit Union Membership Requirements
If you want to join Robins Financial, you’ll need to meet a few criteria…You must:
- Be a legal US resident
- Be at least 18 years old
- Have a valid Social Security number
Businesses need to have two forms of government-issued ID handy, like a driver’s license, state ID card, passport, or permanent resident card. To get started, you’ll need to deposit a minimum of $100 ($25 for individual checking).
You’ll also need documentation, depending on your business structure:
- Articles of Organization or Incorporation
- Certification of Beneficial Owner(s) form
- IRS EIN assignment letter (if using EIN)
- Business resolution form (except for sole proprietorships)
- Secretary of State registration (if applicable)
- Letter authorizing use of TIN (if applicable)
- DBA trade name registration (if applicable)
- Business license (if applicable)
- Statement of partnership or partnership agreement (for partnerships)
- Current meeting minutes (for associations/organizations/non-profits)
You can open an account either online through their website or by swinging by any branch location. Non-members can apply for Robins Financial’s loans and credit cards, but members may be more likely to be approved.
Now, let’s explore this credit union’s business offers!
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Robins Federal Business Financial Products & Services
Robins Financial Credit Union’s business solutions include business checking and savings accounts, loans and credit cards, as well as treasury and merchant services. Moreover, you can take advantage of money market accounts to optimize returns on surplus funds.
1. Robins Federal Business Banking/Checking
Robins Financial Credit Union offers three business checking accounts:
- Custom Business Checking
- Classic Business Checking
- Prime Business Checking
All business checking accounts come with online banking and digital services, access to treasury management services, and a Visa® debit card. Again, the initial deposit is $100.
The Custom Business Checking account is designed for businesses with a high volume of activity. It has a $10.00 monthly maintenance fee and accommodates free cash transactions up to $10K.
For businesses with a moderate level of activity, the Classic Business Checking account provides a free solution. You’ll need to maintain a minimum balance of $500, and this account offers 250 free items per month and allows free cash transactions up to $5K.
The Prime Business Checking account caters to businesses maintaining higher balances with lower transaction volumes. It requires a minimum balance of $1,500, and it pays dividends on the account balance with free cash transactions up to $5K.
| Features | Custom Business Checking | Classic Business Checking | Prime Business Checking |
| Monthly Fee | $10.00 | None | None |
| Minimum Balance | None | $500 | $1,500 |
| Free Cash Transactions | Up to $10K | Up to $5K | Up to $5K |
| Free Items Per Month | N/A | 250 | 100 |
| Dividend Rate | N/A | N/A | ~0.399 (0.4% APY) |
The dividends paid on Prime Business Checking accounts at Robins Financial aren’t publicly disclosed—This tells me that they are either variable or the same as the individual Advantage Checking account (0.4% APY). If you decide to open a Prime account, make sure to ask a banker about your expected dividends.
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2. The Business Visa® Platinum Credit Card
The Business Visa® Platinum card from Robins Financial Credit Union has credit limits that exceed $25K and low variable rates starting at Prime + 5.7% APR* (right now, prime is 8.5%, so these cards have interest as low as 14.2%—This is fairly low).
There’s no annual fee, and the contactless chip cards come with optional spending blocks for specific merchant types.
You’ll also get benefits like:
- Zero liability for unauthorized charges
- Overdraft protection (to the linked business checking account)
- 1 point for every $1 spent (via the ScoreCard® Rewards Program)
- Travel insurance and auto rental collision damage coverage
The Robins Financial Business Visa® Platinum card offers full financial support for businesses.
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3. Robins Federal Commercial Loans
Robins Financial Credit Union provides a diverse range of business loans.
These include:
- Construction loans
- Commercial equipment loans
- Business automobile loans
- Commercial real estate loans for purchase or refinance
- SBA 504 and SBA 7(a) loans
- Secured and unsecured revolving lines of credit
Interest rates and terms for these loans vary based on factors like the type of loan, business creditworthiness, and market conditions.
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4. Business Savings & Investment Opportunities
You can also take advantage of business savings solutions—-Robins Financial offers regular savings accounts and money market accounts. You can maximize your returns with competitive dividend rates – from 0.60% to 1.50% APY* – depending on the average daily balance maintained in the Prestige Money Market account.
The business savings account requires a minimum balance of $500, with an initial deposit of $25 to open a new account. Dividends are compounded and credited quarterly. And, the savings account offers descriptive quarterly statements and free digital banking, bill pay, e-statements, and e-alerts. Withdrawals can be made conveniently at local branches.
For businesses seeking higher dividends, the Business Prestige Money Market Account (MMA) has no monthly maintenance fee and needs a minimum deposit of $2,500 to open.
In all, you can get overdraft protection, withdrawals at local branches, 40 free checks per year, and free digital services, but some limits apply. For example, you get six penalty-free transfers or withdrawals per month on savings accounts.
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5. Robins Federal Business Treasury Services
Robins Financial offers a handful of business treasury services, including:
- ACH origination
- Remote deposit capture
- Online wire transfers
- Positive pay
- Merchant services
With ACH origination, you can conveniently initiate electronic payments, manage payees, and control cash flow, all while reducing transaction fees and mitigating the risks associated with paper checks. Remote Deposit Capture allows you to deposit checks from your office, saving time and reducing collection float.
Online wires provide a secure and efficient way to transfer funds across borders, with real-time tracking and the flexibility to manage payees and templates. And, with ‘Positive Pay,’ you can safeguard against check and ACH fraud, which ensures only valid transactions are processed.
Finally, merchant services offer secure payment processing and personalized support, including:
- Point-of-sale terminals
- Mobile products
- Specialty cards
Be sure to discuss fees with a business banker at Robins Financial if you opt to take advantage of the credit union’s treasury services.
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6. The Robins Federal Mobile App
You can conveniently bank from anywhere via any smartphone via Robins Financial’s mobile app. It’s available on Google Play and the Apple marketplace, where it has 4.1 and 4.9 star ratings respectively.
With the mobile app, you have convenient access to a range of banking features right at your fingertips. You can easily pay bills, transfer funds, and check balances and account history from anywhere, at any time. Plus, you can send and view secure messages for added peace of mind.
The app is designed with a tablet-first approach and offers a unified look across all devices. Recent updates have brought improved performance and security enhancements, ensuring a seamless and secure banking experience for users.
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Robins Federal Credit Union Customer Service
Robins Financial offers various customer service options to address their needs anytime, anywhere.
For inquiries regarding annual tax documents or general questions about services, members can visit the tax forms page or reach out via secure message through your banking dashboard.
The credit union’s ‘Digital Banking Guide’ provides assistance with:
- Step-by-step instructions
- Troubleshooting tips
- FAQs related to digital banking and mobile apps
When it comes to making loan payments, you can utilize the loan payments portal for online payments from other financial institutions or call 833-886-6110 for phone payments—Branch appointments are available for expedited help, whether for a phone or in-person visit.
For issues related to debit or credit cards, you can report lost or stolen cards through your banking dashboard or by contacting customer service. Members seem to be super happy with the level of care Robins Financial provides.
In the event of a dispute with a merchant or unrecognized charges on a statement, you can reach out during normal business hours or schedule a branch appointment.
Robins Federal Credit Union Community Involvement
Robins Financial is committed to giving back to the community and supporting local initiatives. One notable aspect of their community involvement is their dedication to financing nonprofits—By providing funds to nonprofits, the credit union contributes to various causes and organizations that make a positive impact on the community.
Additionally, their participation in “Miracle May” fundraising for the Children’s Miracle Network showcases their commitment to supporting children’s healthcare and wellness.
While there may not be specific community initiatives catered exclusively to the small business community, Robins Federal Credit Union’s overall community involvement indirectly benefits small businesses. By supporting nonprofits and organizations that address community needs, the credit union contributes to creating a more vibrant and thriving local environment.
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Frequently Asked Questions
Who owns Robins Financial Credit Union?
Robins Financial Credit Union is owned by its members, who are also its customers. It operates as a not-for-profit financial cooperative, meaning that its members share ownership and participate in the credit union’s decision-making processes.
Is Robins Financial Credit Union FDIC insured?
No, Robins Financial Credit Union is not FDIC insured. Credit unions like Robins Federal are insured by the National Credit Union Administration (NCUA), which provides similar insurance coverage for deposits. NCUA insurance protects members’ deposits up to $250K per individual depositor.
What credit score does Robins Financial Credit Union use?
Robins Financial Credit Union typically uses credit scores from major credit bureaus like Equifax, Experian, and TransUnion to evaluate loan applications and determine creditworthiness. Learn more about DUNS numbers for business credit reporting.
Final Thoughts
Robins Financial Credit Union provides a solid suite of financial solutions for businesses in Middle Georgia—With a focus on member success and community involvement, they offer fair rates, personalized service, and support for local initiatives like nonprofit funding and children’s healthcare.
Their business offerings include checking and savings accounts, loans, credit cards, and treasury services, which caters to a variety of needs. While specific initiatives for small businesses may be limited, their overall commitment to community well-being indirectly benefits local businesses, which makes them an ideologically sound choice for financial support in the area.
Do you want to learn how to obtain up to $100K in business credit in as few as 30 days? Join Business Credit Workshop today!