Is this your correct zip code?
Your zip code is used to provide customized products and services for your area.
Please enter your zip code
Please note: Rabobank's branches are located in California only.
Continue or visit Rabo Agrifinance for AG lending outside of California.
For Personal Banking Products and Services
Rabobank branches and financial service centers are only located in California.
If you are looking for Ag Lending outside of California, visit Rabo AgriFinance.
Find a location in California >
Please see the document below if you are using Internet Explorer 10 or 11 and experiencing issues with online banking.
Click here for special instructions for online banking users with Internet Explorer 10 or 11
Depending on the type of account, customers may have access to the following functions:
To enroll in personal online banking, you must be a current Rabobank customer and have Internet access. To enroll:
1. Verify that your computer meets the minimum system requirements.
2. Go to the Sign up page for personal online banking. You will be led through a quick enrollment process. Once complete you will have immediate access to online banking.
The terms, conditions and fees that have been separately disclosed to you in the Bank's Understanding Your Deposit Account Agreement & Disclosures and the Bank's Online Banking Agreement & Electronic Funds Act Disclosure will continue to apply to your account(s) and to your Online Banking service except as noted below:
Schedule of Other Fees and Charges
Bill Payment Overdrafts and Special Requests Pricing
* This service is free from regular monthly service charges. Other charges may apply.
To use Online Banking, customers must have at least one deposit account with the Bank which may include the following types of accounts; Checking, Savings, Loan or a Certificate of Deposit. Accounts with certain restrictions, such as requiring two signatures, cannot be accessed through Online Banking.
Using Rabobank's Family Banking, you can grant partial or complete access to online banking to trusted individuals on your behalf. For security purposes, only existing account holders at Rabobank may be granted access to perform transfers or pay bills. We advise granting access only to users that you trust, as you are responsible for all online banking activities they perform and any other actions the user may take by knowing your account information. To add a new user to Family Banking:
The Online Banking system includes extensive online Help contents that are located at the top of each screen and in the Related Tasks and Links box. It will provide you with step-by-step instructions on the Online Banking features. Please keep in mind that the contents are very broad and that Online Banking features can and do change and may not be applicable to all users. Online Banking Customer Service is available during regular business hours by calling (800) 959-2399.
Public email transmissions may not be secure. We request that you do not send us or ask for personal, confidential or sensitive information via any general or public email system. You will find secure email capabilities within the Online Banking Message Center.
If you are unable to access the system you may send non-secure general Online Banking comments or inquiries to the Rabobank eBanking Department, at email@example.com. We will respond to inquiries within one business day.
If the Online Banking system is ever temporarily unavailable, you can also call InfoLine, the Bank's touch-tone banking service. Detailed account information, funds transfers, stop payment requests and check reorders are available by calling (800) 942-6222.
Minimum system requirements include:
You may use the Online Banking services virtually anytime and from anywhere that you have Internet access. However, given the unique nature of the Internet, the bank web site may be inaccessible from time to time for business or technical reasons. If the Online Banking system is ever temporarily unavailable, you can call InfoLine, the Bank's touch-tone banking service. Detailed account information, funds transfers, stop payment requests and check reorders are available by calling (800) 942-6222.
The "Pending" or "Memo" sections reflect transactions that will be posted to your account on the current or next business day, depending on if the transaction was initiated before or after the current business day's cut-off time.
The Online Banking system gives you current account information in real time. Please Note: While real time balances are always available, certain same day transactions may not be available until the next day.
Loans will display for a period of time after they are paid off to give you access to interest information should you need it for tax or other purposes. If you would like to hide this account, please click on the Online Services page in online banking, then choose Manage Account Preferences. Unchecking the box in the "Display Online" column will remove it from view in online banking.
The running balance is only designed to appear in more recent transactions.
The following cutoff times pertain to specific Online Banking transactions according to Pacific Time. Transactions received after the cutoff time or on a day that is not a Business Day will be processed the following Business Day.
Transfers between Accounts
REAL TIME PROCESSING. Transfers completed after 9:00 p.m. Pacific Time will be posted on the following business day.
10:00 a.m. To ensure that payment is properly credited to your account prior to the payment due date, please allow at least five (5) business days from the current date for processing and delivering the payment. Remember to allow for weekends and holidays as you schedule payments. The system will display the quickest date that a payment can be credited.
REAL TIME PROCESSING charges and stop payment will take effect immediately. Please refer to the Understanding Your Deposit Account Agreement and Disclosure brochure for additional information on Stop Payment requests.
Transfers are permitted to and from your deposit accounts with us. Customers are responsible for confirming the accuracy of all transfers and should refer to the Bank's Understanding Your Deposit Account Agreement and Online Banking Disclosure for additional information. Transfers from Money Market and Savings accounts will count toward the total of six transfers or withdrawals allowed per month as outlined in the Understanding Your Deposit Account Agreement and Disclosures brochure.
The following transfer frequencies are available to you in personal online banking:
If you plan on using bill payment, we recommend that you view our Bill Pay demo or FAQs page.
Bill Pay lets you pay your bills online through Rabobank's personal online banking system. No more checks to write or stamps to buy. You can pay virtually any company or person, anytime with just a few quick steps. If you are worried about missing a bill, you can even set up payment reminders or automatic payments. Bill Pay is a quick, secure way to manage your finances online.
To pay your bills online, simply add the companies and people you want to pay. We use this information to make the payments for your bills.
After you add your bills, you can go to the Payment Center. The Pay Bills section lists all of the bills you've added in Rabobank Bill Pay. To pay a bill, enter a payment amount and the date when you want the company or person to receive your payment. You can also select this date from the calendar.
After you pay a bill, depending on the pay date, it may move to either the Pending Payments section or the Recent Payments section of the Payment Center.
If you can't find a payment in the Recent Payments section, go to Bill History, which shows all of the bills you paid in the past 18 months, including electronic bills and the bills that you pay automatically.
To begin using Bill Pay:
Bill Pay is free from monthly service charges. Other charges may apply though. The terms, conditions and fees that have been separately disclosed to you in the Bank's Understanding Your Deposit Account Agreement & Disclosures and the Bank's Online Banking Agreement & Electronic Funds Act Disclosure will continue to apply to your account(s) and to your Online Banking service except as noted below:
Bill Payment Overdrafts and Special Requests Pricing:
You can pay your bills from your Rabobank checking account(s). If you have more than one checking account, you may choose which one you want to use for each payment.
You can pay almost any business or individual that you currently pay by check. For example, your gas company, car insurance, doctor and more.
For most bills, we can deliver your payment the next business day. If we send the payment by check, it can take four or fewer days for your biller to receive it. When you enter an amount, Bill Pay automatically displays the earliest date the biller will receive the payment. You can accept this date or change it to a later date.
Yes, you have the option of requesting a check payment be sent overnight to its destination. The fee to expedite a payment is $14.95. Bill Pay will display the earliest date the biller can receive the payment using the expedited service, as weekends or holidays can affect the delivery date.
If the payment is sent electronically, the money for the payment is withdrawn from your payment account on the pay date. If the company or person cannot receive electronic payments, Bill Pay prints a check and sends it to the billing address. For some checks, the money for the payment is withdrawn on the pay date. For others, the money is withdrawn when the company or person deposits (or cashes) your check.
E-bills are electronic versions of your paper bills that you can receive through Bill Pay. An e-bill comes directly from the biller to personal online banking. Many companies offer e-bills, which allow you to quickly see your bill's amount due, due date, and bill details just like your paper statement. Plus, since you are already in Bill Pay, you can make a quick payment right away.
Popmoney is a convenient person-to-person payment service. It makes it easy for you to send a payment to anyone with a bank account in the U.S. using only their name and e-mail address or mobile number. You can also receive payments from anyone in as little as one business day. With Popmoney, you can pay a friend back for lunch, take up a collection for a special event or send money to your kid in college quickly, easily and securely.
With Popmoney, a recipient can receive money in as little as one business day. However, in some cases it may take longer so we recommend allowing for three business days. For example, if you send an email or mobile payment and the recipient is not yet registered for Popmoney, he/she must sign up for the service so that we have their account information to deposit their payment. Also, if you exceed your next-day payment limits, then we will deliver payments within three business days. Limits can and will vary and can be checked by clicking the Help icon on the Send Money screen.
Anyone can send or receive payments using Popmoney by going to Popmoney.com. Rabobank's personal online banking makes it even easier by integrating this feature directly into Bill Pay. All you need is a Rabobank checking account. This saves you time because you are automatically enrolled and no additional account verification is required.
It allows you to quickly and easily send and receive electronic payments in as little as one business day.
When you send a payment through Popmoney, it is sent electronically. When you add a person as a biller in Bill Pay using the "pay a person" option, a check is printed and mailed to the person. There are a few advantages to using person-to-person payments:
It doesn't cost anything to receive money via Popmoney. The sender incurs a small fee for the convenience, which varies depending on how it is sent. Rabobank personal online banking customers will only pay $0.50 to send a payment if done through the Rabobank’s Bill Pay system. Non-Rabobank customers making payments through Popmoney.com will incur a $0.75 convenience charge unless their financial institution offers the service at a discounted rate.
From the moment information is sent to Popmoney to the time it is stored and accessed again, it is encrypted using industry leading software, hardware and algorithms. Security is also utilized at specific points and actions in the product. For example, to help prevent an unauthorized person from fraudulently depositing someone else’s payment, one-time passcodes are used. For every initial payment to a new e-mail address or mobile phone number, a one-time passcode is sent to the user. The user must provide that passcode back to Popmoney to verify his “ownership” of that mobile number or email address before he can deposit the payment. In addition, confidential personal information is not included in the e-mails or text messages. If they were to be intercepted by a third party, the information contained in them would be of no use to the fraudster since it requires the recipient to authenticate themselves either through Popmoney.com or through their online banking site in order to collect the funds.
Getting started with Popmoney is easy as logging into Rabobank’s personal online banking. If you have a Rabobank checking account and are enrolled in personal online banking:
If you have not enrolled in Rabobank's personal online banking, the process is quick and easy. Once enrolled, you will have immediate access to your accounts and Bill Pay with the Popmoney person-to-person payment feature. Enroll now.
If someone has sent you a payment through Popmoney, you will receive an e-mail or text with information on how to collect the payment. If you are Rabobank personal online banking customer:
The recipients will not be able to see any of your account or personal information, such as where you bank or your e-mail address. The only personal information they will see is your name. You will not be able to see the recipient’s account or personal information either. The only information you need from them is their name and e-mail address or mobile number.
If you are a Rabobank customer, you can send money with Popmoney using the Bill Pay system in Rabobank's personal online banking. Simply log into personal online banking:
If you have any questions during the process, click on the Help link at the top of your Bill Pay screen for more information.
Yes, you can send a payment to anyone with a U.S. bank account. If the person is not a Popmoney customer, they will go to www.popmoney.com there they will have the option of using the “Quick Deposit” feature to deposit the payment without going through the full enrollment process. If they choose to enroll so they can send money as well, they will no longer be required to enter their social security number. You can even send money directly to a financial institution account, so your recipient doesn’t have to do anything.
All you need is the person's name and e-mail address or mobile number in most cases. For security reasons, larger payments may require both the e-mail and mobile phone number for dual verification. This information will be used to notify them of the payment you have sent and instruct them on how to collect it. No account numbers or other sensitive information is needed. However, if they recipient wants to provide their account number they can do so and that will eliminate the need for them to go through the process to claim the money. It will just go straight into their account.
It is only available for payments between U.S. bank accounts.
The Popmoney feature of Bill Pay is not currently available through Mobile Web. We do plan to add it in the future.
You can make payments from any Rabobank checking accounts that are currently available to you in Bill Pay.
If the recipient is a new Popmoney customer, they will have up to 10 calendar days to register and claim the money. The funds will not leave your account until it is claimed and if it goes unclaimed, you will be notified that the time period has lapsed.
The recipient will receive an e-mail or text from you notifying them of the payment. It will let them know who sent it, what the amount of the payment is, the anticipated deposit date, and a personal message if you have added it.
They will go to Popmoney.com or their bank's online banking site to collect the payment.
No, the money is transferred straight from the sender's bank account to the recipients. This cuts out the extra step of transferring the funds to or from the holding account.
*Terms and conditions apply
With Rabobank's Family Banking, you can grant partial or complete access to online banking to trusted individuals on your behalf. This feature can be useful for families, caregivers, financial advisors and others. We advise granting access only to users that you trust, as you are responsible for all online banking activities they perform and any other actions the user may take by knowing your account information. You may view activity logs to see what the users are doing and can disable their access either permanently or temporarily at any time.
There are five different access levels in Family Banking. For security purposes, only current account holders at Rabobank may be granted access to the Transfers, Pay Bills or Complete Access levels. The first time the user logs in, they will be asked identity verification questions to confirm they are a Rabobank customer. If the user is not a Rabobank account holder, you may assign View Only Access or View Only Access with eStatements.
To add a new user to Family Banking:
When you provide the login ID and password you created to the user, do not send the login ID and password together through unsecured e-mail, as it could be intercepted by a third party. The first time the user logs into online banking they will be prompted to change their password, generate security questions and chose an Identity Image. Rabobank account holders who are granted Transfers, Pay Bills, or Complete Access will be asked identity verification questions the first time they log in.
Yes, you can view the transactions that users have performed in online banking. This includes actions such as transfers, password changes, etc. From the Manage Users page, click View Logs on the same row of the user that you wish to view their activity.
From the Manage Users page, click on Edit Profile next to the user you wish to modify or delete. This will take you to the edit user profile page where you can view, edit, deactivate or delete a user's profile. To edit a profile, enter the revised information and click Confirm Edit. To temporarily deactivate a profile and deny access to a user, uncheck the box next to the word Active and click Confirm Edit. To delete a user's profile, click on the link Delete this user's profile and click Confirm Edit. Verify that the user profile displayed is the user you want to delete and click Confirm Delete. Deleting a user permanently removes that user from Family Banking and prevents them from logging in again. Please be sure to use this feature if it is suspected that a user has compromised your identity or accounts.
Your browser's security settings are preventing you from accessing online banking. If you are using either the Internet Explorer or Firefox browser, you will need to add personal online banking to your trusted site list. If you plan on using Bill Pay, please see additional information in the question "When I attempt to access Bill Pay, the login page loads where I should see my bill payments. What should I do?"
For Internet Explorer:
The Overview page loads data from many different sources and because of that it will always take a few seconds longer to load than other pages. You can also use the Summary or Activity pages to view your account information. These pages access data from a single source and load quickly.
You will need to change your security settings in Safari to accept cookies. If you do not want to lower your overall security settings, the setting will have to be changed back when you are finished using online banking. Because Safari does not offer a customizable security feature, we recommend installing Firefox or Internet Explorer for easier access to Bill Pay.
Personal and Business banking products are offered by Rabobank, N.A. Agricultural products are offered by Rabobank, N.A., Rabo AgriFinance, and Rabobank International. Rabobank, N.A. is a Member FDIC and an Equal Housing Lender. Member FDIC and Equal Housing Lender are not applicable to Rabo AgriFinance or Rabobank International. Online account opening available to residents of California only. © Rabobank 2015. Disclaimer
Legal | IAT Rule Change | Important Disclosure Regarding Deposit Insurance on Noninterest-bearing Transaction Accounts