Royal Credit Union offers a range of financial services including home loans, auto loans, personal loans, credit cards, and business loans. They provide a free Bill Pay service for members to easily and quickly pay bills either electronically or by paper check, with options for one-time or scheduled payments. Members can also choose to receive electronic statements for their accounts, which offer faster delivery, better security, and easy organization. If you see billing from them, it might be for loans, credit card payments, or related financial services subscriptions through their Bill Pay system or loan payments.
Difficulty
12345
678910
Easy
Medium
Very Hard
Royal Credit Union provides multiple customer service contact methods—phone, email, fax, and contact form—for membership or subscription cancellation. The process involves reaching out to member service, which is straightforward but requires direct communication, making it relatively easy but not fully automated.
Estimated Time
On average, it takes
15 minutes
00
00
minutes to cancel a Royal Credit Union subscription.
How to Cancel Royal Credit Union: Step by Step
If you purchased through Card Purchases:
- Log in to your Royal Credit Union online banking account.
- Navigate to the Account Services section.
- Select Manage Recurring Payments.
- Identify the subscription you wish to cancel.
- Click on Cancel Subscription button next to it.
- Confirm your cancellation when prompted.
If you purchased through Gift Cards:
- Contact Royal Credit Union Member Service at 800-341-9911.
- Request to cancel your gift card subscription.
- Provide any requested information about your account.
- Follow any additional instructions provided by the representative.
If you purchased through Unrelated Charges:
- Log in to your online banking account.
- Go to the Transaction History section.
- Locate the unrelated charge you wish to dispute or cancel.
- Contact Member Service at 800-341-9911 to request the cancellation.
- Provide any requested details about the charge.
- Follow up to confirm that the charge has been cancelled.
Tips & Tricks for Canceling Royal Credit Union
- Call during off-peak hours to avoid long wait times and get more attentive customer service.
- Be firm and concise in stating your intention to cancel — avoid unnecessary details that can prolong the call.
- Request escalation to a supervisor or manager if the frontline representative is unhelpful or refuses cancellation.
- Document every interaction including names, dates, and times to reference in follow-ups or disputes.
- Use the official cancellation phone number even if it requires multiple calls, as using other contact points delays processing.
- Send a written cancellation request via certified mail to create a paper trail and official proof of your request.
- Ask explicitly for confirmation of cancellation whether by email, postal letter, or recorded call.
- Leverage billing cycles timing by submitting cancellation requests just before new billing dates to avoid additional charges.
- Dispute unauthorized charges promptly citing your cancellation request and requesting refunds.
- Remain polite but persistent as representatives may push to retain memberships.
- Use online banking tools to cancel recurring payments or transfers scheduled in your account dashboard.
- Be aware of third-party collections and communicate directly with Royal Credit Union if contacted to avoid erroneous payments or confusion.
Royal Credit Union Customer Service Info
If you need assistance, here's how you can get in touch with Royal Credit Union's support team.
Cancel Royal Credit Union Script
Script
Copy
Dear Royal Credit Union Team,
I hope this message finds you well. I would like to request the cancellation of my membership/subscription effective immediately. Due to changes in my financial circumstances, I've decided to consolidate my banking services. Please confirm that my cancellation has been processed at your earliest convenience. Thank you for your assistance.
Best regards,
Frequently Asked Questions
Royal Credit Union allows cancellation of business online banking services by contacting Member Service at 800-341-9911 or mailing a cancellation request to PO Box 970, Eau Claire, WI 54702. Access to services may be terminated for any reason or for inactivity over six months, and cancellation due to insufficient funds can be reinstated after funds are available and contact is made with member services.
To cancel a subscription with Royal Credit Union (rcu.org), generally you will need to be authenticated, which typically means having your password or login credentials ready. This is because access to your account for making changes, including cancellation, is protected for security reasons. However, you can contact their Member Service by phone at 800-341-9911 to inquire about cancellation options; they may provide guidance or assistance. If you need to reset your password for access, you can do so at this link: https://rcuonline.org/tob/live/usp-core/app/authUpdate.
- Misleading actions regarding credit report inquiries without customer consent.
- Improper loan and account management, including incorrect handling of payments and unauthorized charges.
- Poor communication and customer service, such as unclear responses about account statuses and failure to provide necessary loan documentation.
- Disputes over debt collections, including claims of not owing debts or receiving original contracts.
- Issues with fraud notices, including delays and inadequate handling of fraud claims.
- Accounts reported delinquent despite payments, affecting credit scores negatively.
- Lack of adequate human support and resolution, causing dissatisfaction with customer care.
- Confusion and dissatisfaction over loan payoff, auto payments, and billing accuracy.
- Concerns about transparency and billing correctness.
- Sales and advertising issues, including unapproved charges on credit cards.
Royal Credit Union generally allows cancellation of memberships and services without mention of long-term contracts or lock-in gimmicks. However, specific financial products like certificates (similar to CDs) have substantial penalties for early withdrawal which can reduce earnings and principal. There do not appear to be early cancellation fees or restrictive terms preventing users from ending their membership or subscriptions, but it's best to confirm for certain products or services by contacting Royal Credit Union directly.
Before cancelling your Royal Credit Union membership or account, keep in mind that you will lose access to the benefits of membership such as better rates on deposits and loans, more free services (like Bill Pay, check printing, certified checks), and lower or no fees on many services. Your ability to use advanced technology features like mobile deposit and online banking will also be terminated. If you have business online banking services, cancelling requires contacting Royal's Member Service by phone or mail. Also, if your account has any pending fees or insufficient funds, those will need to be settled before services can be fully cancelled. Lastly, Royal Credit Union may limit or terminate access to accounts or online banking due to inactivity or other reasons without prior notice, but re-enrollment is possible.
- Full Name of the primary account holder or member
- Account Number associated with the subscription, membership, or bill
- Contact Information (phone number, mailing address, and/or email address)
- Photo Identification (such as a driver’s license or other government-issued ID, if closing or making account changes in person)
- Reason for Cancellation (may be requested, though not always required)
- Outstanding Transactions details: Ensure that all checks, debit transactions, and automatic outgoing payments have cleared before closing an account
- Authorization/Signature of the account holder or personal representative if acting on behalf of another person
- Legal Documents if needed (such as certified death certificate, legal paperwork, or power of attorney if closing an estate or handling on behalf of a deceased member)
We've actually written a step by step guide on how to get a refund from Royal Credit Union. Check it out!
The Easiest Way to Cancel Royal Credit Union
If you’re frustrated trying to cancel your subscription, membership, or bill from Royal Credit Union—or if you didn’t even realize you were being charged—Chargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or email account, and we’ll take care of the rest.
Start reclaiming your money today with Chargeback
What Are Some Alternatives to Royal Credit Union?
Royal Credit Union charges on statements could show up with descriptors such as RCU, Royal Credit Union, RCU Debit, RCU Card, or similar variations typically including the initials or name of the credit union. However, the exact descriptors can vary depending on the type of transaction and merchant processing details.
Editorial Note: These articles reflect the opinions of Chargeback's writers. Everyone's situation is unique; therefore, it is important to conduct your own research and note that our self-help tools are not guaranteed to help with any specific problem.
.svg)
.svg)
.svg)
.svg)
.png)
