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A Representative Payee is an individual that receives Social Security and/or Supplemental Security Income (SSI) payments for someone who cannot manage or direct the management of his/her money. Representative Payee Accounts (RPA) are considered "fiduciary" accounts which are accounts established for the benefit of another individual. The federal Social Security Administration (SSA) determines which social security recipients need representative payees and also approves applications from individuals wishing to become representative payees.

For more information on RPA's you can contact SSA by phone at 1-800-772-1213 or access the "Guide for Representative Payees" online at


  • Jun 18, 2018, 10:38 AM
    "Vehicles today are very expensive, whether new or used. Used vehicles seem to really be holding their values. As such, we needed to finance a 2008 truck.
    After calling around to other financial institutions, no one would extend a loan to us based solely on the age of the vehicle. We wanted you to know what an important role you play in the lives of IMKCFCU members. Not only do you offer wonderful interest rates, but you are filling a gap that others don't offer. 
    Thank you for providing such wonderful services to its members."
    Christopher & Amy Lewis
  • May 9, 2017, 11:30 AM
    I love my CU…we’ve both been members forever. I have been my whole life. I always feel at home when I come in and everyone is so very helpful to me all the time.
    Sally Maloney and Allison Maloney