Dividend Earning Checking
If you typically carry a balance of over $500 in your Checking Account, then RCU's Dividend Earning Checking account may be right for you.
- Balances of $500 or more earn a dividend paid and compounded monthly (a monthly service charge is assessed if your balance drops below $500)
Minimum opening balance is $500- No per-check fees
- FREE transactions at 29 RCU and 1 Shared ATMs
- FREE transactions at the 25,000 Nationwide CO-OP Network ATMs
- Three FREE ATM withdrawals* per month at non-RCU locations ($1.00 each for more than three). If you participate in our Member rewards program, RedwoodRewards Plus, you may receive all of your ATM transactions at any ATM FREE.* Find details about our Redwood Rewards program here.
- Free* point-of-sale (POS) transactions at participating merchants
*RCU charges no fee for this service, however, some merchants may charge a fee.
- VISA Check Card - make purchases quickly and easily with an RCU VISA Check Card
- 24-Hour Telephone Teller - perform account transactions 24 hours a day, 7 days a week.
- Automated Transaction Services - save time and energy with direct deposit, payroll deductions and more
- Free Online Banking - make your life easier by turning any PC into a virtual RCU branch - view your checks online, access your statements and more.
- Free Bill Pay -pay bills anytime, anyplace there's a personal computer at no charge from RCU.
- Overdraft Protection - Several overdraft protection plans are available with no service charge (up to 6 transfers in $100 increments per month from a specified share or money market account. Unlimited transfers may be made from your personal line of credit loan up to available credit limit). Our overdraft protection plans include automatic transfer from any of the following: savings account, money market account, personal line of credit/overdraft protection loan, or a combination of loan and savings
Current dividend rates
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It's your money - it's your choice. When you've decided which RCU Checking Account is best for you, simply complete an online Checking application or print the form and mail a completed copy to us. If you have questions about our Checking Accounts, please call us at: (800) 479-7928, or visit an RCU branch.
Rates and policies are subject to change. Please see RCU's current Truth-In-Savings-Accounts (TISA) and Multiple Account Disclosure for complete account details. To obtain a printed copy of RCU's TISA and Multiple Account Disclosures, call or visit an RCU branch.
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