No Fee Checking
Enjoy a truly, no-hidden-catches-and-no-fine-print FREE Checking Account! Compare and save!
- No fees, no monthly service charge
- No minimum opening balance
- No monthly balance requirement
- No monthly debit card fees
No per-check fees- FREE transactions at all RCU ATMs
- FREE transactions at the 28,000 Nationwide CO-OP Network ATMs
- Three FREE ATM withdrawals* per month at non-RCU locations ($1.00 each for more than three).
- 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.
- 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
Apply Now
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: 1 (800) 479-7928, or visit an RCU branch.
Great news! Funds in your non dividend bearing checking accounts with RCU have unlimited federal deposit insurance through December 31, 2012!
NOTICE OF CHANGES IN TEMPORARY NCUA INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS
All funds in a “noninterest-bearing transaction account” are insured in full by the National Credit Union Administration through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to members under the NCUA’s general share insurance rules.
The term “noninterest-bearing transaction account” includes a traditional share draft account (or demand deposit account) on which the insured credit union pays no interest or dividend. It does not include any transaction account that may earn interest or dividends, a negotiable order of withdrawal (“NOW”) account, money market deposit account, and Interest on Lawyers Trust Account (“IOLTA”), even if share drafts may be drawn on the account. For more information about temporary NCUA insurance coverage of transaction accounts, visit www.ncua.gov.
