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Start Smart Account

We want you to study smart, bank smart, and start smart – that’s why we offer the Start Smart account, made just for you! Get the banking tools and guidance you need from a local partner you can trust. Get started today!

Start Smart Account includes:

Convenient Access:

  • Free access to: 30,00 Co-Op network ATMs, 40 RCU ATMs, plus we’ll reimburse up to 4 non-RCU ATM fees per month, learn more
  • Free online banking, bill pay, mobile banking and deposit, learn more
  • 19 locations throughout the North Bay and San Francisco
  • RCUpay (person-to-person payments) a free way to send money across devices

Membership open to anyone living or working in the greater North Bay and San Francisco. Some restrictions may apply. Must be age 18-24 and enrolled in post-secondary education program to open a Start Smart account. Start Smart account minimum balance fees are waived until age 25 or graduation, whichever is earlier. Certain restrictions may apply.

Accrue 1 point for every $1 you spend using your RCU Visa credit card and 1 point for every $2 you spend using your RCU Visa debit card (signature-based transactions only). Business accounts are not eligible.

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If you're interested in opening a Business, Trust, or other type of account, please visit your nearest branch.

Redwood Credit Union serves anyone living, working or owning a business in California’s Northern Bay Area, which includes the counties of Sonoma, Marin, Napa, Mendocino, Lake, San Francisco, Contra Costa and Solano. We look forward to serving you!

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If you're interested in opening a Business, Trust, or other type of account, please visit your nearest branch.

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Need Help Logging in to RCU Online?

If you’ve forgotten your RCU Online banking Username, password, or other login information, follow the directions below to get help now.

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Still need help?

Contact our Member Service Center at 1 (800) 479-7928, Monday through Friday from 7am to 8pm or Saturday from 8am to 5pm PST.
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