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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.

Sign up today for RCU Online banking.

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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.