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New Member Welcome Center

Welcome to RCU

We're glad you're here, and we are so excited you've chosen us as your financial partner.

Get started

Follow the steps below to make the most of your new RCU checking account.


Enroll in digital banking

  • Access digital banking in our iOS® and Android apps or through online banking.
  • Use your Member number, credit card, or debit card number to enroll.
  • Your Member number was provided when you opened your account. If you opened your
    account online, you can find it in the new account documents sent via email from DocuSign


Establish direct deposit

  • Reach out to your employer or payer to change your direct deposits to go to your RCU account.
  • Provide RCU’s routing number and your 14-digit account number. RCU’s routing number is 321177586.
  • To find your account number, go to your checking account in digital banking and
    click the Details tab.


Switch your recurring payments

  • Once your direct deposits are coming into your RCU account, update your recurring bills
    such as rent or mortgage, utilities, and cell phone service.
  • Check your transaction history from your prior financial institution to make sure you have
    everything covered.


Get the most out of your new account

  • Check out our Digital Banking Resource Center to learn about tools and features such as transaction alerts,
    debit card controls, spending analysis, budgeting tools, and more.
  • Access free ATMs across California and the country.
  • Set up mobile wallet for safe and secure purchases anywhere you go with your devices.


Close your old account

  • Make sure all automatic transactions have been moved to RCU.
  • Close your old checking account to avoid possible low balance or inactivity fees.

Products and services

We provide a wide range of services to support all of your financial needs—from basic banking services like checking and savings accounts, to credit cards, and more.

Convenient access


Free ATMs

Enjoy free access to 30,000 Co-op® Network ATMs and 55 RCU ATMs.

Learn More


Local branches

You can visit 19 locations throughout the North Bay and San Francisco.

Find a Branch


Digital banking

You can utilize free online banking, bill pay, mobile banking, and mobile deposit.

Learn More