No maintenance fees
Pay no monthly service, minimum balance, or debit fees with your Direct Access account.
No overdraft fees
If you spend more than your available balance, your transaction will simply decline so you don’t incur overdraft fees. If your account has a negative balance, you will not be charged overdraft fees.
Free contactless Visa® debit card
Spend securely with a Visa debit card featuring contactless payment technology and zero liability fraud protection.
Free online and mobile banking services
Manage your account from online banking or the RCU mobile app to pay bills, make deposits, transfer funds, and more.
This is a checkless account that is accessed with a debit card only.
$5 deposit in a savings account required
You must deposit $5 in a regular savings account to open a Direct Access account.
Monthly statements are available for viewing in online banking. Printed statements are not available with this account.
Bank On Certified
RCU’s Direct Access account is certified as meeting Bank On National Account Standards for safe and affordable bank accounts with no overdraft fees.