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Direct Access Checking

Connecting you to safe, affordable banking.

No fees, no minimums. It's that easy.

Enjoy peace of mind

This checkless checking account is ideal if you need a little extra help managing your spending. Do your everyday banking with your Direct Access account and never worry about overdraft fees again.


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.

And more...

Good to know

No checks

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.

Compare our debit accounts

See how the Direct Access Checking account stacks up against our other debit accounts.

Bank On Certified

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.

Why Choose RCU?

At RCU, we’re passionate about helping our Members improve their lives. If you want a credit union that keeps your unique needs in mind and helps you envision and manage your financial future, the friendly experts at RCU are here for you.

America's Best Credit Unions by Newsweek 2024

Named one of America’s Best Credit Unions by Newsweek

America's Best Small Employers by Forbes 2023

Recognized by Forbes as one of America’s Best Small Employers 2023

Good service and no fees! The tellers work pretty fast to keep the wait time down, which I really appreciate."

— Jacob H.

Mobile and Online Banking

Easily manage your money with online and mobile banking.

It's never been easier to track spending, save money, and stay in control of your finances. Online banking can help you do all this from the comfort of your home or office, or use mobile banking to manage your account anywhere.

Have a question?

At RCU, we're known for our reliable service, and we'll answer your questions and calls quickly.

Enjoy peace of mind with a Direct Access account

Keep more of your money by avoiding fees with this no-cost, no-frills spending account.

  • 1Certain restrictions may apply. Recipient must have a US Bank Account. Once a recipient claims their funds, transfers are generally completed within 1 business day or less, but may take up to 3 business days. Message and data rates may apply. Mobile Banking from RCU is free, but you may incur data charges from your carrier/service plan. Please check with your carrier and service plan on specific charges.

    2Must open membership savings account with a $5 balance per account owner.

    3Must set up overdraft transfer from savings in online banking, by phone, or at a branch.