No fees
or minimum balance requirements
Set yourself free with a totally free checking account and start earning cash back with your debit card.
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Good to know
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No dividends
The balance in a free checking account doesn't earn dividends. To earn dividends, check out dividend checking.
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$5 deposit in a savings account required
You must deposit $5 in a regular savings account to open a free checking account.
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.
Named one of America’s Best Credit Unions by Newsweek
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."
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1
Apply online
It takes just minutes. If you aren’t already a Member, have your Social Security number and driver’s license or ID card handy.
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2
Deposit money
Move money into your new account so you can start using it.
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3
Manage your money online
Easily manage your money with online and mobile banking.
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.
Save more
Receive an increased yield on select savings products
Enjoy higher savings yields. Use your RCU checking as your everyday spending account and you can qualify for a higher savings rate on select certificates and money market accounts.
Have a question?
At RCU, we're known for our reliable service, and we'll answer your questions and calls quickly.
Want to save money and avoid hassles?
No monthly fees. No minimum balance requirements. No worries.
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1Cash advance transactions and balance transfers are excluded from earning points. Debit rewards available for personal accounts only and on signature-based and PIN-less transactions only. Business accounts are ineligible for debit rewards. All rates, terms and special offers subject to change. Certain restrictions apply.
2First two non-RCU ATM fees reimbursed with active checking; first four non-RCU ATM fees reimbursed with active checking and active RCU loan or credit card. Active = at least one transaction or payment in prior month. (Up to $10 per transaction, casino/gambling and ATMs outside U.S. excluded from reimbursement).
3Early Pay may provide access to eligible direct deposits up to two days before the pay day established by the income provider. Direct deposit must be established by the Member and approved by Member’s income provider. Eligible deposits include payroll, government or state benefits and pensions, and military pay. Person to person payments, international payments, business corporate credits, or other payment types are not eligible. Service is provided solely as a Member benefit and is not guaranteed. Certain restrictions may apply.
4Certain 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.
5Message and data rates may apply.
All Highlights
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No maintenance fees
This free checking account comes with no monthly fees.
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Earn rewards
Earn debit card rewards on every signature-based purchase.1
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Nationwide ATM access
Enjoy free access to 30,000 Co-op® ATMs nationwide for easier access to your funds. Or get cash at nearly any ATM fee-free up to 4 times per month with our ATM reimbursement program.2
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Free overdraft protection options
You have options to protect your account from overdraft charges, to give you peace of mind.
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Get paid early3
Early Pay is a free benefit that gives you access to your eligible funds up to two days sooner when you sign up for direct deposit at RCU.
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Free online and mobile banking
Access your account from your phone or computer to manage your account anytime, anywhere.
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RCUpay person-to-person payments4
Quickly send money to people you know with RCUpay, available in online banking and the mobile app.
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No per-check fees
As a member you don't have to pay any per-check fees to help you save your money for the things you love.
Checking account online application
Already have an RCU account?
(We’ll pre-fill your application)
If you want to open a separate account e.g. a joint account, you need to apply as a new Member.
New to RCU?
(Only takes 10 minutes, eligibility requirements below)
Eligibility
You can become a Member of RCU if you meet any of the following criteria:
- You live, work or own a business in the counties of Sonoma, Marin, Napa, Mendocino, Lake, San Francisco, Solano, or Contra Costa.
- You are an immediate family member of a current RCU Member.
- You work for a designated Select Employer Group.
PPP Forgiveness Application Deadline
Congress passed The Economic Aid Act which changed the deferment period from 6 months post covered period to 10 months post covered period. For example, if your covered period ended June 30, 2021, under the new guidelines the earliest your first loan payment wouldn’t be due until April 2022, and you have until then to request forgiveness. Please use the following calculation to help you identify when your forgiveness will be due:
- PPP borrowers may select a covered period anywhere from 8 weeks to 24 weeks.
- RCU is automatically calculating your loan due date based on a 24-week covered period, if you intend on using a shorter covered period please inform us immediately as this will impact your due date.
- Your correct deadline will be reflected in your online banking account.
If all or part of your PPP loan is not forgiven, your first loan payment will be due the first of the following month after a decision is made by the SBA.
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