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Free Checking

No fees
or minimum balance requirements

Set yourself free with a totally free checking account and get a free debit card.


With free checking, you can manage your everyday spending without hassles so you can focus on what matters most to you.


No maintenance fees

This free checking account comes with no monthly fees.

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.1

Free overdraft protection options

You have options to protect your account from overdraft charges, to give you peace of mind.

Learn about our options

Get paid early2

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.

And more ...

Good to know

No dividends

The balance in a free checking account doesn't earn dividends. To earn dividends, check out dividend checking.

View Dividend Checking

$5 deposit in a savings account required

You must deposit $5 in a regular savings account to open a free checking account.

View Regular Savings

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.

How to open an account

Opening an account is easy and we're here to help if you need it.

  • 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.

  • 2

    Deposit money

    Move money into your new account so you can start using it.

  • 3

    Manage your money online

    Easily manage your money with online and mobile banking.

Open an Account

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.

Online Banking Highlights

Online Bill Pay

Online banking makes paying bills easier. Pay rent, utilities, your dog-walker, and more with just a few clicks! Plus, set up automatic payments for recurring expenses.

Text and email alerts4

Sign up for email and text alerts with online banking and you will get an instant notification if anything changes. You can get notified of balance updates, certificate maturity dates, loan payment reminders, and more, so you can keep tabs on your money.

Automatic and one-time transfers

Make your life easier by transferring money between your RCU accounts, or setting up transfers to and from your RCU accounts and your accounts elsewhere.

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.

  • 1First 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).

    2Early 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.

    3Certain 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.

    4Message and data rates may apply.