Skip nav to main content.
Senior Checking (ages 55+)

Get checking with the benefits you deserve

Senior checking offers added benefits to anyone ages 55 and above. Enjoy free checks, no monthly fees, dividends on balances of $500+, and more. You've earned it!



You deserve to feel valued and appreciated. With free senior checking, you’ll get free logo checks, dividends on balances of $500+, and pay no monthly service fees.

Dividend earning checking

As high as  % APY

High balance dividend checking

As high as  % APY


Free checking

You pay zero fees or monthly service charges when you open a senior checking account.

Free checks2

Get free checks to use for everyday spending, paying bills, and more.

Dividends on balances of $500+

Your money makes money—enjoy dividends every month on balances of $500 or more.

No minimum balance

No minimum balance requirement means you can use your money however you want! 

And more ...

Good to know

Must be age 55+

You can open a senior checking account when you’re age 55 or above.

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.

  • ChatCallsEmails_icon8

    That's how many chats, emails, and calls were served by our local Member Service Center in 2020.

  • forbes-largest3

    Best in State Credit Union by Forbes Magazine

I've been an RCU member for several decades. Super glad there's a branch near my home in Sebastopol; the folks there, like Emma, are always friendly, helpful and pleasant to deal with. I highly recommend RCU to everyone! Support the local community through your banking process."

— Daniel D.

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

Suggested for you

Online banking

Online banking provides many benefits including saving time and helping with organization when managing finances from home. With online banking, you can stay ahead of the game when it comes to finances. Remove the stress from managing money with help from convenient services like this one!

Online banking highlights

Online Bill Pay

There’s no need to write checks or visit multiple websites to pay bills. Use Bill Pay to conveniently pay all your bills in one place.

Open new accounts

It’s easy to open new accounts right from your computer without having to visit a branch.

Text and email alerts

Sign up for text or email alerts to stay on top of what’s happening with your accounts. Get notified immediately of any changes to account balances, certificate maturity dates, loan payment reminders, and more.

Create a personal budget

You can create a personalized budget online that is convenient for you, and can help you more easily keep track of your income and spending.

Have a question?

At RCU, we're known for our reliable service, and we'll answer your questions and calls quickly. Go ahead: send us a question or give us a call.

You deserve a checking account that takes care of you

With free checks, dividends on balances of $500+, and much more for anyone age 55 or above, you'll love the benefits of senior checking.

  • 1APY = Annual Percentage Yield. Fees may reduce earnings.

    2Free checks are limited to the RCU corporate image checks only.

    3Debit rewards available for personal accounts only. Signature based-transactions only.

    4First two non-RCU ATM fees reimbursed with active checking; first four non-RCU ATM fees reimbursed with checking and active RCU loan or credit card. ATM = at least one transaction or payment in prior month. Casino/gambling and ATMs outside U.S excluded.

    5Certain restrictions may apply. Recipient must have a U.S. 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.