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Senior Checking (ages 55+)

Get checking with the benefits you deserve

Earn dividends on your balance and rewards points on your spending.


If you’re over age 55, you’ve earned some benefits. With RCU’s free senior checking account, you’ll earn dividends on balances of $500 or more, rewards points on debit purchases, and higher rates on RCU certificates and money markets. Plus, it’s totally free.

Dividend earning checking

As high as  % APY


Free checking

You pay zero fees. That means no minimum balance fees, no monthly services fees, and no fees for writing checks.

Dividends on balances of $500+

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

Free debit card & rewards program2

Your free debit card automatically earns reward points with every purchase. Redeem your points for cash back, travel, merchandise, and more!

Free checks3

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

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.

Best in State Credit Union by Forbes Magazine

Best in State Credit Union by Forbes Magazine


That’s how many chats, emails, and calls were served by our local Member Service Center in 2021.

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."

— Daniel D.

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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.

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.
    2Debit rewards available for personal accounts only. Signature based-transactions only.
    3Free checks are limited to the RCU corporate image checks only.
    4First 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).
    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.