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START SMART Checking (Ages 18-24)

Start your first checking account

Manage your financial responsibilities with an affordable banking account that rewards you.

Friends skateboarding on the rooftop


This free checking account with no minimum balance requirement gives you the freedom to manage your money without worrying about expensive fees.


No initial deposit or minimum balance requirement

There’s no initial deposit required to open your account, no minimum balance requirement, and no monthly fees with Start Smart checking.

Free debit card & rewards1

Use your free debit card to shop online or in-store. Plus, you’ll earn points you can redeem for cash back, gift cards, and more!

Free overdraft protection

There’s nothing better than the peace of mind that comes with knowing your transactions won’t bounce.

Overdraft options comparison

Person to person payments (RCUpay)2

Send money to friends and family right from the RCU app or online banking. Use the free RCUpay feature to pay your roommate, landlord, or nearly anyone!

And more...

Good to know

Must be between 18-24 years old

Designed for students and young adults just starting out, this account is only available to those in the 18-24 age range.

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

Have invested with RCU since I was 18. Never will I leave this incredible institution who truly cares about its community."

— Troy L.

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

Credit Builder Card

Build or repair your credit

A low credit score should not be where your financial future ends - the Visa® Credit Builder credit card can help you build a better score to help you qualify for various loans, including housing and vehicle loans.

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Financial wellness tools

Learn to manage money wisely - Use our free learning modules to help you build credit, save for emergencies, create a budget, and more!

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.

Be in control of your own money

Enjoy a free Start Smart checking account with benefits to help you succeed.

  • 1Debit rewards available for personal accounts only. Business accounts are not eligible for debit rewards. Signature-based transactions only.

    2Certain 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.

    3First 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. Active=at least one transaction or payment in prior month. Casino/gambling and ATMs outside U.S. excluded.