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.
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!