Enjoy a simple and secure way to spend
Use your RCU debit card to make fast, easy purchases or get cash at thousands of ATMs nationwide.
Highlights
Earn reward pointsEarn 1 point for every $2 spent. Points can be turned into merchandise, gift cards, and more. Or, redeem them for cash that gets deposited into your RCU account to help you reach your savings goals even faster. |
Convenient ATM accessEnjoy free access to 30,000 network ATMs nationwide, so you can access your money whether you’re close to home or on the go. Just look for the Co-op® logo. |
Free overdraft protection optionsYou have several free options to protect your account from overdraft fees. |
No monthly feesThere are no monthly fees for owning or using your debit card. |
Receive spending notificationsSet alerts to notify you when debit card transactions are made, or when your account balance is low. |
Earn points you can use for cash back, travel, and more
Every time you use your RCU Visa® debit card, you can earn points.
Features
Digital Wallet
Click to Pay
Tap to Pay
Security
Zero Liability
Rewards
Redwood Visa® Credit Cards
Maximize rewards with a Visa credit card
Get valuable rewards and benefits for your spending that go beyond using your debit card.
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1
Step One
Open a checking account.
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2
Step Two
Make an initial deposit.
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3
Step Three
Receive the card in the mail in 3-4 business days.
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
That’s how many chats, emails, and calls were served by our local Member Service Center in 2021.
I changed over to RCU years ago. I've been very happy at RCU. You get to talk to real people in a reasonable amount of time. One perk I love is when I need to go to an ATM, and I'm not close to a RCU ATM, they will credit back the fee for using a different bank."
Have a question?
At RCU, we're known for our reliable service, and we'll answer your questions and calls quickly.
Enjoy convenience and peace of mind with a debit card
When it comes down to it, simpler can be better! A debit card makes it fast and easy to make purchases with your checking account funds, and earn great rewards in the process.
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Debit rewards available for personal accounts only. Business accounts are not eligible for debit rewards. Signature-based transactions only. Rates effective September 21, 2023. All rates, terms and special offers subject to change. Certain restrictions apply. For cash advances at a non-RCU location, the greater of 2% of the advance or $20 will be charged.
Open Account
Not a Member?
Become a Member and open your checking account. Review our Membership requirements below to determine if you are eligible.
Already a Member?
Go to Online Banking to add your checking account. If you want to open a separate account e.g. a joint account, you need to apply as a new Member.
You can become a Member of RCU if you meet any of the following:
- You live, work or own a business in the counties of Sonoma, Marin, Napa, Mendocino, Lake, San Francisco, Solano, or Contra Costa.
- You are an immediate family member of a current RCU Member.
- You work for a designated Select Employer Group.
Tips to rack in rewards faster
Use your card to pay bills and for recurring payments
Add your card to streaming services
PPP Forgiveness Application Deadline
Congress passed The Economic Aid Act which changed the deferment period from 6 months post covered period to 10 months post covered period. For example, if your covered period ended June 30, 2021, under the new guidelines the earliest your first loan payment wouldn’t be due until April 2022, and you have until then to request forgiveness. Please use the following calculation to help you identify when your forgiveness will be due:
- PPP borrowers may select a covered period anywhere from 8 weeks to 24 weeks.
- RCU is automatically calculating your loan due date based on a 24-week covered period, if you intend on using a shorter covered period please inform us immediately as this will impact your due date.
- Your correct deadline will be reflected in your online banking account.
If all or part of your PPP loan is not forgiven, your first loan payment will be due the first of the following month after a decision is made by the SBA.
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