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Debit Card

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.



Skip the hassle of writing checks and the worry of carrying cash. Keep your money safe and secure with just one card you can easily take with you wherever you go.


Free debit card rewards program*

Use your debit card as a great way to earn cash back or other rewards on signature-based transactions.

Mobile wallet

Just add your debit card to your mobile wallet to make debit card purchases using your phone.

Free overdraft protection options

You have several free options to protect your account from overdraft fees.

Overdraft options comparison

No monthly fees

There are no monthly fees for owning or using your debit card.

Receive spending notifications

Set alerts to notify you when debit card transactions are made, or when your account balance is low.

Redwood Rewards

Earn points you can use for cash back, travel, and more

Every time you use your RCU Visa® debit card, you can earn points.

Redeem your points for:

Earn valuable rewards points every time you use your RCU Visa® credit** or debit card with our free Redwood Rewards program.


Cash back

Turn your points into cash! Earn cash back (deposited into your RCU account).



Browse hundreds of brand-name rewards including cameras, tablets, and home appliances.



Access exclusive deals for airline tickets, hotel accommodations, car rentals, cruises, and more!


Event tickets

From concerts to top sporting events to plays, find tickets to events you’ll love, nationwide!


Gift cards

Enjoy a variety of gift card reward options including dining, shopping, and entertainment.



Whether it’s tandem skydiving or a spa day, redeem points for a variety of excursions and entertainment.

How it works

Get started now! Once you receive your debit card, start earning rewards with qualified purchases and enjoy convenient account management with online and mobile banking.

  • 1

    Step One

    Open a checking account.

  • 2

    Step Two

    Make an initial deposit.

  • 3

    Step Three

    Receive the card in the mail in 3-4 business days.

Get a Debit Card

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.

  • 801,038

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

  • Forbes logo

    Best in State Credit Union by Forbes Magazine

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."

— Sheila L.

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.

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.

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

    **Rates effective January 22, 2022. 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.