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For a limited time, new Members earn a $250 cash bonus when you open an RCU free checking account and set up direct deposit!1

New Members must have at least $500 in qualifying direct deposits within 90 days of account opening. Hurry! Offer ends 2/29.

Click below to automatically apply the promo code
or enter it when prompted.


Claim Offer

How to get $250

Open your free checking account and set up direct deposit! It’s that easy.

  • 1

    Open your account

    Have your Social Security number and driver’s license or ID card handy. Enter the promo code 250FORME on the review page.

  • 2

    Set up direct deposit

    Submit your RCU checking account and routing number to your employer to establish direct deposit. Steps can be found here.

  • 3

    Receive direct deposit

    Within 90 days of opening your account, receive a minimum of $500 of payroll-based funds via direct deposit.

  • 4

    Enjoy $250!

    Your $250 will be deposited into your new free checking account within 30 days of meeting qualifications!

Open an Account

Free Checking Highlights

No maintenance fees

This free checking account comes with no monthly fees.

Earn rewards

Earn debit card rewards on every signature-based purchase.2

Nationwide ATM access

Enjoy free access to 30,000 Co-op® ATMs nationwide for easier access to your funds. Or get cash at nearly any ATM fee-free up to 4 times per month with our ATM reimbursement program.3

Free overdraft protection options

You have options to protect your account from overdraft charges, to give you peace of mind.

Learn about our options

And more...

Ready for a $250 cash bonus?

Open a free checking account today. Offer ends 2/29.

  • 1Offer valid until 02/29/2024. Promotion is offered to new RCU Members. Employees of RCU and/or RCUSG, volunteer Officials, their family members and roommates are not eligible. Promotion is subject to change and certain restrictions may apply. To receive the $250 bonus, you must open a qualifying new checking account with Redwood Credit Union with a qualifying direct deposit. Qualifying checking accounts are limited to General Membership, open for a minimum of 60 days. Youth, business, health savings (HSA), custodial, trusts, and other specialized accounts are excluded from this offer. Direct deposit must be an ACH deposit of $500 or more with an effective deposit date within 90 days of account opening. Direct deposit is restricted to regular income deposits, government benefits, and monthly retirement income. Person-to-person payments such as Venmo™, PayPal, or Zelle®, and external transfers from linked accounts are excluded. One $250 bonus is available per qualifying individual. New Members must qualify for membership and are required to establish a membership account. Membership is open to anyone living or working in one of the eight North Bay counties RCU serves, some restrictions may apply. For new membership accounts, you must deposit $5 in a regular savings account to open a checking account. The promo code expires on 02/29/2024. $250 bonus is considered interest and will be reported on IRS Form 1099-INT. Participant is responsible for all applicable taxes. Bonus will be awarded by a credit to the newly established checking account within 30 days of meeting checking account and direct deposit requirements.

    2Debit rewards available for personal accounts only. Business accounts are not eligible for debit rewards. Signature-based transactions only.

    3First 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).

    4Certain restrictions may apply. Recipient must have a US 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.