Checking Accounts


  • Overview
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  • Overdraft Options
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RCU offers a variety of checking accounts to meet your individual needs, including free and dividend earning accounts.

Compare Options  Open an Account

All our personal checking accounts offer:

  • No monthly debit card fees
  • No per-check fees
  • FREE transactions at RCU ATMs and 30,000 CO-OP Network ATMs
  • 3 FREE ATM transactions per month at non-RCU locations
  • FREE Online Banking: Check balances, view checks & much more!
  • FREE Mobile Banking: Check balances, check deposit & more!
  • FREE RCUpay (P2P): Send money person-to-person from your RCU mobile app.
  • FREE Bill Pay: Pay bills anytime & anywhere! 
  • FREE 24-Hour Telephone Teller: Perform account transactions 24/7!
  • FREE Automated Services: Direct deposit, payroll deductions and more
  • Overdraft Options: A variety of options to cover overdrafts
  • Reorder checks online or over the phone
  • Free Checking

    • No minimum balance requirement 
    • No fees or monthly service charges
    • Free debit card with rewards option

    Dividend Checking

    • $500 minimum balance 
    • Dividends paid on balances $500+
    • No fees or monthly service charge if minimum balance maintained
    • Free debit card with rewards option

    High Balance Dividend Checking

    • $2,500 minimum balance 
    • Dividends paid on balances $2,500+
    • No fees or monthly service charge if minimum balance maintained
    • Free debit card with rewards option

    Senior Checking (ages 55+)

    • No minimum balance required, no minimum balance fees
    • Dividends paid on balances of $500+
    • Free debit card with rewards option
    • No transaction limits (e.g., checks, electronic withdrawals, deposits, etc.) on the checking account
    • No fee for check orders (RCU corporate image checks only)

    Smart Start Checking (currently enrolled students ages 18-24)


Free Checking

Dividend Checking

High Balance
Dividend Checking

Minimum Balance




Dividends Paid


On balances $500+

On balances $2,500+

Monthly Service Charge


To Avoid Monthly Service Charge


Maintain $500
minimum daily balance 

Maintain $2,500
minimum daily balance

 ATM Use
  • FREE at RCU and CO-OP Network ATMS (30,000+ Nationwide)
  • 3 free per month at non-RCU/CO-OP ATMS
  • ATM Locator
 Other Benefits  

RCU's Overdraft Protection Program

An overdraft occurs when funds are withdrawn from an account and the account balance does not have available funds. We will use the available balance and not your actual balance to determine if you have sufficient funds to cover your transactions.

RCU offers a variety of overdraft protection programs to offer you convenience and peace of mind.

Overdraft Account Transfer

  • Available FREE to RCU Members
  • Transfer funds from your other RCU accounts to cover overdrafts
  • Transfers occur in $100 increments
  • Cover insufficient funds occurring from debit transactions, checks, automatic bill payments
  • Limit 6 transfers per month by Federal Regulation D. Learn more

Overdraft Line of Credit:

  • Funds from line of credit transfer to checking account automatically
  • Coverage is provided in $100 increments
  • Daily interest charged on outstanding balances
  • No interest or fees are assessed if no balance
  • Available upon credit approval. Apply now

Overdraft Pay Advantage

Sometimes an unexpected life event or an occasional mistake can leave you short of funds so when you write a check or use your debit card, the money isn’t available in your RCU checking account. With RCU’s Overdraft Pay Advantage (OPA) program, you may be covered if you accidentally overdraw your account.

We provide this service to help on occasions when:

  • You made an honest mistake balancing your account and now you’re short of funds.
  • A deposit you expected was delayed.
  • Unforeseen expenses drained your account balance.

Additional benefits OPA provides:

  • Prevents the embarrassment of a declined debit card transaction or a “bounced” check.
  • Allows you to avoid the additional expense of a merchant’s returned-item charge.
  • Gives you greater flexibility managing your money.
  • Added convenience. 

RCU’s Overdraft Pay Advantage service acts as a safety net on those occasions when you have insufficient funds to pay for a transaction and do not have any other protection services. Instead of an item or transaction being returned or being declined, RCU may pay the item or transaction on your behalf. Because an overdraft occurred, you will incur a non-sufficient funds (NSF) fee. View Cost Recovery Schedule for information.

This fee is the same amount as if we returned your check unpaid. (Debit card transactions that are declined are not assessed a fee.) This service can be used to pay your checks, automatic bill payments (such as Automated Clearing House or recurring debit card transactions), and your everyday debit card transactions. After a transaction is paid, you’ll be asked to make a deposit to cover the negative balance in your account immediately, and no later than within 20 days.

Open an RCU Checking Account

Open an RCU checking account today and grow your savings! Our checking accounts offer:

  • Free & dividend earning options
  • Free debit card & ATM access
  • Overdraft protection & free eServices

Ready to open an RCU account?

Join Today

Already an RCU Member?

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Contact our Member Service Center at 1 (800) 479-7928, Monday through Friday from 7am to 8pm or Saturday from 8am to 5pm PST.

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Redwood Credit Union serves anyone living, working or owning a business in California’s Northern Bay Area, which includes the counties of Sonoma, Marin, Napa, Mendocino, Lake, San Francisco, Contra Costa and Solano. We look forward to serving you!