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¹First 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 checking is defined as a checking account having 3 or more transactions per month (excluding telephone teller, fee or dividend posting transactions). RCU loan or credit card with at least 1 transaction or payment in the prior month. Direct Access checking accounts are ineligible for ATM fee reimbursements. ATMs with fees over $10, at casino/gambling locations, and outside the U.S. are excluded from reimbursement.

²Benefits are available to personal checking accounts and the primary accountholder and joint accountholder(s) subject to the terms and conditions set forth in the Benefits Checking Terms of Service and Guide to Benefits and/or applicable insurance documents. Minimum balance required to open a Benefits Checking Account is $25.00. Benefits may require additional authentication, registration, and/or activation within RCU’s Digital Banking platform. Certain restrictions may apply.

³Credit Score is a VantageScore 3.0 based on single bureau credit data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness. Once you have activated credit file monitoring, you may request your credit score. Once you have done so, you will have access to an updated score monthly.

⁴Available for the account holder and their spouse/domestic partner and up to six (6) dependent children age 2 and older. This is not insurance.

⁵The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Insurance Products are not insured by the NCUA/FDIC or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.

⁶Early Pay may provide access to eligible direct deposits up to two days before the pay day established by the income provider. Direct deposit must be established by the Member and approved by Member’s income provider. Eligible deposits include payroll, government or state benefits and pensions, and military pay. Person to person payments, international payments, business corporate credits, or other payment types are not eligible. Service is provided solely as a Member benefit and is not guaranteed. Certain restrictions may apply.

⁷Simple Save is an optional service for consumer accounts only. Certain restrictions may apply.