What’s New at RCU

^*Registration/activation required

¹Benefits are available to personal checking accounts and the primary accountholder and joint accountholder(s) subject to the terms and conditions for the applicable benefits or as set forth in the Benefits Checking Terms of Service. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. Minimum balance required to open a Benefits Checking Account is $25.00. Benefits may be accessed within RCU’s Digital Banking platform. Some Benefits require authentication, registration and/or activation. Certain restrictions may apply.

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

³Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the 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 or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate

⁴SmartSweep is an optional payment service available for RCU credit cards. Member must meet certain eligibility criteria to enroll in SmartSweep, set the designated payment schedule, and have sufficient available funds to cover the scheduled payment. If sufficient available funds are not in the designated account, payment will not occur, and it is the Member’s responsibility to ensure all required credit card payments are made. Certain restrictions may apply.

⁵Early 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.

⁶Simple Save is an optional service for consumer accounts only. Certain restrictions may apply.

⁷To be eligible for the DreamStart Home Loan program, borrowers must be a first-time homebuyer or have not owned a home in the last three years.

⁸Round Up & Save is an optional service for consumer accounts only. Certain restrictions may apply.

⁹Skip-a-Pay may be used for a maximum of two (2) payments during a rolling twelve (12) month period per qualifying loan. To be eligible, you must (1) have Digital Banking, (2) have a general membership account with checking and/or savings account(s), (3) have an existing qualifying loan with a minimum of six (6) payments made and in good standing, and (4) be in good standing as defined in the Membership Account Disclosure. Only certain loan types are eligible and certain fees and restrictions may apply.