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Free Checking

No fees
or minimum balance requirements

Set yourself free with a totally free checking account and get a free debit card.

Open a Free Checking Account

Manage your everyday spending without hassles and focus on what matters most

RCU’s free checking account is fee-free and offers these features and more.

Free nationwide
ATM access

Enjoy free access to 30,000 Co-op® ATMs nationwide. Or get cash at nearly any ATM fee-free up to 4 times per month.1

Free overdraft
protection

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

24/7 digital banking
access

Access your account from your phone or computer to manage your account anytime, anywhere.

Get paid sooner with
Early Pay

With direct deposit at RCU, you’ll get access to your hard-earned money up to two days sooner with our Early Pay feature.2

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.



Additional features

All RCU checking accounts come with unique capabilities and savings tools allowing you to customize the way you manage and save your money.

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Round Up & Save

We round up your debit card purchases and put the spare change to your savings—automatically.3

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Simple Save

Set a custom amount from each deposit to move automatically into your savings.4

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Automatic Savings

Set up recurring automatic transfers in the amount and frequency you choose.

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RCUpay person-to-person payments5

Quickly send money to people you know with RCUpay, available in online banking and the mobile app.

Good to know

$5 deposit in a savings account required

You must deposit $5 in a regular savings account to open a free checking account.

View Regular Savings

No per-check fees

As a member you don't have to pay any per-check fees to help you save money for the things you love.

Good service and no fees! The tellers work pretty fast to keep the wait time down, which I really appreciate.

— Jacob H.

How to open an account

Opening an account is easy and we're here to help if you need it.

  • 1

    Apply online

    It takes just minutes. If you aren’t already a Member, have your Social Security number and driver’s license or ID card handy.

  • 2

    Deposit money

    Move money into your new account so you can start using it.

  • 3

    Manage your money online

    Easily manage your money with online and mobile banking.

Open an Account

Have a question?

At RCU, we're known for our reliable service, and we'll answer your questions and calls quickly.

Contact Us Schedule Appointment

Want to save money and avoid hassles?

No monthly fees. No minimum balance requirements. No worries.

Open a Free Checking Account

  • 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. ATMs with fees over $10, at casino/gambling locations, and outside the U.S. are excluded from reimbursement.

    2Early 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.

    3Round Up & Save is an optional service for consumer accounts only. Certain restrictions may apply.

    4Simple Save is an optional service for consumer accounts only. Certain restrictions may apply.

    5Certain 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.

Open checking account

Already have an RCU account?

Log In

(We’ll pre-fill your application)

If you want to open a separate account e.g. a joint account, you need to apply as a new Member.

New to RCU?

Get Started

(Only takes 10 minutes, eligibility requirements below)

Eligibility

You can become a Member of RCU if you meet any of the following criteria:

  • You live, work or own a business in the counties of Sonoma, Marin, Napa, Mendocino, Lake, San Francisco, Solano, or Contra Costa.
  • You are an immediate family member of a current RCU Member.
  • You work for a designated Select Employer Group.

PPP Forgiveness Application Deadline

Congress passed The Economic Aid Act which changed the deferment period from 6 months post covered period to 10 months post covered period. For example, if your covered period ended June 30, 2021, under the new guidelines the earliest your first loan payment wouldn’t be due until April 2022, and you have until then to request forgiveness. Please use the following calculation to help you identify when your forgiveness will be due:

  • PPP borrowers may select a covered period anywhere from 8 weeks to 24 weeks.
  • RCU is automatically calculating your loan due date based on a 24-week covered period, if you intend on using a shorter covered period please inform us immediately as this will impact your due date.
  • Your correct deadline will be reflected in your online banking account.

If all or part of your PPP loan is not forgiven, your first loan payment will be due the first of the following month after a decision is made by the SBA.

 

 

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