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Direct Access Checking
Discover worry-free spending and no overdraft fees with this free, low-maintenance account.
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Compare checking accounts
| Feature | Free Checking | Plus Checking | Senior Checking (62+) | Direct Access Checking |
|---|---|---|---|---|
|
Monthly fee |
$0 |
$3 if min. balance not met |
$0 |
$0 |
|
Minimum balance |
$0 |
$500 |
$0 |
$0 |
|
Dividends* |
0% APY |
See current rates | See current rates |
0% APY |
|
Check writing |
True |
True |
True |
|
|
Visa® debit card |
True |
True |
True |
True |
| Overdraft options |
True |
True |
True |
(transactions will decline if insufficient funds) |
|
Free nationwide ATM access |
True |
True |
True |
True |
|
Other ATM fee reimbursement** |
True |
True |
True |
|
|
BankOn Certified |
|
|
|
True |
-
*Rates are effective April 2, 2025 and are subject to change without notice. APY = Annual Percentage Yield. Fees may reduce earnings.
**First 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).
Rates
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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