Unleash the power of Benefits Checking1
For just $7, you'll get essential services for everyday life.
So much more than everyday checking
Now is your chance to get a premium checking account that comes with peace of mind. For just $7 a month, Benefits Checking includes valuable benefits including identity theft benefits, telehealth, roadside assistance and more. And with everything accessible in RCU digital banking, your benefits are always just a few clicks away.
Explore the benefits of Benefits Checking1
ID theft benefits
Access IDProtect® for credit monitoring*, identity theft resolution and identity fraud expense reimbursement coverage2 and more.
Telehealth services*3
Access U.S.-based board-certified doctors 24/7 for video visits with zero copay.
Cell phone protection2
Get coverage to repair or replace up to four damaged or stolen phones.
Roadside assistance2
Get 24/7 nationwide help up to $100 per occurrence.
Travel & leisure discounts
Redeem and print coupons online for local and national hotels, restaurants, and more.
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1
Log in
Log into RCU digital banking on your device.
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2
Select your account
Select your Benefits Checking account from your accounts list.
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3
Select Access Benefits
Select Access Benefits to enter your Benefits homepage.
Checking with benefits that matter
Get better protection, savings, and peace of mind with the essential services built right into Benefits Checking.
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*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.
2Special 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.
3Available for the account holder and their spouse/domestic partner and up to six (6) dependent children age 2 and older. This is not insurance.
4Round Up & Save is an optional service for consumer accounts only. 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.
Open a checking account
Already have an RCU account?
(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?
(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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