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New! Benefits checking

Unleash the power of Benefits Checking

Only $7 a month for $75 worth of essential benefits.

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 over $75 worth of valuable subscriptions including identity protection, 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

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ID theft protection

Access IDProtect® for credit monitoring, fraud resolution and reimbursement coverage.2

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Telehealth services

Access U.S.-based board-certified doctors 24/7 for video visits with zero copay.3

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Cell phone protection

Get coverage to repair or replace up to four damaged or stolen phones.4

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Roadside assistance

Get 24/7 nationwide help up to $100 per occurrence.4

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Travel & leisure discounts

Redeem and print coupons online for local and national hotels, restaurants, and more.

The savings add up

The cost of obtaining these services individually would add up to over $75 a month. But you’ll get them all for just $7 a month with Benefits Checking.

Benefits
Checking


$7

per month

Purchased
Separately


$75

per month

Additional financial features

Round Up & Save

Round up your debit card transactions and transfer the difference into savings.

Learn more about Round Up & Save

Early Pay

Get access to eligible funds up to two days sooner when you use direct deposit at RCU.

Learn more about direct deposit

Simple Save

Pay yourself first, and watch your savings grow! Set your preferred amount of each new deposit you want automatically transferred to your savings or money market account.

Learn more about Simple Save

Free overdraft protection

Choose the best option to protect your account from overdraft charges.

Learn about our options

Nationwide ATM access

Get free access to 30,000 Co-op® ATMs nationwide.

Find a branch near you

Free digital banking

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

Learn more

Good to know

Minimum balance to open

You must open your account with a minimum of $25.

Low monthly fee

Get all the benefits of Benefits Checking for a low monthly fee of just $7.

It’s easy to access your benefits

The best way to find and use your benefits is through digital banking. If you don't use digital banking, you can call the Benefits Service Center at the phone number provided at sign up.

  • 1

    Log in

    Log into RCU digital banking on your device.

  • 2

    Select your account

    Select your Benefits Checking account from your accounts list.

  • 3

    Select Access Benefits

    Select Access Benefits to enter your Benefits homepage.

Checking with benefits that matter

Get protection, savings, and peace of mind with the essential services built right into Benefits Checking.

  • 1Benefits 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.

    2Credit 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.

    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.

    4The 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.

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