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Direct Access Checking

Connecting you to safe, affordable banking.

No fees, no minimums. It's that easy.

Open a Direct Access Checking Account

Enjoy peace of mind

This checkless checking account is ideal if you need a little extra help managing your spending. Do your everyday banking with your Direct Access account and never worry about overdraft fees again.

Highlights

No maintenance fees

Pay no monthly service, minimum balance, or debit fees with your Direct Access account.

No overdraft fees

If you spend more than your available balance, your transaction will simply decline so you don’t incur overdraft fees. If your account has a negative balance, you will not be charged overdraft fees.

Free contactless Visa® debit card

Spend securely with a Visa debit card featuring contactless payment technology and zero liability fraud protection.

Free online and mobile banking services

Manage your account from online banking or the RCU mobile app to pay bills, make deposits, transfer funds, and more.

And more ...

View all highlights

Good to know

No checks

This is a checkless account that is accessed with a debit card only.

Age requirements

This product is only available to adults under age 26 and RCU Junior Ranger and Junior Partners with a responsible adult on the account.

$5 deposit in a savings account required

You must deposit $5 in a regular savings account to open a Direct Access account.

View Regular Savings

E-statements

Monthly statements are available for viewing in online banking. Printed statements are not available with this account.

Compare our debit accounts

See how the Direct Access Checking account stacks up against our other debit accounts.


Bank On Certified

Bank On Certified

RCU’s Direct Access account is certified as meeting Bank On National Account Standards for safe and affordable bank accounts with no overdraft fees.

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.

Named one of America's Best Credit Unions by Newsweek

Named one of America’s Best Credit Unions by Newsweek

Recognized by Forbes as one of America's Best Small Employers 2023

Recognized by Forbes as one of America’s Best Small Employers 2023

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

— Jacob H.

Mobile and Online Banking

Easily manage your money with online and mobile banking.

It's never been easier to track spending, save money, and stay in control of your finances. Online banking can help you do all this from the comfort of your home or office, or use mobile banking to manage your account anywhere.

View Online & Mobile Banking

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

Enjoy peace of mind with a Direct Access account

Keep more of your money by avoiding fees with this no-cost, no-frills spending account.

Open a Direct Access Account

  • 1Certain 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.

    2Must open membership savings account with a $5 balance per account owner.

    3Must set up overdraft transfer from savings in online banking, by phone, or at a branch.

All Highlights

No maintenance fees

Pay no monthly service, minimum balance, or debit fees with your Direct Access account.

No overdraft fees

If you spend more than your available balance, your transaction will simply decline so you don’t incur overdraft fees. If your account has a negative balance, you will not be charged overdraft fees.

Free contactless Visa debit card

Spend securely with a Visa debit card featuring contactless payment technology and zero liability fraud protection.

Free online and mobile banking services

Manage your account from online banking or the RCU mobile app to pay bills, make deposits, transfer funds, and more.

Free RCUpay person-to-person payments1

Quickly send money to people you know with RCUpay, our free money transfer tool in online banking and the mobile app.

Free Nationwide ATM access

Utilize RCU ATMs or any of our 30,000 Co-op® network ATMs nationwide for free access to your funds.

Open a Direct Access account

You can open a Direct Access account over the phone or in-person at an RCU branch.

Give us a call

1 (800) 479-7928

M-F from 7 a.m. to 8 p.m.
Sat from 8 a.m. to 5 p.m.

Find a branch

Visit our Branch & ATM Finder

Use our Branch Locator to find your nearest branch.

Need help?

Conveniently schedule a time to meet in person or speak on the phone with one of our team members.

Schedule an Appointment

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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