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Routing Number: 291880411

 

 

 

 

 

 

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Effective March 15, 2011

All business accounts were automatically enrolled in Courtesy Pay and Check Card Coverage.*

RCU pays overdrafts at our discretion, which means we cannot guarantee that your account will qualify for RCU to authorize and pay any type of transaction.

 

CANCELLING SERVICES

May I opt-out of Courtesy Pay or Check Card Coverage?

You may opt-out of Check Card Coverage and keep Courtesy Pay or you may opt-out of both. However, to benefit from Check Card Coverage, you must be opted-in and qualify for Courtesy Pay.

 

 

 

Enjoy peace of mind knowing that you can make important purchases even if you lose track of your account balance. Overdrawing your account can happen easily if more than one person is making purchases from the same account.

Apply for an business overdraft protection online.

Save yourself the embarrassment of having your transaction declined because there is not enough money in your account. Cover important checks, automatic payments, and check card purchases if your checking account is overdrawn with Courtesy Pay and Check Card Coverage. The benefits include:

  • Makes funds available when you need money for unexpected
    expenses or emergencies (travel expenses, tax payments, supplies).
  • Provides security if there is more than one card accessing the same checking account and funds have been used.
  • Eliminates embarrassment for a returned unpaid item, especially if
    it is to a valued vendor.
  • Offers convenience to make purchases when you lack sufficient funds.
  • Helps avoid additional costs due to returned items.

Courtesy Pay authorizes payment from your checking account even through it has insufficient funds. If your account qualifies, we will allow your account to go negative up to $750 in order to pay a check, an ACH transfer, or an automatic payment.

Check Card Coverage is an extension of Courtesy Pay to cover check card transactions when there are insufficient funds in your account.* If your account qualifies, we will allow your account to go negative in order to pay a transaction. The service covers ATM card use for cards that are linked to a checking account and used at a merchant as a pinned transaction; however, it does not apply to withdrawals at an ATM.

Your account must qualify for these services. Courtesy Pay and Check Card Coverage are only implemented if other sources, such as Kwik Cash, business lines of credit, or savings accounts, are not available or have been used to their limit.

There is no cost to have either of these services unless you use them.
View complete listing of charges.

 

* RCU pays overdrafts at our discretion, which means we cannot guarantee that your account will qualify for RCU to authorize and pay any type of transaction.

Services

Business Services

Checking Accounts and Services

Personal Accounts
Business Accounts
Overdraft Protection
Check Card Coverage
Check & ATM Cards

Credit Counseling

Direct Deposit & Direct Payment

Foreign Currency

Prepaid Visa Cards

Safe Deposit Boxes

Properties for Sale

Vehicles for Sale

VITA Tax Service

Volunteer Program

 

Get Overdraft
Protection

Learn more

 

 

 

For More Information

Call 1-800-341-9911

Email Member Services

Account Disclosures

View disclosures (including Truth in Savings Disclosure).

View special service fees.