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Checking Accounts

Manage your money the smart way with a checking account that's right for you

Call us at 800-341-9911 or visit an office


check with pen and light bulb

Smart Checking

A checking account with no minimum balance

check with pen and light bulb with plus sign

Smart Checking Plus

Earn dividends when you keep a balance in your account

check with pen and smiling face

Smart Start Checking

Checking with extra perks for young adults

dollar bill icon

Money Market

Earn higher dividends with a money market account

Save and Spend icoon

Save & Spend Duo

Get more perks when you bundle Duo Checking and Duo Savings accounts!



Compare Checking Accounts

 

Smart Start Checking
13-25 Years Old
Minimum Balance Requirement
Red X Mark
Earns Dividends
Red X Mark
Monthly Fee
Blue Checkmark
Free Debit Card
Blue Checkmark
Debit Roundup To Savings
Red X Mark
40 Free Checks For New Accounts
Blue Checkmark
Free Electronic Statements
Blue Checkmark
Free Unlimited Check Writing
Blue Checkmark
Free Real-Time Alerts
Blue Checkmark
Free Online Banking & Bill Pay
Blue Checkmark
Access To 40,000+ Surcharge-Free ATMs
Blue Checkmark


Smart Checking
Ages 13+
Minimum Balance Requirement
Red X Mark
Earns Dividends
Red X Mark
Monthly Fee
Blue Checkmark
Free Debit Card
Blue Checkmark
Debit Roundup To Savings
Red X Mark
40 Free Checks For New Accounts
Blue Checkmark
Free Electronic Statements
Blue Checkmark
Free Unlimited Check Writing
Blue Checkmark
Free Real-Time Alerts
Blue Checkmark
Free Online Banking & Bill Pay
Blue Checkmark
Access To 40,000+ Surcharge-Free ATMs
Blue Checkmark


Smart Checking Plus
Ages 13+
Minimum Balance Requirement
$700 min balance to avoid $10 monthly charge
Earns Dividends
Blue Checkmark
Monthly Fee
No, if balance is met
Free Debit Card
Blue Checkmark
Debit Roundup To Savings
Red X Mark
40 Free Checks For New Accounts
Blue Checkmark
Free Electronic Statements
Blue Checkmark
Free Unlimited Check Writing
Blue Checkmark
Free Real-Time Alerts
Blue Checkmark
Free Online Banking & Bill Pay
Blue Checkmark
Access To 40,000+ Surcharge-Free ATMs
Blue Checkmark


Save & Spend Duo
Ages 13+
Minimum Balance Requirement
Red X Mark
Earns Dividends
Red X Mark
Monthly Fee
No, if requirements are met
Free Debit Card
Blue Checkmark
Debit Roundup To Savings
Blue Checkmark
40 Free Checks For New Accounts
Blue Checkmark
Free Electronic Statements
Blue Checkmark
Free Unlimited Check Writing
Blue Checkmark
Free Real-Time Alerts
Blue Checkmark
Free Online Banking & Bill Pay
Blue Checkmark
Access To 40,000+ Surcharge-Free ATMs
Blue Checkmark




RCU Members using a debit card in a store



Couple on a bridge

Our Checking Accounts Put You In Control

Get easy ways to move money, an integrated spending and budget tracker, an awesome mobile app, and much more

Online Banking

All your account information at your fingertips

Checking Resources

Commonly used checking account forms and documents

Contact Us

Have a question or need help?We're here for you!