Online Banking

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Personal Accounts
Business Accounts

Online banking may be unavailable due to routine maintenance on Saturday, Feb. 6, from 11:30 pm to 3:30 am Sunday, Feb. 7.


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Routing Number: 291880411

Careers Contact Us   1-800-341-9911

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Apply for a Loan

Open an Account


Ready to open a
Business Account?

Use this helpful worksheet to get everything in order. Then call us to set-up an appointment with a Business Services Representative.

Download worksheet.

Call 1-800-341-9911
ext. 3040 to get started.


Royal Advantage Plus

Dividend Rate: 0.23%

APY: 0.23%

APY=Annual Percentage Yield
Rates current as of 2016-02-07
Last changed on 2015-12-18
The above rates are subject to change at any time without notice. Fees could reduce the earnings on the account.



Looking for some helpful information for starting a business?

Visit the IRS website.

Visit the State of
Wisconsin website.

Visit the State of
Minnesota website.

Visit the Small Business Administration website.

Need help deciding what form of business entity to establish?

Visit the IRS website.

Visit the State of
Wisconsin website.

Visit the State of
Minnesota website.

Want to establish an Employer Identification Number (EIN)?

Learn more on the IRS



For all the reasons that borrowing becomes necessary, RCU is here to see you through.

We offer:

Rental Property Loan
Commercial Property Loan
Purchase of a Building Loan
Construction Loan
Expansion/Remodeling Loan
Line of Credit
SBA Loan
Equipment Loan
Vehicle Loan

Learn more.



Getting to know your business is important to us. Because the more we understand your business, the better we can customize RCU services to fit your needs. We have a team of local business professionals ready to help you make informed business decisions. To us, it’s about more than just improving your business; it’s about improving your life.

Checking Accounts

RCU has two checking options for your business:

Royal Advantage—Non-Interest bearing

  • No Minimum Balance

Royal Advantage Plus—Interest bearing checking account with minimum balance requirement

  • $3,000 Minimum Balance ($10 per month if it falls below)

eDeposit (Remote Deposit Capture)

Enjoy the convenience of depositing checks at your office.

Apply for business eDeposit online.
Email RCU eDeposit services.

Additional Checking Services

We make it as easy and efficient as it can be so you can spend more time running your business:

RCU Business Check Card—Take advantage of this convenient way to make purchases and have ATM access. This card has no annual fee and is accepted everywhere Visa cards are welcome.

Online Account Access—Get instant access to account information and pay bills with business online banking. We have increased security to protect your business and multiple user capabilities so you can give others various levels of permission to perform transactions or do account inquiries on business online banking.

Telephone Account Access—Access your account and perform transactions with one simple phone call.

Learn more about business checking charges.
Use the Checkbook Balance Calculator.

Credit Cards

Manage your expenses with an RCU Commercial Rewards Visa. It allows you to handle business expenses separately and set individual spending limits for each employee cardholder. All spending generates Rewards Points that can be used to cover travel expenses, purchase merchandise, and more.

Learn more about the RCU Commercial Rewards Visa.

Automated Clearing House (ACH) Service

RCU's ACH Service is an easy and efficient way to electronically deposit employee payroll as well as collect customer bill payments and donations. ACH will save your business time and money by minimizing manual check and remittance processing as well as improving overall cash flow. Benefits include:

  • Easy and convenient for employees, customers, and donors
  • Increases business efficiency and accuracy
  • Fast and safe method for sending/receiving funds

Apply for ACH origination online.

Merchant Payment Processing

RCU wants to help your business succeed in every way possible.That is why we're proud to partner with Wind River Financial, a Wisconsin-based, family-owned payment acceptance and processing company. However you accept payments— in-store, online, by phone, by mail, or in the field — Wind River provides everything you need to easily accept credit cards and electronic payments from your customers.

Point of Sale Systems — including terminals, wireless and mobile options, and virtual terminals

Online and E-commerce Solutions — including solutions for recurring payments

Mobile Payment Acceptance and Processing — including Smartphone and tablet application

Multiple Payment Methods — including credit/debit, ACH, gift cards, electronic billing

Data Security Measures — to comply with PCI-DSS standards and protect your customers' data and your company’s reputation



View 5 questions you should ask of any processor competing for your business.
Email RCU Payment Processing to get started today.

Wind River Financial provides:

  • Local expertise
  • State-of-the-art technology
  • Assigned Relationship Managers
  • Fair, transparent, and sustainable pricing
  • At-will agreements – no contracts!
  • Industry information you can use

Learn about Wind River’s After the Handshake Service Promise.


Manage your accounts online with business online banking.
Get started now!


  • Transfer funds electronically between accounts at RCU
  • Balance your accounts with an electronic register: adding, editing or deleting transactions and categorizing transactions for reporting
  • View check images for prior three months
  • View up to three years of statements
  • Add, Delete or Rename accounts
  • Make RCU Credit Card Payments online


  • Account Reconciliation through: Quicken, QuickBooks, or Money Compatible
  • eStatements in pdf format

Manage Accounts

  • Business designates administrator to manage accounts
  • Administrator sets up sub-users
  • Administrator determines sub-users entitlement levels and accounts to view
  • Organize and filter accounts by company subsidiaries/entities

Bill Pay

  • Electronic Payments—Create greater efficiency with faster bill receiving and clearing, a reduction of paper usage, and increased security
  • Email Payments—Pay another person electronically
  • Account Transfers—transfer money from your account at another financial institution to your RCU account OR transfer money from your RCU account to your account at another financial institution
  • Payroll Features—Manage business payroll, pay employees directly to their account at RCU or at another financial institution
  • Tax Payments—Make tax payments without using an office

Email business online banking 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



Learn more


Account Disclosures

View disclosures (including Truth in Savings Disclosure).

View special service fees.

For More Information

Call 1-800-341-9911 ext. 3040

Email RCU Business