Checking

Checking designed with you in mind

We offer the kind of checking account features we’d want for ourselves. Worried about ATM fees? We offer unlimited rebates of other banks’ surcharges*.  On the hunt for a free checking account? We’ve got you covered. Can’t make it to a branch? Our mobile app's always just a tap away.

*Click here for Value NOW Checking Rates

* Annual Percentage Yield (APY) of 0.005% is accurate as of the January 2, 2019. All rates, except fixed rate certificates of deposit, are variable and subject to change without notice and may change after account opening for each variable rate account. You must maintain the minimum daily balance listed in the account disclosure, if any, to earn the advertised APY. Fees and withdrawal may reduce earnings on accounts. The minimum daily balance tiers to earn the APY stated on this rate page reflect the full tier balance ranges for each appropriate tier. APY results when interest is left on deposit to compound daily on a basis of 365/365 days. All deposits are FDIC insured to at least $250,000. SIF insures all additional deposits.

Rates current as of September 18, 2018.

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Click here for the Personal Fee Disclosure

Click here for the small print

*When you use an out-of-network ATM, we will rebate the ATM usage charge(s) assessed against your account by the ATM service provider.

1 An 18/65 checking account with special benefits is available for individuals age 18 and under or 65 and older.

2 Monthly Maintenance Fee waived if minimum daily balance is maintained.

3 Monthly Maintenance Fee waived if minimum daily balance is maintained or if you have automatic direct deposit to this account. Direct Deposit is required at least once per monthly statement cycle to avoid the monthly fee. 

4 When you use an out-of-network ATM, we will rebate the ATM usage charge(s) assessed against your account by the ATM service provider. Such a charge, referred to as a “surcharge,” will be credited to your account at the end of each monthly statement cycle. Surcharge notices are posted at ATM locations. If you close your account before the surcharge rebate is credited, you will not receive the surcharge rebate.

5 Fees may reduce the earnings on the account

 

FDIC insures up to $250,000; SIF insures additional deposits.

Free in-network means when you use an RCB or MoneyPass® ATM your transactions are FREE

Easy to use "linked protection" is available from an RCB Savings Account to cover overdrafts

Convenient All RCB Checking Accounts have FREE Online Banking & BillPay

Other banks may charge a service fee