Checking Accounts

  • Checking
  • Debit Card
  • Overdraft Protection

Personal Share Draft Checking Account

checkbookUnlike other financial institutions, RBCU simplifies your life by combining every checking benefit we could think of into a single account that we offer to all of our members.

This account requires an initial $25 deposit to open. You won’t find ALL of the following checking account benefits anywhere else.

Take a look and you’ll agree ... RBCU checking is BETTER THAN FREE!

Checking Features

  • ATM access at hundreds of local and national ATM machines
  • FREE Debit Card with your account
  • FREE 24/7 online account access
  • FREE Digital check images online on all personal accounts
  • FREE Bill Payment service through online account access
  • FREE unlimited check writing
  • No minimum balance required (After the initial $25 opening deposit)
  • Earn dividends on days your balance is over $500, paid at month end

Open an Account
To open a checking account, please visit your nearest branch location. For more information, call us at 612.798.7100.


RBCU Debit Card

Make the check writing hassle rbcu debit carda thing of the past!

  • 24/7 account access
  • Accepted everywhere Visa debit is accepted
  • NO monthly charges
learn more   apply for a card

SafetyLine Overdraft Protection

Peace of mind. You can have it. Avoid costly and embarrassing overdrafts with SafetyLine Overdraft Protection. With it, funds are transferred to your checking account in $100 increments (up to approved credit limit) to cover any accounting mishaps. You may choose to have the money come from one or both of the following two possible locations (in an order of your choosing):

Savings Account Transfer 

Automatically transfers money from your Share Savings Account to cover overdrafts.


A line of credit that will cover your checks up to your credit limit (determined at time of opening). There is NO annual fee and NO transaction fee for SafetyLine. This line of credit carries a 15% Annual Percentage Rate and when a payment is necessary it must be a $25 minimum, or 5% of the outstanding balance, whichever is greater.

apply online