Extra Checking®

Get CashBack with more flexible balance requirements. You only need $100 to open and enjoy this convenient and rewarding checking account.

Manage your account anytime, anywhere with online banking, online bill pay, mobile banking app, and new Popmoney transfers. Popmoney lets you send money securely from checking to just about anyone with an email or mobile number.

With Extra you also get MemberPlus! discounts on our most popular loans, higher dividend rates on some share accounts, reduced fees on safe deposit boxes and more!

Why should you open an Extra Checking account?

  • CashBack—starting on your ninth debit card purchase, get a nickel back for each purchase that month
  • $100 Extra Credit line of credit with an overdraft protection feature
  • Unlimited check writing
  • Select from multiple exclusive Redstone debit card designs
  • Free Popmoney standard transfers
  • Online Banking with bill pay
  • Free Mobile Banking app with remote check deposit
  • Card Control security settings to customize how and when your debit card can be used
  • 225 MB of My Virtual StrongBox secure online storage
  • Access to over 70,000 surcharge-free ATMs
  • Redstone MemberPlus! discounts on some loan rates, higher dividend rates on some share accounts, and discounts on some fees
  • Redstone Rewards® cash reward deals from nationwide retailers
  • Redstone Discounts!® savings at the cash register
  • Visa® Discounts on your debit card purchases at select retailers
  • $100 minimum initial deposit required to open checking account
  • No fee with Direct Deposit or $100 average monthly balance; otherwise, $5

Need to reorder checks?
Order them inside Online Banking under Additional Services ➤ Check Reorder.


Must be eligible for membership and open a share savings account in order to open a checking account. A $5 minimum balance is required to open and be maintained in share account. Must not have caused RFCU® a loss in order to be eligible to open a checking account. Minimum opening deposits, average monthly balances, and monthly checking maintenance fees apply to the checking accounts. The deposit and balance amounts and the checking maintenance fees vary per checking account type. Age and other restrictions may also apply.

Must have an active RFCU checking account to participate in Redstone MemberPlus! MemberPlus! discount not available for all loan products.

With Redstone CashBack, you will receive: $.05 CashBack for every Point of Sale (POS) debit card transaction you complete after the first eight POS transactions per month from an Extra Checking account; or $.05 CashBack for every POS debit card transaction you complete after the first four POS transactions per month from a Relationship Checking account. Only active Extra and Relationship Checking accounts in good standing will receive Redstone CashBack rewards. Rewards will only be given for debit card POS purchases after the four or eight per month threshold is met and will not be given for the first four purchases per month for Relationship Checking accounts or the first eight purchases per month for Extra Checking accounts. Rewards will not be given for ATM, cash advance, or balance inquiry transactions.

You must be at least 18 years old and have a checking account, online banking, and PIN/password to use Popmoney. There is no fee for standard transfers; there is a $3 fee for next day transfers.

Must have online banking username and PIN/password to access online banking, mobile banking, bill pay, and My Virtual StrongBox. Must have online banking, mobile banking, and PIN/password to use Remote Deposit Capture. Remote Deposit Capture will be available 90 days after account opening if account is in good standing. Additional qualification times apply for members with Gateway Checking® accounts. Standard wireless carrier text message and/or data rates and fees may apply; check with your carrier for more information. 

Members with Relationship or Extra checking accounts will automatically receive the Extra Credit Line of Credit of $250 for Relationship checking or $100 for Extra checking if they have had no non-sufficient funds (NSFs) during the first 90 days after the checking account opening date, have not opted out of the Extra Credit Line of Credit, and the Credit Union has received the signed Credit Agreement within 30 days of opening or upgrading the checking account. Must be RFCU member to obtain a loan. Loans subject to credit approval. RFCU is an Equal Credit Opportunity Lender. Other restrictions may apply.

Fees apply if new select card design is requested for Liberty, Privilege, or Mpower® Checking accounts.

Fees may apply for viewing account balance at some AllPoint ATM locations. There are no surcharges for withdrawing funds from AllPoint ATM locations. Fees for use of foreign or non-proprietary ATMs may apply.

You must have online banking and PIN/Password to participate in Redstone Rewards. You must have a RFCU Visa debit or credit card to participate in Redstone Discounts! and Visa Discounts. Restrictions may apply. Rewards and discounts are provided by participating merchants. RFCU does not warrant, guarantee, or insure any product, purchase, or service offered by participating merchants. RFCU and participating merchants are separate entities.

Card Control: Must have compatible mobile device to use service.  Certain functions of the service may not be available for all transactions or at all times.  Controls and alerts based on the location of mobile device or location of merchant may not apply appropriately in some transactions and in some card-not-present transactions.

Open a Checking Account Today

Ready to become a member and apply for a checking account?

Apply Now

Already a member of Redstone Federal Credit Union?

Apply In Online Banking

You can also visit one of our branches.

Debit Card Designs

Flowers Westies Beach Carbon Duck Football Galaxy Golf Kitten Madison Academy Free 2 Teach Union Chapel Academy Freedom

Select a debit card that fits your style! Pick from these exclusive Redstone card designs.

See all designs

See Frequently Asked Questions about EMV debit cards.

Card Control

Need Help Choosing a Checking Account?

Check out our handy eBook to learn more about choosing the right checking account for you.

Get the Guide

Maximize Your CashBack

Find out how to earn more CashBack on your everyday purchases with these six quick tips.


Open a checking account and you can start enjoying MemberPlus! benefits like lower rates on loans, higher rates on share accounts and discounted fees. Take a look at the benefits of our checking accounts today!

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Center at 800-234-1234
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Saturday: 8 am – 5 pm