Gateway Checking

Rebuild your financial life with Gateway Checking®. If you need a second chance to get your finances in order, it only takes $50 to open and a $10 monthly maintenance fee to retain this new checking account.

Gateway Checking gives you access to all of the modern features you need to stay on top of your money—online banking with bill pay, mobile banking app with remote check deposit, and new Popmoney transfers. Popmoney lets you send money securely from checking to just about anyone with an email or mobile number.

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

Why should you open a Gateway Checking account?


  • You have been denied for a traditional checking account in the past and deserve a second chance to responsibly manage your finances
  • Select from 10 exclusive Redstone debit card designs
  • Online Banking with free bill pay
  • Free Mobile Banking app with remote check deposit
  • Free Popmoney standard transfers
  • Unlimited check writing
  • 125 MB of My Virtual StrongBox secure online storage 
  • Access to over 70,000 surcharge-free ATMs
  • Redstone MemberPlus! discounted rates and fees plus higher rates on some share accounts
  • 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
  • $10 monthly maintenance fee

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


Must be eligible for membership to open a share savings account. Must be a member and have a share savings account to join RFCU® and to open a checking account. A $5 minimum balance is required to open and be maintained in share savings account at all times. Must not have caused RFCU a loss in order to be eligible to open a checking account. Members who have caused RFCU a loss, which remains unpaid, are not eligible to apply for the Gateway Checking account. Other monetary loss restrictions apply. 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. RFCU is an Equal Credit Opportunity Lender.

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. 

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. ATM deposits are not available for this account. 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.

Short Term Loans

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

Learn How to Manage Your Checking Account

Want to learn the basics of having a checking account and how to keep it in good standing? This short online course is just for you.

Start Learning