Checking & Savings Accounts

Relationship Checking

Earn CashBack plus the most perks we could fit into a checking account! This full-featured account is our way of thanking you for your relationship with Redstone.

Benefits

  • CashBack starting on fifth debit card purchase
  • $250 Extra Credit line of credit with an overdraft protection feature
  • Free standard checks
  • Free money orders and traveler's checks
  • Free Popmoney standard transfers
  • Select debit cards

Extra Checking

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

Benefits

  • CashBack starting on ninth debit card purchase
  • $100 Extra Credit line of credit with an overdraft protection feature
  • Select debit cards
  • Free Popmoney standard transfers

Easy Checking

Enjoy the convenience of Redstone checking with all the basic features you expect. You don't even need cash to open this account.

Benefits

  • $0 initial deposit
  • Online banking and bill pay
  • Over 70,000 surcharge-free ATMs world wide

Connect Checking

If you're 13 to 18 years old, stay connected to your money 24/7 with the latest features available. There's no minimum cash requirement to open this account and no minimum balance to maintain.

Benefits

  • Select debit cards
  • Free mobile banking app with check deposit
  • Free Popmoney standard transfers

Gateway Checking

Rebuild your financial life. If you need a second chance, it only takes $50 to open a new checking account.

Benefits

  • Select debit cards
  • Online banking and bill pay
  • Redstone Discounts and Rewards

Regular Savings

Best For

All RFCU members. This is Redstone's basic savings account requiring only $5 to open and maintain your membership.

Benefits

  • Competitive dividend rates
  • Dividends computed daily and paid quarterly
  • Accounts are insured up to $250,000

"You Name It" Savings

Best For

Members who want to set aside money for a special goal - match the name of the account to the goal.

Benefits

  • Various contribution methods
  • Personalize it for your convenience
  • Limited access to keep your goal on track

STAR Club

Best For

Members 12 years old and younger looking for a great place to learn the value of saving.

Benefits

  • Cool promotions throughout the year
  • Coin machines at RFCU branches are FREE!
  • Saving made FUN!

IRAs

Best For

Members wanting a no-risk Individual Retirement Account with tax benefits.

Benefits

  • Taxed advantaged investments
  • No maintenance fees
  • Level of contribution & restrictions may apply

Share Certificates

Best For

Members looking for a higher dividend than a regular savings account.

Benefits

  • Higher dividend rate
  • $1,000 minimum
  • 6 month to 5 year terms

Christmas Club

Best For

Members wanting to save for the holidays.

Benefits

  • Various contribution methods
  • Funds are automatically transfered in November
  • Earn dividends, even with a low balance

Money Market Accounts

Best For

Members looking for higher dividends and limited check writing all in one account.

Benefits

  • Tiered dividend rates with increased balance
  • Six no-fee withdrawals per calendar month
  • $2,000 minimum to open and be paid dividends

Some restrictions may apply.

Minimum opening deposits, average monthly balances, and monthly checking maintenance fees apply to these checking accounts:
Relationship Checking accounts – $500 minimum initial deposit required to open checking account; $8 monthly checking maintenance fee waived with one Direct Deposit credited to the account per month or an average monthly balance of $500.
Extra Checking accounts – $100 minimum initial deposit required to open checking account; $5 monthly checking maintenance fee waived with one Direct Deposit credited to the account per month or an average monthly balance of $100.
Easy Checking accounts – $3 monthly checking maintenance fee waived with one Direct Deposit credited to the account per month or four or more point of sale (POS) debit card purchases per month.
Gateway Checking accounts – $50 minimum initial deposit required to open checking account; $10 monthly checking maintenance fee applies.

With Redstone CashBack, you will receive: $.05 cash back 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 cash back 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.

Fees apply for using Popmoney and vary per checking account type. There is no fee for standard transfers with Extra, Relationship, and Connect; there is a $3 fee for next day transfers with Extra, Relationship, and Connect. There is a $3 fee for standard transfers and a $5 fee for next day transfers with Easy and Gateway. You must be at least 18 years old and have a checking account, online banking, and PIN/password to use Popmoney.

Must have PIN/password to access online banking. Must have online banking, mobile banking, and PIN/password to use Remote Deposit Capture. Standard wireless carrier text message and/or data rates and fees may apply; check with your carrier for more information. Must have online banking and PIN/password to access mobile banking and bill pay.

Members with Relationship Checking accounts will receive up to four free boxes of standard checks per year. Free checks not available with other types of checking accounts.

Members with Relationship or Extra Checking accounts will automatically receive the Extra Credit line of credit if they have had no non-sufficient funds (NSFs) during the first 90 days after the checking account opening date. RFCU is an Equal Credit Opportunity Lender.

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.

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.

MemberPlus!

Your RFCU checking account gets you discounted fees, better rates on loans, share accounts and more!

Learn More

Maximize Your CashBack

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