Checking Accounts for all of your needs

Instant Issue Debit Cards | Automated Savings | Security

Checking Accounts for all of your needs

Instant Issue Debit Cards | Automated Savings | Security


At Redstone, we want you to find the best checking account for your needs. That’s why each account is stacked with useful tools to access your cash and manage your money—anytime, anywhere. You can easily manage your checking account online—transfer funds with a few clicks, make deposits while on the go, and even customize your debit card settings to control how and when it’s used.

Plus, when you get paid using direct deposit at Redstone, you could get your money up to two business days sooner to do or buy the things you want, sooner. Early pay is free and happens automatically, but only with direct deposit. Enroll in direct deposit through your employer, or when you complete and return this form to your employer.

And with top-notch member service and enhanced account security, you’ll have everything you need to make the most of your money. Visit a branch or open a checking account online today!

Which checking account is right for you?

Take a moment to think about how you like to bank and select the account that best fits your life and budget.

Rewards Checking

Our premier account includes all the perks: MyChoice Rewards, free checks and money orders, and much more!

Safeguard Checking

Designed for those who want to make sure that unexpected events won’t generate extra fees.

Easy Checking

Simple, straightforward checking with low or no monthly maintenance fee.

Rewards Checking

Premier account with all the perks like earning points with MyChoice Rewards.

Open Account

Safeguard Checking

Account with protection from spending more than your available balance.

Open Account

Easy Checking

Simple, straightforward checking account with our lowest fees.

Open Account


Earn 9 points for every swipe redeemable for cash back, travel, gift cards, or charity

Free Checks

Free Money Orders

Free Official Checks

Monthly Maintenance Fee

No monthly maintenance fee for members 24 and younger.

No monthly maintenance fee with direct deposit or four debit card transactions per month; otherwise, $8 per month

Monthly maintenance fee $8 with eStatements or $10 with paper statement

No monthly maintenance fee with direct deposit or four debit card transactions per month; otherwise, $3 per month

Redstone Round Up
Save More with Automated Savings

Saving your pennies just got easier with Redstone’s new automated savings program. Redstone Round Up will round up your debit card purchases to the nearest dollar and automatically deposits the difference into your Brighter Day Savings account.

How do I sign up? To enroll your checking account in Redstone Round Up easily in online banking, click Additional Services, and select the Round Up link. You can also enroll in branch, or by calling Redstone to opt in to this program.

Enroll Today

Every Redstone checking account includes all of these features:

Redstone Debit Card

More than 70,000 surcharge-free ATMs all over the US

Card Control security settings to customize how and when your debit card can be used 

Affinity Debit Cards let you earn CashBack for participating schools or organizations

Convenience and Security

Online Banking with bill pay

Mobile Banking app with remote check deposit

Enroll in eStatements

Set account alerts for balances, transactions, and deposits

Discounts and Rewards

Visa® Discounts on debit card purchases

Redstone Discounts!® savings at the register when you use your debit card

Can't Decide? A Redstone Team Member Can Help You Get Started.

Must be eligible for membership and open a share savings account to join RFCU, open any account, or obtain any service. A $5 minimum balance is required to open a share savings account and must be maintained in the account at all times. Fees and other restrictions may also apply.

Minimum opening deposit for all checking accounts is $25.Monthly maintenance fee for Easy Checking is $3 per month and Rewards is $8 per month but either fee can be waived with at least one direct deposit credited to checking account per month or 4 debit card Point-of-Sale (POS) transactions per month. Monthly maintenance fee for Safeguard checking is $8 with eStatements or $10 with paper statements. Must have RFCU checking account to obtain an affinity card. Age and other restrictions may also apply.

Online banking and mobile banking: Must have online banking username and PIN/password to: access online banking service, to open an account online, use mobile banking, use bill pay, set up alerts, use card controls, access eStatements, and to use the other associated services. Access to bill pay may be restricted for up to 14 days from online banking registration for new users. Restrictions apply.

Standard wireless carrier text message, data, and/or internet service provider rates/fees may apply for some services. Check with your service provider for more information about these fees/rates.

Instant issue cards: May be given to primary checking account owner or a joint account owner with a valid ID. If the joint owner is the parent/legal guardian, they may obtain an instant issue card for a primary owner that is under the age of 18.

Card security (card control): Available for members with a checking account, debit card, and mobile banking. 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.

Automated Savings (Redstone Round Up): Must have checking account with debit card and Brighter Day Savings account to enroll in Redstone Round Up. Contact us for more information. Restrictions may apply.

ATMs: Fees may apply for viewing account balances at some ATM locations. There are no surcharges for withdrawing funds from in-network ATM locations. Fees for use of foreign or non-proprietary ATMs may apply.
Redstone Discounts! & Visa Discounts: You must have a RFCU Visa debit or credit card to participate in Redstone Discounts! and Visa Discounts. Restrictions may apply. 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.

1Potential savings are examples, do not reflect your actual savings, and are not guaranteed. Your savings will vary and will be based on the actual number of purchases and the purchase amounts made using your debit card.

Insured by NCUA