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Checking Accounts For All of Your Needs
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Find the Best Checking Account for Your Everyday Banking

At Redstone, we want choosing the right checking account to feel easy. Every account comes packed with convenient tools that help you access your money and manage your finances anytime, anywhere. You can transfer funds in just a few clicks, deposit checks from your phone, and even customize your debit card controls so you decide how, when, and where your card is used.

If you open your account in a branch, you can get an instant issue debit card and start using your account right away. And if you ever need a quick replacement, we can print a new card for you on the spot. You’ll also enjoy getting paid faster. When you set up direct deposit with Redstone, you could receive your paycheck up to two business days early – automatically and at no extra cost. Just enroll through your employer or complete the direct deposit form and return it to them.

And here’s a big perk for younger members: if you’re 24 or younger, there’s no monthly maintenance fee on your checking account. It’s one more way we make managing your money simple and stress free. At the end of the day, we’re here to help you find the checking account that fits your life – and make everyday banking feel effortless.

Which Checking Account is Right for You?

Rewards Checking

Best if you want to maximize perks and earn rewards from everyday spending

$25 initial deposit

$0 monthly fee

with direct deposit or at least 4 debit card purchases per month; otherwise, $8 per month

Benefits and Features:
  • Earn 5¢ with every debit card purchase 
  • Flexible CashBack+ redemption options 
  • Get free personal checks, money orders, and official checks

Safeguard Checking

Best if you want extra protection with fewer surprises in your daily banking

$25 initial deposit

$8 monthly fee

when you sign up for eStatements, otherwise $10 per month

Benefits and Features:
  • Free Money Orders
  • No NSF Fees
  • No minimum balance requirement

Easy Checking

Best if you want a simple, low-cost account without extra hoops to jump through

$25 initial deposit

$0 monthly fee

with direct deposit or at least 4 debit card purchases per month; otherwise, $3 per month

Benefits and Features:
  • Get discounts using your debit card
  • Free mobile and online banking
  • Option for affinity card to support local schools
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Personal Checking Account Features

Redstone Round Up

Save Even More with Automated Savings

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? Log into online banking, click Rewards & More, and select the Manage Round Up Savings link. You can also enroll in branch, or by calling Redstone to opt-in to this program.

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Ready to Open Your Checking Account?
 

Open in Online Banking Open in Redstone Live

Disclosures

Membership required. Click here for details. Age and other restrictions may apply.

A $25 minimum opening deposit is required to open a checking account. Monthly checking maintenance fees apply, and these fees vary per checking account type. Contact us for information about the fee amounts. Age and other restrictions apply.

Rewards Checking: CashBack+ rewards are earned for qualified transactions made with the participating card. Purchases over spending caps will earn reduced rewards. Rewards are not earned for ATM, cash advance, or balance transfer transactions. Other restrictions apply; review the terms and conditions.

Members with a Rewards Checking account will receive up to two free boxes of standard checks per year. Free checks not available with other types of checking accounts.

Safeguard Checking: If sufficient funds are not available, it is possible a transaction could be posted resulting in a negative balance; however, RFCU will not charge an Insufficient Funds Fee or Overdraft Fee.

Card Controls: Must have online banking service to access Card Controls and Alerts. Some limitations and restrictions may apply.

Redstone Round Up: Must have checking account with debit card and Brighter Day Savings account to enroll in Round Up automated savings program. The Credit Union will combine the Round Up amounts from purchases that post to your checking account each day and make a single transfer to your Brighter Day Savings Account at the end of the day. The Credit Union will not round up purchases posted on any day where, at the time of processing, the Round Up daily total would draw your Checking Account's balance below $0.01. Redstone Round Up is available for personal checking accounts only. ATM transactions are not included in the Program. Other restrictions may apply.

Redstone Discounts: Must use an RFCU debit or credit card to receive discounts, which is provided by the participating merchant and not guaranteed by RFCU.