Checking Accounts
We have a checking account that's right for you! All accounts include check safekeeping - we store your cancelled checks in a safe place for you rather than return them to you with your monthly statement. Copies of available cancelled checks can be provided when needed.
Checking accounts offer the convenience of a FREE Master MoneyTM Debit/ATM card to qualified members.
Reorder your checks online!
Members can now reorder basic style checks by filling out our Secure Check Reorder Form. Select Reorder Checks online, fill in the form, and click Submit.
View your check images through Online Banking!
Access your Account History in Online Banking for a specified date range on your checking account. Click on the check description, and a new window opens with the front and back of the cancelled check. It's that simple! Print from this new window if desired, and close the window to be returned to Account History.
In order to view or print the check images, you must have access to Online Banking, have a browser (Internet Explorer version 6.0 or higher, Firefox 3.0, or Safari 3.0) with 128-bit encryption, and have Adobe Acrobat version 6.0 or higher.
To download a free copy of Adobe Acrobat, click here.
To apply for FREE Online Banking, click here.
Checking Account Switch Kit
Looking for a hassle free way to switch to an RFCU checking account? Follow the instructions on the RFCU Checking Account Switch Kit to help simplify the process. Select Switch Kit now to view and print this document. Adobe Acrobat required to view the Switch Kit brochure.
FREE Checking
A non-dividend bearing checking account. Designed for members who don't want to worry about maintaining a minimum balance or worry about service charges.
- FREE MasterMoney Debit** and ATM Cards
- No minimum balance
- No monthly service charges
- Unlimited check writing
- FREE direct deposit
- Overdraft protection when linked to another account
- FREE unlimited ATM access at RFCU branches
- 8 FREE ATM transactions a month at NON-RFCU ATMs if you have direct deposit of your net pay or social security check; $1 fee per transaction over 8*
- FREE Online Banking
- FREE unlimited Bill Pay
- FREE Mobile and Text Message Banking
- FREE remote deposit with DeposZip™1
- FREE eStatements
Clear and Simple Free Checking Product Guide (PDF)
* You may be assessed an additional fee or surcharge fee by the ATM owner
**You must be 18 years of age or older to apply for a MasterMoney Debit Card.
1You must be 18 years of age, have a Rockland Federal Credit Union checking account open for a minimum of 30 days, have a valid email address, and you must be enrolled in Online Banking.
Student Checking - FREE!
If you’re a busy student**, this account is right for you! It gives you access to your cash without charging you a monthly fee and you don’t have to worry about maintaining a minimum balance. We’ll even send your account statement to you by email with our free eStatement service. Free Student Checking keeps things simple, convenient and affordable!
Use free Online Banking and free Bill Pay, to check your balances and pay your bills from the location of your choice-24 hours a day! You can also check your balances by phone using Tele-Touch our toll-free audio response system.
- FREE MasterMoney Debit*** and ATM Cards
- FREE Unlimited ATM Use*
- FREE Unlimited Checkwriting
- FREE Online Banking
- FREE Bill Pay
- FREE eStatements
- FREE Mobile and Text Message Banking
- FREE remote deposit with DeposZip™1
- Up to $10.00 a month in ATM surcharge reimbursement
Open an account in your local branch, over the phone by calling 1-800-562-7328 or online by clicking on one the link below.
Clear and Simple Free Checking Product Guide (PDF)
*You may be charged an additional surcharge by the ATM owner if they are not a member of the SUM network.
**Available to registered undergraduate students ages 17-24 who are attending school at least part time. Upon member’s 24th birthday, account will convert to a Free Checking account. Members under 17 years of age must have an adult co-signer.
***Member must be 18 years of age or older to apply for a MasterMoney Debit Card.
1You must be 18 years of age, have a Rockland Federal Credit Union checking account open for a minimum of 30 days, have a valid email address, and you must be enrolled in Online Banking.
Please Note: Existing members when applying for Free Student Checking
online please choose the "FREE Checking" option.
Dividend Checking - FREE Unlimited ATM Use!*
If you're looking for a checking account that allows you to use any ATM and pays you dividends on your hard-earned money, Dividend Checking is the account for you! You'll earn our highest dividend rate on checking. Click here for our current rates.
- Pays dividends when the average monthly balance is $500 or more
- FREE MasterMoney Debit Card**
- FREE standard style checks
- FREE unlimited ATM transactions*
- FREE Online Banking
- FREE unlimited Bill Pay
- FREE Mobile and Text Message Banking
- FREE remote deposit with DeposZip™1
- FREE eStatements
- FREE unlimited check writing
- FREE American Express Travelers Cheques
- With Direct Deposit of your net pay, Social Security, or pension to your account, you'll be reimbursed up to $10.00 a month in ATM surcharges
Clear and Simple Dividend Checking Product Guide (PDF)
* Transactions: withdrawals and inquiries. You may be assessed an additional surcharge by the ATM owner if they are not a member of the SUM network.
**You must be 18 years of age or older to apply for a MasterMoney Debit card.
1You must be 18 years of age, have a Rockland Federal Credit Union checking account open for a minimum of 30 days, have a valid email address, and you must be enrolled in Online Banking.
Advantage Savings
Earn a higher rate of dividend as your savings grow. This is a statement savings account with tiered dividend rates. Click here for our current rates.
- $5.00 minimum to open account and earn dividends
- Dividends are compounded monthly and paid monthly
- ATM card available
- FREE unlimited ATM transactions at RFCU locations, $1.00 per transaction at Non-RFCU ATMs*
* You may be assessed an additional fee or surcharge fee by the ATM owner
High Yield Reward Savings
If you're an active checking account user looking for a high yield and you don't need regular access to your savings, this is the account for you! High Yield Reward Savings gives you:
- High Dividends
- Unlimited deposits-add any amount at any time
- One FREE monthly withdrawal-You can withdraw money from your account once each month for FREE (this includes outbound transfers). Every additional withdrawal during the month is subject to a $25.00 fee
- FREE eStatement delivery
- Maximum balance $100,000
- One per member
To qualify for the high yield, you must have an average daily balance of $5.00 in your High Yield Reward Savings account, receive an eStatement on this account and be an active RFCU checking account user*.
*To be considered an "active RFCU checking account user" you must meet one of the following conditions 45 days prior to the dividend period: have recurring direct deposit of $100 or more into your checking account, make three or more debit card purchases or pay three or more bills online.
Money Market Savings
Now you can enjoy the best features of both checking and savings combined! Our Money Market Savings account offers you these important advantages:
- Higher dividend rates - Different rate tiers are available based on account balance. The more money you save, the more you earn
- Dividends are compounded monthly and paid monthly
- $1,000 minimum to open an account
- No service charges - regardless of balance
- Free paper checks
- Check writing privileges - limit of 6 non-ATM transactions per month (only 3 can be a check*)
- Convenient monthly statements details your account activity
* A fee is charged for checks written in excess of three.
Christmas Club Account
A statement savings account earning a higher rate of dividends than the regular savings account.
- $5.00 minimum to open account and earn dividends
- Dividends are compounded monthly and paid monthly
- $10 fee is assessed for withdrawals made before September 30th
- A check for the account balance less $5.00 is mailed to account holders on September 30th.
Share Certificates
Share Certificate terms range from 91 days to 5 years offering a fixed rate of dividend for the term of the certificate. Click here for our current rates and terms.
- Minimum deposit to open is $500
- Dividends are paid and compounded monthly
- Prepayment penalty applies for early withdrawals
Federally insured by NCUA.