| Free Checking | Direct Access Checking | Premium Checking | 50 Plus Checking | Student Benefits | |
|---|---|---|---|---|---|
| Apply Online | Apply Online | Apply Online | Apply Online | Apply Online | |
| A free account for everyone! | Earns dividends with the convenience of direct deposit or any automatic payment. | An account for those who want higher dividends. | A perfect account for those age 50 and better. | Free Checking with added benefits for actively enrolled undergraduate students. | |
| Earns Competitive Dividends | Yes | Yes1 | Yes | No | No |
| Monthly Fee | None | None | $6/month if average daily balance falls below $1,500 | None | None |
| Minimum to Open | $50 | $50 | $50 | $50 | $50 |
| Free Checks | First order is free | First order is free | Yes | First order is free | First order is free |
| Free Foreign ATM Use2 | No, $1 fee for use of non-RFCU ATM. RFCU is a SUM Program member. | 8 free foreign ATM visits monthly, with up to $10 monthly surcharge refund award4. RFCU is a SUM Program member. | Yes, with up to $10 monthly surcharge refund award3. RFCU is a SUM Program member. | Yes, with up to $10 monthly surcharge refund award3. RFCU is a SUM Program member. | Yes, with up to $10 monthly surcharge refund award3. RFCU is a SUM Program member. |
| Free Mobile Banking7 | Yes | Yes | Yes | Yes | Yes |
| Free Mobile Check Deposit5 | Yes | Yes | Yes | Yes | Yes |
| Free Online Banking & Bill Pay | Yes | Yes | Yes | Yes | Yes |
| Free eStatements | Yes | Yes | Yes | Yes | Yes |
| Free ATM/Debit Card6 | Yes | Yes | Yes | Yes | Yes |
1 Dividends will be earned for months during which direct deposit is credited or an automatic payment is made.
2 RFCU will not impose a fee for the use of a non-RFCU ATM. ATM owners may impose a fee.
3 ATM owner’s fees will be rebated up to $10 per month.
4 $1 fee per foreign ATM transaction over 8. ATM owner’s fees will be rebated up to $10 per month.
5 Applicants must be at least 18 years of age, enrolled in Online Banking, and have an RFCU checking account that has been open for a minimum of 30 days.
6 Applicant must be at least 18 years of age to be eligible for a MasterMoney Debit Card.
7 Mobile banking is offered as a free service. You may incur and are responsible for any charges assessed by your mobile carrier. Message and data rates apply.