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RFCU Checking Account Options and Important Information

Our checking products are designed to allow members to choose which option best fits their needs.

Both Simple Rewards Checking and Electronic Rewards Checking offer:

  • No Minimum Balance
  • Unlimited Transactions
  • Overdraft from Share Savings(1)
  • Prewards®

In addition, members who choose Electronic Rewards Checking will receive:

  • Free Visa® Debit Card with Rewards(2)
  • Free Electronic Statements
  • Free Online Account Access(3)
  • Free Mobile App
  • Free Online Check Images(4)
  • Free first order of checks with direct deposit into checking account
  • Free Online Bill Pay(5)
  • ATM Fee Rebates of up to $5.00 per month(6)
  • New Loan Discounts of .25%(7)

The Following Conditions Apply to RFCU Checking Accounts:

(1) Up to a limit of six times per month. See rate and fee schedule for subsequent transfers.
(2) See below for Prewards
(3) Not Available with Simple Rewards Checking
(4) Not Available with Simple Rewards Checking

 (5) No Charge if one of the following is met: Current Loan with RFCU, Active RFCU Credit Card; Three Bill Pay Transactions per month. Otherwise, $4.20 per month.
(6) For RFCU Out-of-Network fees only.  
(7) Must have an active debit card to receive discount.

Courtesy Pay

At Resources, we understand that oversights may happen occasionally on checking accounts. In an effort to assist in minimizing the effects from these oversights, we offer Courtesy Pay to all checking account holders at Resources FCU that cover certain types of transactions.  For more information or to opt-in to cover all types of transactions, please click on the link below.  

Courtesy Pay Application

Fresh Start Checking

Benefits & Features:  
  • Free VISA Debit Card
  • Free online banking
  • Free e-statements
  • Free check images
  • No minimum balance required
  • Unlimited check writing privileges


  • $50 minimum opening deposit
  • Minimum direct deposit - $150 per month
  • $10 monthly maintenance fee
  • Limit 1 NSF fee before account closure ($30 NSF fee)
  • Checks, other than approved payroll checks, will be deposited into savings account with a 7 business day hold

After account has been held for 1 year and requirements have been met, review for conversion to a Free e-Checking Account can be requested by member. Resources FCU reserves the right to deny or close a Fresh Start Checking Account at anytime based on credit union guidelines.

myPrewards When it comes to new programs for members, RFCU is truly an innovator. RFCU is among the early adopters for a program called Prewards®, powered by edo Interactive. Through Prewards®, RFCU members can enjoy special offers and savings from favorite merchants. When you sign up to participate, you will receive discount offers from merchants via email, the web, or text messages, according to your preference. There are NO coupons to clip or codes to remember – simply use your debit card to make the purchase and you will realize the savings instantly! To enroll, visit: https://reso.myprewards.com. You will then begin receiving email alerts or text messages with special offers from your favorite merchants. Use your RFCU debit card to make your purchase and watch the savings add up!

A sampling of participating merchants include: Whole Foods, Target, Sears, Burger King, PetsMart, Office Max, Payless, Best Buy, Macy’s, Barnes & Noble, Advance Auto Parts, Subway, and MORE!

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This credit union is federally insured by the National Credit Union Administration.
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