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
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- Overdraft from Share Savings(1)
- Prewards®
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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 Online Check Images(4)
- Free first order of checks with direct deposit into checking account
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- Free Online Bill Pay(5)
- ATM Fee Rebates of up to $5.00 per month(6)
- New Loan Discounts of .25%(7)
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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 ScoreCard® Rewards.
(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
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- Free VISA Debit Card
- Free online banking
- Free e-statements
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- Free check images
- No minimum balance required
- Unlimited check writing privileges
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Requirements: |
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- $50 minimum opening deposit
- Minimum direct deposit - $150 per month
- $10 monthly maintenance fee
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- 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
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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. |
ScoreCard® Rewards Program
RFCU is pleased to offer this valuable program to its members with Electronic Rewards
Checking, giving you points for each purchase you make with your Visa® Debit card and
RFCU Visa® Platinum with Rewards Card*. These points can be redeemed for valuable
merchandise. No annual fee, no transaction thresholds required!
- Points for every purchase*.
- Reward points do not expire; build points over time for a special redemption.
- Redemption values begin as low as 700 points.
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NOTE: Debit card points can be combined with credit card reward points for more point advantages.
Simply “household” your RFCU debit and credit card at www.scorecardrewards.com and watch your points grow! |
*(1)*Members receive 1 point for every $1 purchased using an RFCU Visa® Platinum w/Rewards credit card and 1 point for every $2 purchased using their RFCU debit card. Purchases that earn points are net purchases (sales minus returns). In order to earn points on purchases, you must select the “credit” option and sign for your purchase. Scorecard rewards and / or bonus points do not apply to: Cash advances, pin-based debit purchases, or ATM withdrawals. Visit scorecardrewards.com for all program details, prizes & points values.
| Visa® Credit Cards: RFCU offers great credit card choices, too. Visa® Classic, Platinum and Platinum with Rewards are available. And, remember, if you opt for the Platinum with Rewards card, those points can be combined with your Visa® Debit card for even faster points accumulation. For an application, simply stop in or call us at (804) 281-6341 |
 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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