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Checking Accounts

CHOOSE THE ACCOUNT TYPE THAT BEST FITS YOUR NEEDS

R-G Federal Credit Union checking accounts get the basics right with free debit card and many other benefits. Get cash, make purchases and send and receive money easily, 24 hours a day, and keep track of it all with free Online Banking and Mobiliti mobile banking app for Android and iOS. All of this convenience comes from a local credit union that believes banking should be human. Whether you use our live chat, call us on the phone or stop by a branch, you will receive real and genuine service from a real person.

Checking Account DETAILS

Cash Back Rewards Checking
Earn Cash Back Rewards for using your debit card. Manage the account on your terms with no minimum balance and no monthly service fee (even if qualifications are not met).

  • Cash Back Rewards of 3% (when qualifications met*)
  • Up to $12/month in foreign ATM fees refunded per month (when qualifications met)
  • Automatic savings with debit card round up the change
  • Free debit card
  • Send and receive money with Zelle®
  • Free Online/Mobile Banking
  • Free Online Bill-Pay
  • Unlimited transactions per month
  • Free Telephone Banking
  • Peace of mind with Overdraft Protection (courtesy pay) for qualified members***.

Premier Checking
A high yield checking with no minimum balance and no monthly service fee (even if qualifications are not met).

  • Higher dividend rate than our regular checking account (when qualifications met**)
  • Up to $12/month in foreign ATM fees refunded per month (when qualifications met)
  • Automatic savings with debit card round up the change
  • Free debit card
  • Send and receive money with Zelle®
  • Free Online/Mobile Banking
  • Free Online Bill-Pay
  • Unlimited transactions per month
  • Free Telephone Banking
  • Peace of mind with Overdraft Protection (courtesy pay) for qualified members***. 

Elite Checking
Earn dividends with only a small minimum balance. The monthly service fee of $6 is waived when $300 is maintained. 

  • Free debit card
  • Send and receive money with Zelle®
  • Free Online/Mobile Banking
  • Free Online Bill-Pay
  • Unlimited transactions per month
  • Free Telephone Banking

Stealth Plus Checking
A Really Great basic checking account where you can avoid a $3 monthly maintenance fee when you maintain a monthly direct deposit.

  • Free debit card
  • Send and receive money with Zelle®
  • Free Online/Mobile Banking
  • Free Online Bill-Pay
  • Unlimited transactions per month
  • Free Telephone Banking

Open Your R-G Federal Credit Union Checking Account Today!

Not a Member Yet?

JOIN TODAY AND APPLY ONLINE  FIND A BRANCH

Already a Member?

APPLY ONLINE
 

The USA Patriot Act requires a driver's license (or other government issued picture ID/Passport) to open an account.

Who Can Open an R-G Federal Credit Union Checking Account?

As a credit union, R-G products and services are available to qualifying members. You don’t have to be a member to apply for a checking account, but you will need to qualify for membership as part of the application process. Becoming a member of R-G is easy, as membership is open to persons who live, work, worship, or attend school located in the Missouri counties of Bates, Benton, Cass, Cedar, Henry, Hickory, Jackson, Johnson, Morgan, Pettis, St. Clair, and Vernon. If you are not sure if you meet the membership requirement, contact us and a real person will be happy to help.

More R-G Checking Account Benefits

Send and Receive Money from Your Checking Account for Free with Zelle® 

Zelle® is a fast, safe, and easy way to send money directly between almost any bank account in the U.S., typically within minutes. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank. Zelle® is available right from R-G’s online and mobile banking so you don’t need to download anything new to start sending and receiving money!

Convenient ATM Access 

All R-G checking accounts offer free unlimited withdrawals at any RGFCU owned ATM, which is a convenient option to get cash, transfer funds and make cash or check deposits. Thanks to our partnership with CommunityAmerica Credit Union, you’ll also enjoy fee-free access at any CommunityAmerica Credit Union ATM in the KC metro area.

Your R-G FCU Visa debit card (when used with your PIN number) can also be used for cash back at many businesses such as grocery stores, gas stations, and pharmacies. Limits on the amount of cash back are usually set by individual merchants.

R-G Checking Account Support

  • To access Telephone Banking, please call 800-323-5654.
  • To reorder checks, click here.
  • Click here for additional fee information. 
  • Easily switch your accounts to R-G using our Switch Kit!
  

*Cash Back Rewards checking qualifications include monthly direct deposit, e-statement enrollment, and 15 settled debit point of sale transactions per month. 

**Premier Checking qualifications include monthly direct deposit, e-statement enrollment, and 15 settled debit point of sale transactions per month at least $5 or more.

***Courtsey pay qualifications include over 18 years of age, direct deposit of $500 or more/month, and established account status.

Carrier message and data rates may apply. 

Real & Genuine