Get fast and easy ATM access and the power to make purchases anywhere Visa is accepted. It looks like a credit card, but the amount of your purchase comes right out of your RCU Checking Account. Your RCU Check Card is not a credit card, so you don't pay finance charges.

There are two ways to make purchases:

Debit— Enter your PIN and the purchase is deducted immediately from your account. You can also choose to receive cash back.

Credit—Select credit and the transaction will be processed just like a check. It may take 2-3 days to clear your account.

With a savings, Minimum Balance Checking, Checking Plus, or Checking Plus Interest account:

Your RCU Check Card is FREE.

Withdrawals at RCU ATMs are FREE.

Your first six withdrawals at non-RCU ATMs or POS terminals (whenever a PIN is entered) each month are FREE. A transaction fee of $.50 will be charged for each additional withdrawal.

ATM withdrawals and point-of-sale (POS) withdrawals at networks other than Pulse, Co-op, and MoneyPass will incur a $1.50 charge per withdrawal in addition to the non-RCU ATM withdrawal charge.*

With a Free Checking account:

There is a $1 per month charge for your RCU Check Card.

Withdrawals at RCU ATMs are FREE.

A transaction fee of $.50 will be charged for each withdrawal at non-RCU ATMs or POS terminals (whenever a PIN is entered).

ATM withdrawals and point-of-sale (POS) withdrawals at networks other than Pulse, Co-op, and MoneyPass will incur a $1.50 charge per withdrawal in addition to the non-RCU ATM withdrawal charge.*

View RCU Checking Account options.

Use It to Get Cash

You can use your RCU Check Card to get cash at an ATM. You can even check your balance, make deposits, and transfer money. Receive surcharge-free transactions at all RCU ATMs, ATMs displaying the Alliance One logo, and ATMs that are part of the Co-op or MoneyPass Financial Services ATM networks. If you can't find an Alliance One ATM, look for a PULSE ATM. You may have to pay the surcharge from the financial institution, but you will avoid any non-network fees.* You can also make a deposit at any PULSE, Co-op, or MoneyPass Network if it is a depository ATM.**
Find a RCU free ATM near you.
Find a Alliance One ATM near you.
Find a MoneyPass ATM near you.
Find a Co-op Network ATM near you.
Find a Pulse ATM near you.

Peace of Mind

An RCU Check Card is more secure than cash or checks because the money passes through fewer hands and is transferred electronically. Your card is also monitored to prevent fraud, and your online purchases may be protected with Verified by Visa.

Verified by Visa— Visa offers online protection of your RCU Check Card. The first time you use your card through the Visa network for a purchase over the Internet at a participating merchant, you will be prompted to create a unique password. This password will help verify your identity during future Internet purchases at participating vendors.
View more information from Visa or register.

Apply for an RCU Check Card.

You must be a Member of RCU to complete this application. Join RCU.

* You get six free non-RCU ATM withdrawals per month. $.50 will be charged for each additional withdrawal. With RCU FREE Checking, $.50 will be charged for each ATM withdrawal. RCU imposes a $1.50 charge for ATM Withdrawals outside the PULSE, Co-op, or MoneyPass Networks.

** This is applicable only if the ATM owner accepts non-customer deposits.

*** RCU is not responsible for the accuracy of the ATM information found on ATM locator websites.