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Checking

Checking | Overdraft Privilege | Savings | Regulation D | CDs & IRAs | Credit Cards | Investment Alternatives | Loans | Services | Share Insurance

Take advantage of a Visa Check Card with any of these products:

River City REWARD Checking

Now, you can have it all ... FREE checking and a high return on your money! It's all possible with the new River City REWARD Checking Account.

River City REWARD Checking offers no monthly fees, no minimum balance and the opportunity to earn 2.50% Annual Percentage Yield (APY)*, and nationwide ATM fee refunds up to $25 per month when simple criteria are met.**

River City REWARD Checking offers members significant rewards:

• 2.50% APY* on account balances up to $20,000. Portion of balance over $20,000 earns 0.50% APY.* 
• Nationwide ATM fee refunds up to $25 per month.**
• No monthly fees and no minimum balance.
• FREE Online Bill Pay
• FREE Online Banking

River City REWARD Checking requires three simple actions each month for maximum rewards:

• Make 15 Check Card purchases (posted and cleared).
• Receive monthly e-Statements instead of paper ones.
• Set up at least one monthly Direct Deposit.

Take advantage of this SWEET DEAL by coming into any of our convenient branches.

*Annual Percentage Yield (APY) accurate as of 4/1/11 (New rate of 2.15% APR  will be effective March 31, 2012). Rate tiers are as follows: 2.50% APY applies to balances of $.01 - $20,000 and 0.50% APY applies to balances over $20,000 as long as qualifications are met each statement cycle (effective Dec. 1, 2011). 0.05% APY applies to all balances if qualifications are not met. All balances will earn 2.50% APY to 0.50% APY as long as qualifications are met. This account is intended to function as a primary checking account with diversified usage (grocery, restaurant, gasoline, entertainment, department store) with a debit card amount of at least $5.00 per transaction. VISA Check Card transactions should be for ordinary and customary expenditures, not simply 15 de minimis transactions designed to qualify for rewards requirements.

Rates may change after the account is opened. Fees may reduce earnings. No minimum balance required. No monthly service charge. Available to personal accounts only. Other restrictions may apply.

**ATM transaction fee refunds exceeding $4.99 per transaction are not automatic and require the presentation of a receipt.


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SIMPLY FREE Checking 


It's simple and it's free. It doesn't get much better than that!

Tired of fees and minimum balance requirements? Keep it simple with a Simply Free checking account at River City FCU. Enjoy the benefits of a basic checking account with no monthly fee, no monthly minimum balances requirements, and no hassles.

 Simply Free checking comes with simply more features:

• No monthly service fee
• No minimum balance requirement
• Unlimited check writing privileges
• No per-check fees
• FREE annual box of basic checks
• Unlimited basic check reorders for members age 55+
• FREE VISA Check Card (debit card)
• Unlimited ATM transactions at RCFCU ATMs
• FREE ATM transactions through the Allpoint ATM Network
• FREE Online Financial Services (Internet Banking)
• FREE Online Bill Pay
• FREE e-Statements
• Ability to set up Overdraft Protection (with Overdraft Privilege options)
  
  
  Need help deciding which checking account is best for you? Contact a Member Service Representative at 210.225.6866 or 800.535.3322 today.

See our dividend rates

STANDARD Checking 

At River City FCU, we know your checking account is a standard part of your day-to-day finances. That's why we pack our STANDARD checking account with loads of features to make your life easier.

Raise your standards today and get these not-so-standard benefits:

• Earn monthly dividends
• A nominal $5 monthly service fee if balance falls under $1000
• FREE annual box of basic checks
• Unlimited check writing privileges
• No per-check fees
• FREE VISA Check Card (debit card)
• Unlimited ATM transactions at RCFCU ATMs
• FREE ATM transactions through the Allpoint ATM Network
• FREE Online Financial Services (Internet Banking)
• FREE Online Bill Pay
• FREE e-Statements
• Ability to set up Overdraft Protection (with Overdraft Privilege options)

Need help deciding which checking account is best for you? Contact a Member Service Representative at 210.225.6866 or 800.535.3322 today.

See our dividend rates.

Insured Money Market Account

A $2,000 minimum balance is required. If balances falls below $2,000, account earns 1% less.

Minimum withdrawal is $500. Limited to a total of six (6) transfers a month.

There are three (3) tiers designed to earn even greater dividends on your IMMA.

See our dividend rates.

Health Savings Account

A health care plan combining cost savings with flexibility. 

A Health Savings Account (HSA) gives you more flexibility and control your health care costs. That's because it empowers you to make your own health care decisions.

Use pre-tax dollars to pay for future medical expenses.

You will be able to deduct your contributions to your HSA, and the account earnings will accumulate on a tax-deferred basis. Best of all distributions from your HSA are tax-free if they are used for qualified medical expenses. 

Opening your HSA.

To open an HSA, you must select a high-deductable health plan. The major advantage of a high-deductible is lower premiums. Contributions and plan deductible limits change frequently so consult your tax professional regarding your individual circumstances.

Account balance is carried over.

Unlike contributions to a flexible spending account, the balance of your HSA at the end of the year is carried over to the next year. So you're not placed in a position of having to "use it or lose it" each year.


Call or stop in today. 

We can explain your options, answer any questions you may have and help you open your Health Savings Account. 

See our dividend rates.