At Rock Valley Credit Union, we offer a range of free checking account options that fit your lifestyle. Whether you’re earning rewards for making everyday purchases or getting paid two days early (yep, that’s a thing!), we have options for wherever life takes you!
RVCU Everyday Spend Checking
RVCU makes everyday spending a breeze. No matter if you’re grabbing coffee on the way to work or soaking up the sun on a beach, our Everyday Spend Account allows you to make unlimited transactions with no worry and no hassle. Enjoy:
- No minimum balance requirement
- No maintenance fees
- More than 85K fee-free ATMs nationwide
- Overdraft protection
- And more!
815 Spend
Our 815 Spend account offers all the same great benefits of our Everyday Spend account, plus it’s dividend-earning! At the end of the month, you’ll earn 3.00% Annual Percentage Yield (APY) back on every purchase with your RVCU debit card. You’ll also get up to two foreign ATM transactions fees waived per month. In order to qualify for the benefits of the 815 Spend Account, members need to meet the following requirements*:
- Make 12 or more debit card purchases each month (excludes ATM withdrawals)
- Enroll in direct deposit/remote deposit (a minimum of $500 must be directly deposited per month)
- Enroll in e-statements
Great Features
No matter what checking account you choose, you can rest assured that Rock Valley Credit Union has you covered with convenient perks, fun rewards, and easy access to your money. The Everyday Spend and 815 Spend checking accounts both offer these great benefits:
ROCK REWARDS DEBIT CARD:
When you open a checking account with Rock Valley credit Union, you’ll be issued a Visa debit card and automatically enrolled in our FREE Rock Rewards program. Earn 1 reward point for every $3 you spend and redeem for travel, gift cards, or even cash! **
DIRECT DEPOSIT + EARLY PAY:
Don’t waste time driving across town to deposit your checks! Sign up for direct deposit and your paychecks will be automatically deposited into your checking account. Plus, with RVCU direct deposit, you will automatically be enrolled in our Early Pay program — which means you could see your hard-earned money hit your account up to two days*** earlier than your co-workers! RVCU will deposit your money as soon as we receive it, even if it isn’t payday yet (however, the timing and availability of the funds may vary, depending on the payor). Cha-ching!
Enrollment in direct deposit is easy.**** For payroll checks, download our direct deposit form and share with your employer. For Social Security checks: Visit Go Direct, contact your local Social Security office or contact us today.
ROCK REWARDS
Access your Rock Rewards balance and redeem points.
EASY-ORDER CHECKS
Need more checks? Ordering is super easy with our secured link! Click here to reorder today.
SAVINGS JAR:
Save money without thinking about it? Yes please! When you open an Everyday Spend or 815 Spend checking account you can choose to “round-up” every debit card transaction to the next whole dollar amount. The rounded-up funds can be either deposited into your savings account or donated to a charity partner of Rock Valley Credit Union — now that’s a savings plan fit for any lifestyle!
Make The Switch
Ready to make the switch to RVCU? We make it easy! There are only five steps between you and an RVCU checking account – and we’ll be there for you every step of the way! Let us help you with these easy steps:
- Open an account with a minimum deposit of $25.
- Move your direct deposit into your new account.
- Redirect your automatic payments.
- Stop using your old checking account.
- Close your old checking account.
