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Compare Checking Accounts
Checking options to fit your unique lifestyle

We know not everyone needs the same things from a checking account. That’s why we offer a variety of checking accounts tailored to fit you. All checking account options can be set up for direct deposit and come with a free Visa Debit Card, free Online Banking, and free Online BillPay. Visit with one of our Member Service Representatives today for assistance.

Premier Checking

Earn

0.10 % APY*

Varsity Checking

Earn

0.05 % APY*

HSA Checking

Earn

0.05 % APY*

Money Market

Earn up to

1.25 % APR*
*APY=Annual Percentage Yield. Rate subject to change without notice.

Not A Member?

Become A Member

View Member Eligibility Requirements

Current Members

Open An Additional Account

or contact us to upgrade your account today

Questions? Click here to Contact Us.

  • Compare Top Two Checking Accounts

    To assist you in selecting the best checking account for you, please check out the comparison table below. Comparison excludes exclusive needs accounts (Varsity, Fresh Start, Health, Savings, Foreign National, and Representative Payee).

      MEMBERSCHOICE PREMIER1 BASIC
    Type of Account Premium with extras Standard Checking
    Minimum Balance Required $0 $0
    Monthly Maintenance Fee $8 ($7 with eStatements) $5 (waived with eStatements)
    Earn Dividends  
    Visa Debit Card
    Free Online Banking (BillPay, Alerts)
    Free Mobile Banking
    eStatement Required    
    Check Writing Limits    
    Free Checks2  
    Additional Account Benefits
    • Travel and Entertainment Discounts1
    • $hopping Rewards™1
    • Cash Back Member Rewards1
    • Accidental Death & Dismemberment Insurance*
    • Cellular Telephone Protection*
    • Debit Advantage™*
    • Key Tag Return1
    • IDProtect®1
    First “50 Pack” check order free to new member
    Seniors (65+)3: Seniors receive FREE Teller Checks (over $1000), Money Orders & Check Orders3

    Not A Member?

    Become A Member

    View Member Eligibility Requirements

    Current Members

    Open An Additional Account

    or contact us to upgrade your account today

    *  Insurance product is not insured by NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate. Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. 
    1 Some benefits require activation, registration and/or enrollment.
    2 Limitation of one box per order for accounts offering free checks.
    3 Primary account holder must be age 65 or better.

    NOTE: New Members are not eligible for Remote Transfer for 6 months regardless of account type.

  • Memberschoice Premier

    Our MembersChoice Premiere Checking account is our most extensive checking account with benefits that help to keep you and your account safe and secure. Account includes:

    • No Minimum Balance
    • No Per Check Charges
    • Unlimited Free Checks (1 box at a time)
    • Cash Rewards - Earn cash back on online purchases with your Visa Debit card
    • Earn Dividends on Balance
    • Free Instant Issue Visa Debit card (with Visa Purchase Alerts)
    • Free Online Banking, Mobile Banking, BillPay, and eStatements
    • Free Access to RO$EY, our telephone teller
    • Monthly Service fee will apply

    Not A Member?

    Become A Member

    View Member Eligibility Requirements

    Current Members

    Open An Additional Account

    or contact us to upgrade your account today

    eClub Access

    Plus, with Premier Checking you also receive the following benefits at NO ADDITIONAL COST:

    IDProtect®
     

    Identity theft protection for you and your family1

    Includes Credit File Monitoring, Credit Report, Identity Fraud Expense Reimbursement Coverage2 and Resolution Service

    Fully Managed Recovery/Resolution
      A dedicated fraud specialist assigned to manage your case. Experienced recovery professionals will handle the recovery process until your credit and identity is completely restored.
    Identity Fraud Expense Reimbursement
      Up to $10,000 Identity Fraud Expense Reimbursement2 to cover expenses associated with restoring your identity, such as reimbursement for costs associated with attorney fees, loan application fees, long distance calls, certified mail and notarized fraud documents, medical record costs, costs for daycare and elder care, travel and accommodations, as well as coverage for wages lost for time taken off work to correct personal records.
    Monitoring
      Total Identity Monitoring – monitors your Name, Address, Date of Birth, and Social Security Number in more than 1,000 databases to determine if your identity has been compromised – this is also a good way to protect and preserve your child’s identity.
    Triple-Bureau Credit File Monitoring – provides daily monitoring of your credit reports with Equifax, Experian, and TransUnion for key changes to your reports. Alerts are sent via email or text message.
    Triple-Bureau Credit Report – request a new report every 90 days or upon receipt of a credit alert.
    Credit Score – receive a new single bureau credit score with every new credit report.
    Registration / activation required
    Debit and Credit Card Registration
     

    Register your credit, debit and ATM cards with us and have peace of mind knowing your cards are protected and your liability is limited should your cards become lost or stolen. With one toll-free phone call you will be able to cancel your missing cards, stop unauthorized use and request replacement cards. 

    Registration / activation required

    Educational Resources / News Center
     

    Get advice on ways to protect yourself from identity theft, read educational tips and access valuable online resources and news related to identity fraud and credit.

    Registration / activation required

    Cellular Telephone Protection3
      Cellular phone bill must be paid through this account.  
    Covers first three phones listed on the cellular phone bill.  
    Covers damage or theft.  
    Up to two claims per year / Up to $300 per claim / $50 deductible per claim.
    Travel and Entertainment Discounts
      Access to exclusive offers and discounts at thousands of online retailers.
    Cash back can be used for future purchases or sent as a check.
    Registration / activation required
    Buyers Protection
      Buyers Protection covers items for 90 days from the date of purchase against accidental breakage, fire, loss, or theft.
    Extended Warranty extends the U.S. manufacturer's original written warranty up to one full year on most new retail purchases if the warranty is less than five years.
    Cash Back Member Rewards  
      Earn 10% cash back on everyday purchases.
    Save receipts and submit quarterly.
    Registration / activation required
    Accidental Death & Dismemberment Insurance
      Up to $10,000, 24-hour coverage.
    Coverage divides equally among joint account owners and reduces by 50% at age 70.
    Key Tag Return
      Number-coded, return-postage-guaranteed key tag.
    First one is free.
    Registration / activation required

    1 IDProtect service is a personal identity theft protection service available to account owner(s) and their family. Family includes: Spouses, persons qualifying as domestic partner, and children under 25 years of age and parent(s) who are residents of the same household. IDProtect benefits are available to joint account holders (unless otherwise noted). Benefits are not available to a "signer" or "beneficiary" of the account who is not an account owner. Service is not available to businesses and their employees, clubs and/or churches and their members, school and their employees/students.

    2 Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group Inc. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies and terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.

    3 Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance.

    Insurance product is not a deposit; not NCUA insured; not an obligation of credit union; and not guaranteed by credit union or any affiliated entity.

  • Basic

    Our Basic Checking account comes with a standard benefits package to access your money when you need it. Account includes:

    • No Minimum Balance Requirements
    • No Per Check Fee
    • $5 Monthly Fee (waived when electing eStatements and eNotices)
    • First “40 Pack” check order free with new membership
    • Free Instant Issue Visa Debit card (with Visa Purchase Alerts)
    • Free Online Banking, Mobile Banking, DeposZip and BillPay
    • Free access to RO$EY, our telephone teller

    Not A Member?

    Become A Member

    View Member Eligibility Requirements

    Current Members

    Open An Additional Account

    or contact us to upgrade your account today

  • Varsity Club

    Teens age 13-17 can manage their money their way with this special account. With safety measures built in, teens can learn responsible money management while enjoying the freedom to handle their own finances for the first time. This account makes the transition into financial independence a positive experience for teens and parents alike. Account includes:

    • No Minimum Balance Requirements
    • No Monthly Fees
    • No Per Check Fees
    • Free Instant Issue Visa Debit card (with Visa Purchase Alerts) (Must be 16 years of age with a joint owner)
    • Free Online Banking, Mobile Banking, and eStatements
    • Free access to RO$EY, our telephone teller

    CONTACT US to open a Varsity Club account today.

  • Fresh Start Checking

    Sometimes, you need a little extra help. For members who have had trouble managing checking accounts in the past, we offer Fresh Start Checking. This powerful tool can help you get back on track and is available to members who may not qualify for a regular checking account. Account includes:

    • Checking Account Management Education Program
    • Available to those with ChexSystems Reports
    • Special features to help you manage your account
    • Free Instant Issue Visa Debit card (with Visa Purchase Alerts)
    • Free Online Banking, Mobile Banking, DeposZip and BillPay
    • Free access to RO$EY, our telephone teller
    • $10 monthly maintenance fee

    Visit your local branch to learn more about Fresh Start Checking.

  • Foreign National Checking

    The Foreign National Checking is for individuals without a U.S. standard-issue form of identification. Individuals may present one of the following as a primary type of identification: Passport* or Matricula Consular

    • No Minimum Balance Requirements
    • No Monthly Fees when you sign up for eStatements ($5 monthly fee without eStatements)
    • No Per Check Fees
    • Free Instant Issue Visa Debit card (with Visa Purchase Alerts)
    • Online Banking, Mobile Banking, BillPay and eStatements
    • Access to RO$EY, our telephone teller**

    Visit your local branch to learn more about Foreign National Checking.

    *Accepted forms of identification must be bilingual or accompanied by notarized translation. ** Spanish audio available

    CONTACT US for details and to set up an account.

  • Representative Payee Checking

    A Representative (Rep) Payee Checking account is for a government-appoint representative payee to manage Social Security (or SSI) funds only. Contact your local Social Security office for details.

    • No Minimum Balance Requirements
    • No Monthly Fees
    • No Per Check Fees
    • Free Instant Issue Visa Debit card (with Visa Purchase Alerts)
    • Free Online Banking, Mobile Banking, BillPay and eStatements*
    • Free access to RO$EY, our telephone teller

    Visit your local branch to learn more about Representative Payee Checking.

    * Some restrictions may apply

    CONTACT US for details and to set up an account.

  • Health Savings

    Unexpected health care costs are one of the leading causes of financial distress for families. We can help with this account designed to keep you prepared for the unknown. Generally, HSAs provide tax-favored treatment for current medical expenses as well as the ability to save on a tax-favored basis for future medical expenses.

    • Available to those with a high-deductible health insurance plan
    • Often lowers health insurance premiums
    • Savings are completely portable, even if you change jobs or coverage

    CONTACT US for details and to set up an account.

  • Money Market Accounts

    • Minimum Required Balance is $2,500.00
    • Minimum Balance Violation Fee is $5.00
    • Minimum Check Clearing Amount is $500.00
    • Transaction Violation Fee is $35.00
    • Only 6 Reg D Transactions allowed per month. Reg D transactions include the following:
      • Checks
      • Internet Transfers
      • Debit Card Transactions
      • Preauthorized Transfers
      • Remote Transfers
      • Overdraft Transfers

    CONTACT US for details and to set up an account.

  • Overdraft Protection

    Savings Account Transfers

    Funds are transferred from your primary savings account at no charge to cover:

    • Checks
    • Preauthorized debits
    • Point of Sale (POS) transactions
    • ATM transactions
    • Debit and Varsity Debit Card transactions

    MoneyLine Line-of-Credit Loan Transfers

    Loan fees may apply, but there is no transaction fee to use this service to cover checking account transactions. May be used as a primary overdraft protection source to cover:

    • Checks
    • Preauthorized debits
    • POS transactions
    • ATM transactions
    • Debit Card transactions

    Courtesy Pay*

    Pays inadvertent overdrafts when no other means of overdraft protection is available. There is a $35 fee per item covered under this service. You must contact the credit union to opt in to this type of overdraft protection.

    Covers:

    • Checks
    • Preauthorized debits
    • POS transactions
    • ATM transactions
    • Debit Card transactions

    Does Not Cover:

    • Over the Counter Withdrawals
    • Transactions used to make Red River Credit Union Loan Payments

    *Restrictions Apply. Opt in Required. Overdrawn balances must be covered/repaid within 14 days.

    To request Courtesy Pay, CONTACT US for details.

Lending Options To Meet Your Financial Needs

Not signed up for Online Banking? CLICK HERE, call us at 903-735-3000 / 800-822-3317, or visit a local branch to get started.