Our lobby at both offices will reopen beginning April 1, 2021. We continue to urge you to use the drive-up at our Sayreville location for teller transactions when possible. Learn more.

Personal Checking

Checking account options that meet your needs

Check it Out

RBFCU has a checking account for you.

Whether you prefer using your smart phone to pay bills and deposit checks, or you prefer paper statements and writing checks, RBFCU has a checking account for you. Whichever checking account you choose, you still have access to many of the same great benefits.

 

Online Banking

View your account balances, make transfers, view check copies & access eStatements and Bill Pay.

 

Tellerphone

Automated phone service that gives you access to your account balances and allows you to make transfers.

eStatements

View your statements any time electronically. Save trees, time and peace of mind with free and secure eStatements.

Debit Card with Card Valet

Use your debit card anywhere Visa is accepted. Keep tabs on your card with our CardValet mobile app.

 

Mobile Check Deposit

Deposit your checks electronically through our TouchBanking Mobile App.

Bill Pay

Pay your bills securely online, pay all bills on one screen, set up recurring payments or make transfers from your RBFCU account to another financial institution.

Our Accounts

Convenient checking account options. Pick the account that best suits your needs.


Free Rewards Checking

  • 0.05% APY* on balances up to $10,000
  • 0.05% to 0.03% APY on balances over $10,000 depending on balance in account*
  • 0.01% APY* if qualifications aren’t met
  • $0 Monthly service fee
  • Refunds on ATM fees nationwide (up to $7.50 monthly)*
  • Free online banking with bill pay
  • Free debit card
  • Minimum opening deposit $25

Flex Checking

  • Unlimited checking transactions
  • Reduce or waive the $5 monthly service fee by meeting qualifications*
  • Waive the fee entirely by maintaining an average daily balance of at least $1,000
  • Free online banking & bill pay
  • Free eStatements
  • Free mobile banking
  • Free 24/7 telephone banking
  • Visa® debit card available
  • Overdraft protection available
  • $25 minimum deposit to open
  • Federally insured by NCUA up to $250,000

Basic Checking

  • Unlimited check writing
  • Waive the $5 monthly service fee by maintaining an average daily balance of at least $5,000
  • Free online banking & bill pay
  • Free eStatements
  • Free mobile banking
  • Free 24/7 telephone banking
  • Visa® debit card available
  • Overdraft protection available
  • $25 minimum deposit to open
  • Federally insured by NCUA up to $250,000

We are dedicated to serve the financial needs of our members, as well as the greater causes of financial literacy, community, strength, cooperation, and charity in Middlesex County.

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Personal Checking

Rewards Checking

Earn monthly rewards if you qualify just by doing the things you’re probably already doing. Don’t worry, your account is always free and you’ll even earn our base dividend rate if you don’t qualify.

  • Rewards
  • 0.05% APY* on balances up to $10,000
  • 0.01% APY* even if you don’t qualify
  • Refunds on ATM fees, nationwide (up to $7.50 monthly)*
  • Monthly Qualifications
  • Have at least 10 signature-based debit card purchases post and settle
  • Be enrolled and receive monthly eStatement notice
  • Have at least one direct deposit or automatic payment (ACH) post and settle
  • Be enrolled and log into online banking

  • No minimum balance to earn rewards
  • Never pay a monthly service fee
  • Free online banking & bill pay
  • Free eStatements
  • Federally insured by NCUA up to $250,000
  • Free mobile banking & mobile check deposit
  • Free 24/7 telephone banking
  • Free Visa® debit card
  • Overdraft protection available
  • $25 minimum deposit to open
Inquire
*Rewards Checking: The Rewards Checking account is a tiered rate account. The rate tiers are as follows: the first Dividend Rate and Annual Percentage Yield listed for this account in the Rate Schedule of the Truth-In-Savings Disclosure applies to balances of $0.01 – $10,000.00 and the second Dividend Rate and Annual Percentage Yield listed for this account applies to balances over $10,000.00 if qualifications are met during the Monthly Qualification Cycle. Each rate will apply only to that portion of the account balance within each range. The third Dividend Rate and Annual Percentage Yield listed for this account applies to all balances if the qualifications are not met. All balances will earn 0.05% APY – 0.03% APY if qualifications are met. The disclosed Rewards Checking APY is based on compounding dividends. The actual dividends paid may be less than the disclosed APY. If you have met your qualifications for the Monthly Qualification Cycle, we will reimburse you for domestic ATM fees (checking only) up to $7.50 per qualification cycle. ATM fee reimbursements will be credited to your account on the last business day of your statement cycle. ATM fees of $ 4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction. Individual ATM fees of $5.00 or higher will only be reimbursed if the appropriate ATM receipt is presented to a representative at one of our branches. If you believe that you have not been reimbursed the correct amount, please contact us. We must hear from you no later than 30 days after the statement cycle when the reimbursement was applicable. Note: ATM withdrawals do not count as qualifying debit card transactions for purposes of earning rewards within this account. The qualifications per Monthly Qualification Cycle are: 1) Have at least ten (10) signature-based debit card purchases post and settle. PIN based transactions do not count toward qualifying signature-based debit card purchases. When given the option, always choose, “Credit” to complete your purchase. Transactions may take one or more banking days from transaction date to post to an account. Debit card transactions processed by merchants and received by the Credit Union as ATM transactions do not count towards qualifying debit card transactions. Only debit card transactions processed by merchants and received by the Credit Union as POS transactions count towards qualifying debit card transactions. 2.) Have at least one (1) automatic payment or direct deposit post and settle. Intra-bank transfers do not count as qualifying transactions. 3.) Receive eStatements and eNotices. 4.) Be enrolled and log into online banking. For the Rewards Checking account, the Monthly Qualification Cycle is defined as a period beginning on the last business day of the prior month through the calendar day prior to the last business day of the current statement cycle. One (1) Rewards Checking account allowed per primary member’s Social Security Number. This account is available to consumer/personal accountholders only. Rates may change after account is opened. Fees may reduce earnings.
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Personal Checking

Flex Checking

A checking account that works for you! You can eliminate your monthly service fee of $5.00 by simply doing the following:

  • Reduce the fee by $1.00 when you receive eStatements
  • Reduce the fee by $0.25 for each signature-based debit card transaction that posts and clears your account
  • Fee waived completely with average daily balance of $1,000

  • Free eStatements
  • Free mobile banking & mobile check deposit
  • Free 24/7 telephone banking
  • Free Visa® debit card
  • Free online banking & bill pay
  • $25 minimum deposit to open
  • Overdraft protection available
  • Federally insured by NCUA up to $250,000
Inquire
*Minimum to open account is $25. The monthly service fee for this account is $5.00. This fee may be reduced by doing the following during the monthly qualification cycle: $1.00 reduction in fee for enrolling in and receiving eStatement notice and $0.25 reduction in fee for each posted and settled signature-based debit card purchase. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” is defined as a period beginning on the last business day of the prior month through the calendar day prior to the last business day of the current statement cycle. The monthly fee may also be waived if a minimum daily balance of $1,000 is maintained throughout the monthly qualification cycle.
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Personal Checking

Basic Checking

Whether you are just starting a checking account or you are a pro, our Basic Checking is for everyone. A straightforward account for your straightforward needs!

  • $5.00 monthly maintenance fee
  • Unlimited check writing
  • Free eStatements
  • Free 24/7 telephone banking
  • Overdraft protection available
  • $25 minimum deposit to open
  • Fee waived with average daily balance of $5,000
  • Free online banking & bill pay
  • Free mobile banking & mobile check deposit
  • Free Visa® debit card
  • Federally insured by NCUA up to $250,000
Inquire



Automatically become a member by opening an account

Becoming a member is easy as 1, 2, 3!
1. Open a savings account.
2. Deposit $5.
3. Enjoy the benefits of Credit Union Membership.

Start Today

Questions?

A member service representative is standing by to answer any questions you may have about our personal checking options.

Submit Questions below or Call Us at (732)-727-3500