Checking Accounts

  • Checking
  • Debit Card
  • Overdraft Protection

Personal Share Draft Checking Account

checkbookUnlike other financial institutions, My Credit Union simplifies your life by combining every checking benefit we could think of into a single account that we offer to all of our members.

This account requires an initial $25 deposit to open. You won’t find ALL of the following checking account benefits anywhere else.

Take a look and you’ll agree ... My Credit Union checking is BETTER THAN FREE!

Checking Features

  • ATM access at hundreds of local and national ATM machines
  • FREE Debit Card with your account
  • FREE 24/7 online account access
  • FREE Digital check images online on all personal accounts
  • FREE Bill Payment service through online account access
  • FREE unlimited check writing
  • No minimum balance required (After the initial $25 opening deposit)
  • Earn dividends on days your balance is over $500, paid at month end

Open an Account
To open a checking account, please visit your nearest branch location. For more information, call us at 612.798.7100.


My Credit Union Debit Card

Make the check writing hassle rbcu debit carda thing of the past!

  • 24/7 account access
  • Accepted everywhere Visa debit is accepted
  • NO monthly charges
learn more   apply for a card

Overdraft Protection


What is Courtesy Pay?

Courtesy Pay is a non-contractual overdraft protection service that we offer to our members with eligible Checking accounts. As long as you maintain your account in good standing, we may cover non-sufficient fund items up to your approved limit of $500. We will charge our standard overdraft fee of $19*. You are then required to bring your account to a positive balance for at least one full business day within the next 15 calendar days.
It’s that simple!

What can Courtesy Pay do for You?

Occasionally, some of us find ourselves a little short on funds, which can inadvertently result in an overdraft. If something like this happens to you, Courtesy Pay can save you time, money and hassle.

Advantages of Courtesy Pay

Courtesy Pay allows you to pay bills with confidence. When money gets tight, or you’ve made a mistake in your check registry, have an unexpected bill to pay, or simply miscommunicate with another signer on the account, Courtesy Pay will help cover those bills.

Limit Inconvenience

Courtesy Pay can help prevent an inconvenient situation such as having your debit card declined. My Credit Union understands that many people need an occasional safety net to avoid this situation - that’s why we offer Courtesy Pay.

Enroll today!

To sign up for Courtesy Pay, call 612.798.7100 to speak with a My Credit Union Member Service Representative – or stop into any My Credit Union branch location.

 *A $19 fee will be assessed per overdraft created by check, in-person withdrawal, ATM withdrawal, or other electronic means. You have 15 business days to pay your negative balance before you will be considered no longer in good standing. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing or you have too many overdrafts. Overdraft transfers and fees are activated based on your available balance, which may be less than your current balance, depending on pending charges, holds and pledges on your account. Additionally, My Credit Union may change the terms, conditions and fees within the Courtesy Pay service in accordance with established policies.

Savings Account Transfer 

Automatically transfers money from your Share Savings Account to cover overdrafts.