Checking Accounts

See our brochure regarding all Rock Valley Checking Account types.  Apply online or stop into any location to open your better than FREE Checking Today.


Starter Checking

No Minimum Balance

Looking for a basic free checking account? Starter Checking will get you started on the road to financial independence with a convenient, no frills checking account.

VISA Check Card works just like a check, only better, and is accepted where the VISA logo is displayed. Our VISA Check Card works by electronically deducting the purchase amount from your checking account and can be used to get cash at ATMs. NO ANNUAL FEE.

NOTE: This account will automatically transfer funds from your savings account to cover an outstanding check/debit purchase or Overdraft Privilege may cover outstanding transactions up to $500.  Learn More about Overdraft Privilege

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Choice Checking

For the Environmentally Conscious

Enjoy a checking account designed for everyday conveniences, without all the paper! While saving the trees, you will put some green in your pocket by receiving a monthly dividend** on balances up to $10,000.

NOTE: This account will automatically transfer funds from your savings account to cover an outstanding check/debit purchase or Overdraft Privilege may cover outstanding transactions up to $700.   Learn More about Overdraft Privilege
 

**To receive the monthly dividend rate on balances up to $10,000, direct deposit, e-statements and one (1) signature-based check card transaction is required each month. 

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Basic Checking

No frills - this checking is for the person just starting out or maybe someone who has had problems in the past and trying to re-build.  


Teen Checking

Kids grow up so fast and it is never too early to provide financial education. Save, spend, borrow and invest your money the smart way with a Teen Checking account. Designed for youth ages 13-17, this checking account will provide the foundation for teens to learn financial responsibility.


Small Business Checking

For the small business owner who needs a checking account we offer:

  • No minimum balance requirements
  • No monthly service fee
  • Merchant services available through Total Merchant Concepts
  • Business checks available
  • VISA Check Card
  • Rewards 4U VISA Check Card Program (brochure explaining benefit)
  • Direct Deposit
  • e-Statements
  • Free e-Banking (Internet & Mobile)
  • Free Audio Response
  • ATM Access to over 28,000 surcharge free ATMs nationwide
  • Shared Branch Access to over 4,400 credit union branch locations across the United States
  • Monthly transaction limits:
    • 50 deposits or credit items
    • 20 debit items
    • 8 PIN based debit card transactions
  • Additional fees
    • $1.50 per month for paper statements
    • $0.10 per item that exceeds transaction limit
    • $1.00 per excess PIN based debit card transactions

Business Checking

For the larger business owner who needs a checking account we offer:

  • Minimum balance requirement of $1500*
  • Merchant services available through Total Merchant Concepts
  • Business checks available
  • Sweep Processing
  • VISA Check Card
  • Rewards 4U VISA Check Card Program (brochure explaining benefit)
  • Direct Deposit
  • e-Statements
  • Free e-Banking (Internet & Mobile)
  • Free Audio Response
  • ATM Access to over 28,000 surcharge free ATMs nationwide
  • Shared Branch Access to over 4,400 credit union branch locations across the United States
  • Monthly transaction limits:
    • 250 deposits or credit items
    • 50 checks cleared
    • 50 ACH debit items
    • 50 debit items
    • 8 PIN based debit card transactions
  • Cash Services
    • Cash in: First $5,000 no charge
    • Cash out: First $500 no charge
    • Coin in: First $100 no charge
    • Coin out: $0.10 per roll
  • Additional fees
    • $1.50 per month for paper statements
    • $0.10 per item that exceeds transaction limit (except ATM)
    • $1.00 per excess PIN based debit card transactions

*You must maintain a minimum daily balance of $1500 in your account to avoid a fee. If, during any month, your account balance falls below the minimum daily balance, your account will be subject to a monthly fee of $7.00 for that month.


You are allowed eight (8) POS/Foreign ATM transactions per month free of charge; your account will be charged $1.00 for each POS/Foreign ATM transaction exceeding eight (8).

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Equal Housing LenderNational Credit Union Administration
NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government agency. Equal Housing Lender - We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act