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eChecking with MasterCard® Debit

debit cardREALTORS® FCU understands that many members are looking for a no-frills, high tech checking solution. This account has no monthly fee and helps you meet your personal checking needs in a simple, convenient, and cost-effective way.

Anxious about making the switch?

This checking switch kit will help with a smooth transition to your new REALTORS® FCU eChecking account in just 3 easy steps:

1. Open your new REALTORS® FCU eChecking account
2. Switch our direct deposits, automatic transactions and bill payees (we provide forms to help)
3. Close your old account

Concerned about identity theft?

REALTORS® Federal Credit Union members are invited to enroll in the IdentitySecure® Program – an advanced identity theft protection program offering a suite of protection benefits and special rates. Offered through NAR's REALTOR Benefits® Program,  for $1 REALTORS® FCU members may try it for the first month and opt to continue monthly at a special rate.

NOTICE OF CHANGES IN TEMPORARY NCUA INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a “noninterest-bearing transaction account” are insured in full by the National Credit Union Administration through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to members under the NCUA's general share insurance rules. The term “noninterest-bearing transaction account” includes a traditional share draft account (or demand deposit account) on which the insured credit union pays no interest or dividend. It does not include any transaction account that may earn interest or dividends, a negotiable order of withdrawal (“NOW”) account, money-market deposit account, and Interest on Lawyers Trust Account (“IOLTA”), even if share drafts may be drawn on the account. For more information about temporary NCUA insurance coverage of transaction accounts, visit www.ncua.gov.  
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Open a new eChecking Account

It's easy and safe to open a new eChecking Account online! Just log in to Online Banking and click "Open New Account" from the "Accounts" tab. Please note that the combined maximum deposit amount is $99,000.00. Should you wish to open an account(s) with an aggregate balance exceeding $99,000 do not attempt to fund your account(s) online. To fund an account exceeding the daily maximum funding limit please contact 24-Hour Member Care at 866.295.6038.

Here are many of the features and benefits of this great account:
  • Open an account conveniently online
  • No monthly fees
  • Enjoy an initial minimum deposit of only $1.00 and no minimum balance requirement.
  • Use your free REALTORS® FCU MasterCard® Debit Card anywhere in the world that MasterCard® is accepted (Please note that your MasterCard® Debit Card will not be ordered until a deposit has been made into your eChecking account.  This prevents us from charging you a non-sufficient funds fee.)
  • Make deposits when you want, from anywhere using a home or office scanner with Remote Deposit
  • Use our free ATM Locator to find one of the thousands of fee-free CO-OP and CU24 ATM's near you.
  • Use External Transfers to make secure transfers to and from other financial institutions
  • Get free unlimited Bill Pay
  • Benefit from Overdraft Protection and Courtesy Pay
  • Fee-Free Automatic Overdraft Protection from your Primary Savings Account. (Federal Regulation D limits the number of transfers you may make electronically or by phone to six (6) times per month, per share account.)
  • Set-up free Direct Deposit
  • Enjoy free 24-hour account access via Online Banking
  • Receive convenient Electronic Statements available within Online Banking 
  • Receive free alerts including balance, transactions, secure messages,  electronic Statements, and more!
  • Have 24-hour access to Member Care Representatives at 866.295.6038
  • Know that your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States government


Share Savings & Checking105/27/2011
Dividend Rate Annual Percentage Yield (APY) Min. Balance to Open
Primary Savings Account0.150%0.15%$25.00
Savings Account0.150%0.15%$1.00
eChecking0.00%0.00%$1.00
1All rates, terms and conditions are subject to change without notice. Maintenance or activity fees associated with an account type could reduce earnings. Refer to Disclosures for complete details.
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It’s easy and safe to join online. Your membership is necessary prior to opening an account. Just click Membership to get started. During the new member application process, you can select the products you’re interested in. If you need assistance, please call a friendly Member Care Representative. We are here for you 24-hours a day at 866.295.6038.