Business Checking Accounts
Credit union checking accounts that help your business earn you money.
Whether you have a small business, a large enterprise or a nonprofit, RMCU has a checking account that's right for you.
With any RMCU checking account, you’ll enjoy:
Easy Transition From Your Old Checking Account
The RMCU Switch Kit makes it a breeze to transfer your account funds, direct deposits, and other automatic payments seamlessly.
Instant Debit Card Issuing
Take home your new debit card the same day you open your account.
Mobile Wallet Compatibility
Connect your debit card to mobile wallets like Apple Pay, Google Pay, and Samsung Pay.
Credit Score Insights
With our quick and easy one-page application, 24-hour approvals and instant issuing in our branches, you can be using your new Visa the day after you apply.
Electronic Statements
Access your account statements securely online through the mobile or desktop app.
User-Friendly App
Our intuitive Rocky Mountain Credit Union Mobile App makes it easy to manage your checking account. Monitor your spending, transfer funds, pay bills, and more.
With any RMCU checking account, you’ll enjoy:
Easy Transition From Your Old Checking Account
The RMCU Switch Kit makes it a breeze to transfer your account funds, direct deposits, and other automatic payments seamlessly.
Instant Debit Card Issuing
Take home your new debit card the same day you open your account.
Mobile Wallet Compatibility
Connect your debit card to mobile wallets like Apple Pay, Google Pay, and Samsung Pay.
Credit Score Insights
Monitor your credit using SavvyMoney, a perk built into your RMCU mobile and desktop app.
Electronic Statements
Access your account statements securely online through the mobile or desktop app.
User-Friendly App
Our intuitive Rocky Mountain Credit Union Mobile App makes it easy to manage your checking account. Monitor your spending, transfer funds, pay bills, and more.
SWIPE Checking
Earn cash back every time you use your debit card
SWIPE Checking is an easy-to-use, cash-back checking account for anyone and everyone, from teens to retirees. However, unlike most basic checking accounts, SWIPE allows you to earn cash back when you swipe your debit card. Plus, it’s easy to use for youth checking – helping you set your teen up for financial success.
Why You’ll Love SWIPE
- Earn 10 cents back for every debit card transaction after your first 10 purchases within a month. (Maximum of $15 in earnings per month.)
- No minimum balance.
*ATM transactions don’t earn rewards. All new accounts are verified with ChexSystems. Rates may change after the account is opened, and fees could reduce earnings.
Compare Checking Accounts
| Small Business | Large Business | Non-Profit | |
|---|---|---|---|
| Minimum Balance: | None | $5,000 | None |
| Incentives / Requirements: | First 50 items are free. Additional items over 50 = $0.20 per item | First 50 items are free. Additional items over 50 = $0.20 per item | No restriction |
| Number of Items Deposited: | First 50 items are free. Additional items over 50 = $0.20 per item | First 50 items are free. Additional items over 50 = $0.20 per item |
No restriction
|
| Maximum Currency/Coin: | $2500, anything over will be subject to a 0.2% fee | $10,000, anything over will be subject to a 0.2% fee | No restriction |
What Do You Need to Open a Checking Account at RMCU?
Opening a checking account with RMCU is easy. You’ll need:
- $20 to open your membership savings account
- Two forms of identification
- Proof of address
- No charge-offs from another institution
- Qualification to be an RMCU member. See qualifications.