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Checking Accounts

Simple. Flexible. Easy Access.  

Worry Free Checking Account Options

Included with all Credit Union of Richmond Accounts:

  • Free eStatements, Remote Deposit Capture, and Bill Pay
  • Access your account at over 5,000 Shared Branches
  • 24/7 access with Online and Mobile Banking
  • Eligible for Apple Pay and Zelle

Contact Us & Open An Account Today

We offer two types of checking accounts. 


Regular Checking Account:

  • Never Pay a Fee

    No minimum balance or monthly fees.

  • Convenient Access

    Debit Card with access to 40,000 free ATMs.

  • Check Orders

    Easily reorder checks online, in person or by phone. 

Second Chance Checking Account:

  • Another Flexible Option

    Available for members who don't qualify for a regular checking. 

  • Low Monthly Fee

    $35 account opening fee and $10 monthly maintenance fee. 

  • Other Benefits

    Easily reorder checks online, in person or by phone. Access up to 40,000 surcharge free ATMs.

Types of Overdraft Protection: 

  • Overdraft Transfer

    We will transfer from your designated savings account into your checking account if you exceed your available balance. Each transfer is subject to a $3 fee. 


  • Courtesy Pay

    Whether you accidently overdraft your account or have an unexpected expense, Courtesy Pay may honor insufficient transactions up to a disclosed limit. There is a $30 Courtesy Pay fee per each item. 

  • Checking LOC

    A flexible Line of Credit that can be used as overdraft protection. No annual fees and no fees for transfers initiated using online banking or the mobile app1

1 Rates subject to change and are based on creditworthiness. Repayment terms of 3% of outstanding balance or $25, whichever is greater. Not all borrowers will qualify.