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Personal   Checking Account

Checking Accounts

At Robins Federal Credit Union, we offer a variety of checking accounts to meet your specific need.

Classic Checking

Our checking account is an excellent value regardless of your balance or how many checks you write. With features including:
  • $25 initial deposit to open a new account
  • No minimum balance
  • No monthly maintenance fee
  • Unlimited check writing, debit, credit and deposit transactions
  • Descriptive monthly statements
  • Access to 24-Hour Telephone Teller
  • Overdraft protection*
  • FREE VISA® Debit Card
  • FREE Online Services:
    - Online Banking
    - Web Bill Pay
    - Mobile Banking
    - e-Statements
    - e-Alerts


*Overdraft Protection - Gives you peace of mind and security should you ever
overdraw your account. Overdrafts will automatically transfer available funds to your checking account from your savings account or you may qualify for a line of credit loan or VISA® as another convenient option. To receive this service, ask a representative when opening your account. See the Rate & Fee Schedule for
Overdraft Protection Fee information.

Advantage Checking

It's good to have the advantage. This is a no-strings attached checking account. And, even better, this account actually pays you dividends when you maintain an average daily balance of $10,000 or more.*

Look at all the features that come with it:

  • $100 initial deposit to open a new account
  • FREE First box of checks**
  • Unlimited check writing, withdrawals and transfers
  • No per-check charges
  • FREE VISA® Debit Card
  • FREE Travelers Cheques
  • FREE Notary service
  • FREE Online Services:
    - Online Banking
    - Web Bill Pay
    - Mobile Banking
    - e-Statements
    - e-Alerts

* Minimum Balance - This balance is required to obtain the stated Annual Percentage Yield (APY) for the dividend period and to avoid the Below Minimum Balance Fee. Click here for current rate information. See the Rate & Fee Schedule for Below Minimum Balance Fee information.

** Safety Checks only.

Legacy Checking

If you're 55 years or older and want added benefits with your checking account, Legacy Checking is right for you. With features such as:

  • $25 initial deposit to open an account
  • No minimum balance
  • No monthly maintenance fee
  • Unlimited check writing, debit, credit and deposit transactions
  • Descriptive monthly statements
  • Access to 24-Hour Telephone Teller
  • Overdraft Protection*
  • FREE VISA® Debit Card
  • FREE Checks**
  • FREE Stop Payments
  • FREE Travelers Cheques
  • FREE Notary service
  • FREE Online Services:
    - Online Banking
    - Web Bill Pay
    - Mobile Banking
    - e-Statements
    - e-Alerts

* Overdraft Protection - Gives you peace of mind and security should you ever overdraw your account. Overdrafts will automatically transfer available funds to your checking account from your savings account or you may qualify for a line of credit loan or VISA® as another convenient option. To receive this service, ask a representative when opening your account. See the Rate & Fee Schedule for Overdraft Protection Fee information.

** Safety Checks only.

MyMoney MyWay® Checking

At Robins Federal Credit Union, we want to help young adults get on the path to a bright financial future. MyMoney MyWay® accounts are a great way to transition from a simple savings account, to managing a checking account. With features such as:

  • FREE Account Opening Gift (minimum opening deposit $25)
  • FREE VISA® debit card – for easy access to funds at ATMs or to make
    purchases
  • FREE 1st box of checks
  • Up to 2 NSF fee refunds per year
  • Up to a $10 per month refund of non-Robins Federal ATM fees.
  • FREE Online Services:
    - Online Banking
    - Web Bill Pay
    - Mobile Banking
    - e-Statements
    - e-Alerts

Other benefits include:

  • Ability for parents to transfer online from their account to a MyMoney MyWay® Account.
  • Free Financial Education available through our youth site On Your Way.
  • Access to your account at over 4,000 shared service centers across the country. To look up a location or ATM near you, use our locator search
  • Good Grades Rewards Program

Second Chance Checking

At Robins Federal we are on a mission to deliver Better Banking to everyone. We want to help you get your financial record back on track with our Second Chance Checking account. It includes many of the same great features as our Classic Checking account, but is designed to help rebuild your financial history and put you on the path to a bright financial future. With features including:
  • Minimum opening deposit of $50
  • Low monthly maintenance fee of $10
  • No minimum balance required
  • Unlimited check writing, debit, credit and deposit transactions
  • Descriptive monthly statements
  • Access to 24-Hour Telephone Teller
  • Overdraft protection*
  • FREE VISA® Debit Card
  • FREE Online Services:
    - Online Banking
    - Web Bill Pay
    - Mobile Banking
    - e-Statements
    - e-Alerts
  • After 12 months activity with a Second Chance Checking Account, you will be eligible to apply for a Classic Checking

*Overdraft Protection - Gives you peace of mind and security should you ever overdraw your account. Overdrafts will automatically transfer available funds to your checking account from your savings account or you may qualify for a line of credit loan or VISA® as another convenient option. To receive this service, ask a representative when opening your account. See the Rate & Fee Schedule for Overdraft Protection Fee information.

**Bounce Protection is not available for Second Chance Checking Accounts. Members may only establish one Second Chance Checking share per account number.






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