Checking Accounts

At Robins Financial Credit Union, we offer a variety of checking accounts to meet your specific needs. Plus, eligible members with an active checking account can view their FICO® Score for free in Online Banking.

Classic Checking

Our Classic 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
  • Up to a $10 per month refund of non-Robins Financial ATM fees**
  • 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
    • Bill Pay
    • Mobile Banking
    • e-Statements
    • e-Alerts

Other benefits include:

  • Early posting of direct deposits.
  • Access to your account at shared service centers across the country.
  • Nationwide ATM network including over 55,000 surcharge free ATMs. Find one near you with our Locator search tool.


*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.

**Must have qualifying checking account in good standing. ATM refund will be paid monthly at the end of the month.

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*.

With features including:

  • $100 initial deposit to open a new account
  • FREE first box of checks**
  • Up to a $10 per month refund of non-Robins Financial ATM fees**
  • Unlimited check writing, withdrawals and transfers
  • No per-check charges
  • FREE Visa® Debit Card
  • FREE Travelers Cheques
  • FREE Online Services:
    • Online Banking
    • Bill Pay
    • Mobile Banking
    • e-Statements
    • e-Alerts

Other benefits include:

  • Early posting of direct deposits.
  • Access to your account at shared service centers across the country.
  • Nationwide ATM network including over 55,000 surcharge free ATMs. Find one near you with our Locator search tool.


*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.

**Must have qualifying checking account in good standing. ATM refund will be paid monthly at the end of the month.

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
  • Up to a $10 per month refund of non-Robins Financial ATM fees***
  • 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 Online Services:
    • Online Banking
    • Bill Pay
    • Mobile Banking
    • e-Statements
    • e-Alerts

Other benefits include:

  • Early posting of direct deposits.
  • Access to your account at shared service centers across the country.
  • Nationwide ATM network including over 55,000 surcharge free ATMs. Find one near you with our Locator search tool.


*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.

***Must have qualifying checking account in good standing. ATM refund will be paid monthly at the end of the month.

MyMoney MyWay® Checking

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
  • FREE first box of checks
  • Up to 2 NSF fee refunds per year
  • Up to a $10 per month refund of non-Robins Financial ATM fees.*
  • FREE Online Services:
    • Online Banking
    • 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.
  • Access to your account at shared service centers across the country.
  • Nationwide ATM network including over 55,000 surcharge free ATMs. Find one near you with our Locator search tool.
  • Check out our Good Grades Rewards Program, available to high school and college students.

  • *Must have qualifying checking account in good standing. ATM refund will be paid monthly at the end of the month.

My$ta$h

Opening your first checking account is an exciting milestone. At Robins Financial, we want to put you on the path to a bright financial future and learning money management skills is essential to that process.

My$ta$h Checking is a special account designed for teens ages 12 to 15 and a great way to start teens on the path to financial independence.*

This account features:

  • No minimum balance requirement
  • No monthly maintenance fees
  • Free Visa® debit card with daily transaction limits
  • Financial Guidance & Education to learn good financial habits
  • FREE Online Services:
    • Online Banking
    • Bill Pay
    • Mobile Banking
    • e-Statements
    • e-Alerts

Other Services To Consider

Easy Save Share Certificate: With as little as $100, this certificate offers a 12 month term along with competitive dividends. Add to the certificate at any time (minimum $25 deposit).

Change the Way you Save: Round every debit card purchase up to the next whole dollar and transfers those funds to your savings account.

Parent or guardian must be joint on this account and a current member. MyStash checking accounts are for those ages 12-15.