Checking Accounts

Checking Accounts

Find the Robins Financial Credit Union checking account that’s right for you.

Our Robins Financial Credit Union checking accounts offer a variety of options to meet your specific needs.

Show me the most popular accounts for:

  • classic

    Classic Checking Account

    Flexible and Great Value

    Open an Account

    Excellent value regardless of your balance or how many checks you write.

    advantage

    Advantage Checking Account

    More Benefits!

    Open an Account

    No-strings attached checking account. Plus, this account actually pays you dividends when you maintain an average daily balance of $10,000 or more.*

    advantage

    MyBenefits Checking Account

    More Benefits!

    Open an Account

    Benefits you can count on. MyBenefits Checking makes it easier to protect your finances, save on everyday purchases, and get more out of life.
    Must be 18 and older.

  • Initial Deposit

    $25

    $100

    $25

  • Minimum Balance

    $0

    $10,000

    $0

  • Monthly Maintenance Fee

    Yes

    Yes

  • No NSF Fee

    Yes

    Yes

    Yes

  • Overdraft Protection**

    Yes

    Yes

    Yes

  • Digital Banking

    Yes

    Yes

    Yes

  • e-Statements

    Yes

    Yes

    Yes

  • e-Alerts

    Yes

    Yes

    Yes

  • Free Contactless VisaⓇ Debit Card

    Yes

    Yes

    Yes

  • Up to a $10 per month refund of non-Robins Financial ATM fees***

    Yes

    Yes

    Yes

  • Other Benefits

    • Unlimited check writing, debit, credit and deposit transactions
    • Descriptive monthly statements
    • Turn your card on/off and more with the Card Guard App
    • No NSF Fees
    • Unlimited check writing, withdrawals and transfers
    • No per-check charges
    • No NSF Fees
    • Unlimited check writing, debit, credit, and deposit transactions
    • Turn your card on/off and more with the Card Guard App
    • IDProtect® 24-hour identity theft monitoring and resolution service1
    • Accidental Death & Dismemberment Insurance2
    • Cell Phone Protection2
    • Debit Advantage®
    • Roadside Assistance Service2
    • Shopping Rewards™
    • Fuel Rewards®3
    • Travel and Leisure Discounts
    • Health Discount Savings
    • Telehealth4

You can open a Robins Financial Credit Union checking account online or by making an appointment at any of our branch locations.

You can view our Funds Availability Policy Disclosure here.

 

Checking Accounts FAQs

Is there a monthly fee?

  • Most of our Robins Financial Credit Union checking accounts offer no monthly fees! Our Classic Checking Account, MyStash Checking Account for ages 12-15, MyMoney MyWay Checking Account for ages 16-26, and Legacy Checking Account for ages 55+ are completely fee-free. Our only checking accounts with a monthly maintenance fee are our Advantage Checking Account and MyBenefits Checking Account.

How much of an opening deposit do I need to open an account?

  • Most of our checking accounts only require a $25 initial deposit to open an account.

How do I open an account?

What information is required to open an account?

  • Whether you are opening an account online or at a branch, you will need to provide the following information:
    • A valid driver’s license or other government-issued ID
    • Social Security Number or Tax ID Number
    • Your contact information to add to your account profile, including a residential address, phone number, and email address
  • Click here to learn more about opening an account online.

Disclosures

*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
** 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.
MyBenefits Checking Disclosures:
Registration/activation required.
1 Eligibility: Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students.
2 Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. If you wish to name a beneficiary for your accidental death and dismemberment insurance coverage, please complete a beneficiary form. If there is no designated beneficiary on file, benefits will be paid according to the Master Policy. As an eligible account holder, you are enrolled as a member of the Econocheck Association, of which your financial institution is a sponsor. For more information, please visit mybenefits.clubchecking.com or call 866-210-0361. Guide to Benefit and insurance documents are enclosed or can be found online at mybenefits.clubchecking.com. Insurance Products are not insured by the NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.
3 Restrictions apply. See fuelrewards.com for complete Fuel Rewards® program details. See fuelrewards.com/gold for Gold Status details.
4 Available for the account holder and their spouse/domestic partner and up to six (6) dependent children age 2 and older.

  • classic

    Legacy Checking Account

    Added Benefits!

    Open an Account

    Designed specifically for those 55 and older.

    classic

    Advantage Checking Account

    More Benefits!

    Open an Account

    No-strings attached checking account. Plus, this account actually pays you dividends when you maintain an average daily balance of $10,000 or more.*

     

    advantage

    MyBenefits Checking Account

    More Benefits!

    Open an Account

    Benefits you can count on. MyBenefits Checking makes it easier to protect your finances, save on everyday purchases, and get more out of life.
    Must be 18 and older.

  • Initial Deposit

    $25

    $10,000

    $25

  • Minimum Balance

    $0

    $10,000

    $0

  • Monthly Maintenance Fee

    Yes

    Yes

  • No NSF Fee

    Yes

    Yes

    Yes

  • Overdraft Protection**

    Yes

    Yes

    Yes

  • Digital Banking

    Yes

    Yes

    Yes

  • Online Bill Pay

    Yes

    Yes

    Yes

  • e-Statements

    Yes

    Yes

    Yes

  • e-Alerts

    Yes

    Yes

    Yes

  • Free Contactless VisaⓇ Debit Card

    Yes

    Yes

    Yes

  • Up to a $10 a month refund of Non-Robins Financial ATM fees***

    Yes

    Yes

    Yes

  • Other Benefits:

    • Descriptive monthly statements
    • Free Checks****
    • Free Stop Payments
    • 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.
    • No NSF Fees
    • Turn your card on/off and more with the Card Guard App
    • Unlimited check writing, withdrawals and transfers
    • No per-check charges
    • No NSF Fees
    • Unlimited check writing, debit, credit, and deposit transactions
    • Turn your card on/off and more with the Card Guard App
    • IDProtect® 24-hour identity theft monitoring and resolution service1
    • Accidental Death & Dismemberment Insurance2
    • Cell Phone Protection2
    • Debit Advantage®
    • Roadside Assistance Service2
    • Shopping Rewards™
    • Fuel Rewards®3
    • Travel and Leisure Discounts
    • Health Discount Savings
    • Telehealth4

You can open a Robins Financial Credit Union checking account online or by making an appointment at any of our branch locations.

You can view our Funds Availability Policy Disclosure here.

Checking Account FAQs

Is there a monthly fee?

  • Most of our Robins Financial Credit Union checking accounts offer no monthly fees! Our Classic Checking Account, MyStash Checking Account for ages 12-15, MyMoney MyWay Checking Account for ages 16-26, and Legacy Checking Account for ages 55+ are completely fee-free. Our only checking accounts with a monthly maintenance fee are our Advantage Checking Account and MyBenefits Checking Account.

How much of an opening deposit do I need to open an account?

  • Most of our checking accounts only require a $25 initial deposit to open an account.

How do I open an account?

What information is required to open an account?

  • Whether you are opening an account online or at a branch, you will need to provide the following information:
    • A valid driver’s license or other government-issued ID
    • Social Security Number or Tax ID Number
    • Your contact information to add to your account profile, including a residential address, phone number, and email address
  • Click here to learn more about opening an account online.

Disclosures

* 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.
** 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.
**** Safety checks only.
MyBenefits Checking Disclosures:
Registration/activation required.
1 Eligibility: Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students.
2 Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. If you wish to name a beneficiary for your accidental death and dismemberment insurance coverage, please complete a beneficiary form. If there is no designated beneficiary on file, benefits will be paid according to the Master Policy. As an eligible account holder, you are enrolled as a member of the Econocheck Association, of which your financial institution is a sponsor. For more information, please visit mybenefits.clubchecking.com or call 866-210-0361. Guide to Benefit and insurance documents are enclosed or can be found online at mybenefits.clubchecking.com. Insurance Products are not insured by the NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.
3 Restrictions apply. See fuelrewards.com for complete Fuel Rewards® program details. See fuelrewards.com/gold for Gold Status details.
4 Available for the account holder and their spouse/domestic partner and up to six (6) dependent children age 2 and older.

  • classic

    MyMoney MyWayⓇ Account

     

    Open an Account

    MyMoney MyWay® accounts help young adults ages 16 to 26 establish good financial habits early.

     classic

    Classic Checking Account

    Flexible and Great Value

    Open an Account

    Excellent value regardless of your balance or how many checks you write.

  • Initial Deposit

    $25

    $25

  • Minimum Balance

    $0

    $0

  • Monthly Maintenance Fee

  • No NSF Fee

    Yes

    Yes

  • Overdraft Protection*

    Yes

    Yes

  • Digital Banking

    Yes

    Yes

  • Online Bill Pay

    Yes

    Yes

  • e-Statements

    Yes

    Yes

  • e-Alerts

    Yes

    Yes

  • Free Contactless VisaⓇ Debit Card

    Yes

    Yes

  • Up to a $10 a month refund of Non-Robins Financial ATM fees**

    Yes

    Yes

  • Other benefits

    • Free 1st box of checks
    • Free Account Opening Gift
    • 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. To look up a location or ATM near you, use our locator search tool.
    • Check out our Good Grades Rewards Program, available to high school and college students.
    • No NSF Fees
    • Turn your card on/off and more with the Card Guard App
    • Unlimited check writing, debit, credit and deposit transactions
    • Descriptive monthly statements
    • No NSF Fees

You can open a Robins Financial Credit Union checking account online or by making an appointment at any of our branch locations.

You can view our Funds Availability Policy Disclosure here.

Checking Account FAQs

Is there a monthly fee?

  • Most of our Robins Financial Credit Union checking accounts offer no monthly fees! Our Classic Checking Account, MyStash Checking Account for ages 12-15, MyMoney MyWay Checking Account for ages 16-26, and Legacy Checking Account for ages 55+ are completely fee-free. Our only checking accounts with a monthly maintenance fee are our Advantage Checking Account and MyBenefits Checking Account.

How much of an opening deposit do I need to open an account?

  • Most of our checking accounts only require a $25 initial deposit to open an account.

How do I open an account?

What information is required to open an account?

  • Whether you are opening an account online or at a branch, you will need to provide the following information:
    • A valid driver’s license or other government-issued ID
    • Social Security Number or Tax ID Number
    • Your contact information to add to your account profile, including a residential address, phone number, and email address
  • Click here to learn more about opening an account online.

Disclosures

*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.

  • classic

    My$ta$h Account

    First Checking Account

    A special account designed for teens ages 12 to 15 and a great way to start teens on the path to financial independence.*

You can open a Robins Financial Credit Union checking account online or by making an appointment at any of our branch locations.

You can view our Funds Availability Policy Disclosure here.

Checking Account FAQs

Is there a monthly fee?

  • Most of our Robins Financial Credit Union checking accounts offer no monthly fees! Our Classic Checking Account, MyStash Checking Account for ages 12-15, MyMoney MyWay Checking Account for ages 16-26, and Legacy Checking Account for ages 55+ are completely fee-free. Our only checking accounts with a monthly maintenance fee are our Advantage Checking Account and MyBenefits Checking Account.

How much of an opening deposit do I need to open an account?

  • Most of our checking accounts only require a $25 initial deposit to open an account.

How do I open an account?

What information is required to open an account?

  • Whether you are opening an account online or at a branch, you will need to provide the following information:
    • A valid driver’s license or other government-issued ID
    • Social Security Number or Tax ID Number
    • Your contact information to add to your account profile, including a residential address, phone number, and email address
  • Click here to learn more about opening an account online.

Disclosures

*Parent or guardian must be joint on this account and a current member. My$ta$h checking accounts are for those ages 12-15.