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RBFCU Really Free Checking Account

RBFCU Routing Number: 314089681

Experience the RBFCU difference with our Really Free Checking Account!

At RBFCU, we offer all the perks and conveniences you need from a checking account, including:

  • 10¢ cash back on all debit card purchases
  • No monthly service fees or minimum balance requirements
  • FREE RBFCU Mobile applications for iPhone®, iPad and Android devices
  • Free online account access with detailed transaction information
  • Free online bill pay
  • Unlimited check writing and FREE standard RBFCU checks when ordered online
  • 24/7 fraud monitoring and $0 liability on debit cards
  • Competitive dividends
  • Overdraft protection/Courtesy Pay
  • Surcharge free access at millions of ATMs nationwide through the CO-OP network
  • Cash back option available at more than 3 million point-of-sale (POS) terminals like
    Wal-Mart or Target - for FREE
  • And more!

RBFCU cash back debit card

By pairing your Really Free Checking Account with your Freedom Check Card debit card, you'll save money through low fees and earn money with cash back in the palm of your hand. Experience the value of RBFCU membership by opening your Really Free Checking Account today!

If you already have a checking account, you can request your free debit card by calling our Member Service Center. For your convenience, you may also log into your account and click the 'Contact Us' link to send us a secure message, or visit your neighborhood branch.

Other Accounts
Other RBFCU Services

Debit Card Guide to Benefits

Savings Accounts
Money Market Accounts

Electronic Funds Transfers
Direct Deposit
Stop Payment
TurboTax® Online
IDProtect Plus


The credit union reserves the right to determine if transactions processed under the 10¢ cash back program are usual and customary. For transactions that are not usual and customary, they are: 1) not eligible for the rewards payment and 2) may result in a loss of check card privileges and any accrued rewards cash.

For some retail merchants, using a personal identification number (PIN) with a debit card is the preferred method of payment when making purchases. Your Freedom Check Card allows you to use either a PIN or signature to complete your purchase. Your Personal Identification Number (PIN) must be used to receive cash back at POS terminals.

Certain restrictions, including daily and monthly deposit limitations may apply. RBFCU does not charge a fee for the RBFCU Mobile application, but you may be charged for Web access by your mobile wireless provider.

iPhone and iPad are registered trademarks of Apple Inc.

Android and Google Play are trademarks of Google, Inc.

Really Free Checking 4.9 5 943 943
Home Loan Service is better than any bank! I have been with RBFCU for over 7 years. I started when someone told me about their phenomenal Home Loan Deal. At the time, I still owed over $220,000 on my home. The process was simple and all done remotely. I think I got 3.6% for 15 years. After a year or so, I lowered my loan to an 11 year loan for a lower %. It only cost me $500.00 to lower my rate. After 2 years, I lowered my rate and length of the loan again to a 5 year 2.6% loan for $500. I now own my home free and clear thanks to RBFCU!! I saved over 100 Thousand Dollars in interest by using RBFCU and paying off my home. Still can't believe it was real. (Actually, a few times, I thought it had to be a scam as it was "too good to be true") . I will always be a customer at RBFCU!!! January 2, 2016
Absolutely Love this Bank i haven't had any problems with this bank, its so easy and the 10 cent cask back is a PLUS!!!! I really believe RBFCU differs from all the other banks, there are no fees at all even if you overdraft...they do understand sometimes you make mistakes...and with the RBFCU App i can always keep track of what im spending. BEST BANK EVER, definitely will continue with this bank as long as willing! #8yearsStrong December 31, 2015
Good product,ordering very hard I like ypur product,the check ordering is very lousy when you try to order tghey force you to a survey you wouldn t like to take but you are forced to December 28, 2015
Wonderful people, excellent service. I've been banking here for about 4 years. My husband was a veteran, and they always treated him with great respect. Since he passed away, they've been so helpful - I went through his death and a forced early retirement, with all the accompanying financial uncertainty, and they were with me all the way. They've been unfailingly kind and I appreciate everyone at RBFCU so much! I just wish there was a branch closer to Bastrop! November 24, 2015
your check order website is not friendly your website logged me off before I confirmed the order August 13, 2015
First bank ever and would never want to change I have never had problems with RBFCU. Always nice. August 7, 2015
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