Really Free Checking Account

Earn cash back — every time

An RBFCU debit card and checking account gives you more when it comes to your money.

A cash back debit card gives you real purchasing power: no monthly maintenance fee, no minimum balance requirement and 10 cents in cash back rewards on every debit card purchase!

Credit card and dollar
10 cents cash back with every debit card purchase
Tablet and smartphone
Easy, convenient mobile access for transfers, account review and more
No fees
No monthly maintenance or minimum balance fees

Open a checking account

CashBack Rewards
Premier Rate
“This account is by far the best I've ever had. The cash-back rewards, ease of using the mobile app and member service is outstanding.”


  • How long will it take to become a millionaire? How long will it take to become a millionaire?


  • What is RBFCU's checking account routing number?
    RBFCU's routing number is 314089681.
  • Can I open a checking account from the RBFCU Mobile app?

    To open a new checking account:
    1. Log in to the RBFCU Mobile app.
    2. Click on "Open Account."
    3. Verify your address, and click "Let's get started!" to follow the self-service directions.

  • How do I download the RBFCU Mobile app?

    RBFCU offers a FREE mobile application for both Android and iPhone devices.

    • For Android devices: Select the Play Store, search for RBFCU and download the app.
    • For iOS (Apple) devices: Select the App Store, search for RBFCU and download the app.

    For full functionality, both the provider’s software and RBFCU app version must be up to date.

  • I lost my card. What do I do?

    You can report your lost or stolen card by contacting us in one of the following ways:
    Phone: 1-800-580-3300
    1. Sign in to your Online Banking account.
    2. Under the “View Services” tab, under “Manage Cards,” select “Report Lost Cards.”
    3. Select the card that you want to report lost, then click “Next.”
    4. Select the appropriate option (e.g., "Report a Lost or Stolen Card," "Freeze Card," or "Replace Card").
    5. Verify the information for accuracy, and click “Submit.”
    6. If your card is connected to Samsung Pay or Apple Pay, remove the card from the devices.

  • Why am I being asked for my ID on all transactions?

    In order to protect you and your account, RBFCU must identify the transacting person on an account each time a transaction is made.

More FAQs

Membership eligibility is required. Programs subject to change; other restrictions may apply. The credit union reserves the right to determine if transactions processed under the 10 cents cash back program are usual and customary and to restrict privileges/accrued rewards. Photo ID required for all transactions at any RBFCU branch.