What’s New at RCU

¹Benefits are available to personal checking accounts and the primary accountholder and joint accountholder(s) subject to the terms and conditions for the applicable benefits or as set forth in the Benefits Checking Terms of Service. 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. Minimum balance required to open a Benefits Checking Account is $25.00. Benefits may be accessed within RCU’s Digital Banking platform. Some Benefits require authentication, registration and/or activation. Certain restrictions may apply.

²Credit+ is a feature of your digital banking account. RCU, in partnership with SavvyMoney, Inc, will provide you with your credit score and report. This is a soft pull and will not affect your credit score. You may apply for products and services made available by RCU. You may revoke this authorization at any time through your credit score profile settings. Certain restrictions apply.

³Early Pay may provide access to eligible direct deposits up to two days before the pay day established by the income provider. Direct deposit must be established by the Member and approved by Member’s income provider. Eligible deposits include payroll, government or state benefits and pensions, and military pay. Person- to- person payments, international payments, business corporate credits, or other payment types are not eligible. Service is provided solely as a Member benefit and is not guaranteed. Certain restrictions may apply.

⁴Simple Save is an optional service for consumer accounts only. Certain restrictions may apply.

⁵Certain restrictions may apply. Recipient must have a US bank account. Once a recipient claims their funds, transfers are generally completed within 1 business day or less, but may take up to 3 business days. Message and data rates may apply. Mobile banking from RCU is free, but you may incur data charges from your carrier/service plan. Please check with your carrier and service plan on specific charges.

⁶SmartSweep is an optional payment service available for RCU credit cards. Member must meet certain eligibility criteria to enroll in SmartSweep, set the designated payment schedule, and have sufficient available funds to cover the scheduled payment. If sufficient available funds are not in the designated account, payment will not occur, and it is the Member’s responsibility to ensure all required credit card payments are made. Certain restrictions may apply.

⁷Business Positive Pay helps detect actual or potential fraud by allowing the Company to designate and/or decision items to pay. Certain restrictions may apply. Service is not guaranteed to prevent or detect fraud. Business must apply for and be granted access to Positive Pay services. Additional fees may apply.

⁸Skip-a-Pay may be used for a maximum of two (2) payments during a rolling twelve (12) month period per qualifying loan. To be eligible, you must (1) have Digital Banking, (2) have a general membership account with checking and/or savings account(s), (3) have an existing qualifying loan with a minimum of six (6) payments made and in good standing, and (4) be in good standing as defined in the Membership Account Disclosure. Only certain loan types are eligible and certain fees and restrictions may apply.

⁹Redwood Credit Union offers CA Department of Motor Vehicles (DMV) services to RCU Members as a service and for convenience. Services are limited to vehicles registered in the state of CA and certain services/transactions must be completed directly with the DMV. DMV services may be provided through RCU’s vendor, Dealertrack, or by RCU directly. Certain services may take additional appointments. Certain restrictions and fees may apply.