RWCU Checking
We offer a variety of Checking Accounts to suit everyone’ s needs! As an added bonus, if you maintain a Checking Account with Red Wing Credit Union, you will also be entitled to a .25% discount on all consumer loans.
Checking Accounts
Pick the account that best suits your lifestyle!
VISA Check Cards
Ditch the bulky checkbook and use our ultra-secure check card.
Checking Perks
Our checking accounts are packed with extra benefits just for you!
ATM Locator
You can sort ATMs by deposit-taking and surcharge-free.
Checking Accounts
Get a Checking Account with Red Wing Credit Union, and get a .25% discount on all consumer loans.
Classic Checking
- No minimum balance
- Unlimited checks
- Overdraft protection available
Choice Checking
Set up direct deposit and earn interest on your checking!
Premier Checking
- $500 minimum balance (Penalties apply for balances less than $500)
- Higher rate of interest earnings
Golden Checking
- Available to members age 55 and over
- Occasional “Golden Only” gifts and freebies
Money Market Account
Want a high-dividend rate without a long-term commitment? Try a Money Market Account. You can make unlimited deposits, and up to three withdrawals or cleared checks each month, all with a minimum balance of $2500.00.

VISA Check Cards

It’s hassle-free! Forget about writing checks and paying interest on credit cards. Your purchases are automatically deducted from your checking account.
No fees! This service has no-annual fee or per-transaction fee. Withdrawals at Red Wing CU’s drive-up ATM also carry no fee. ATM transactions completed elsewhere are charged a minimal surcharge in addition to any fee the originating bank sets.
It’s FAST! Our “instant issuance” technology allows us to print new check cards on-the-spot. New checking accountholders can leave with a new VISA Check card in their pocket.
Receive Text Alerts. When a suspicious transaction is detected, we’ll send a text message alert from 37268 as long as we have your cell phone number on file. If you need to verify or update your cell phone number, give us a call at 651-388-7133. You can opt out of this service at any time by replying “STOP” to the short code 37268.
Lost or Stolen Check Card?
Download the RWCU Card Secure app to freeze / unfreeze your VISA card, or cancel it yourself. You can also check for unauthorized transactions here.
If you need our assistance to cancel your check card, call 1-800-472-3272 or stop in our office. We can issue a new card along with a different access code on the spot.
Checking Perks
Overdraft Protection
There are no annual costs for this, nor are there any hidden usage fees. You owe nothing as long as you don’t overextend your savings. It’s like an insurance policy without the premiums!
Direct Deposit and ACH
Direct Deposit of Payroll, Social Security, and Pension Checks are free. You’ll never have to worry about your checks being lost, late, or stolen. Plus, RWCU pays interest on all checking accounts enrolled in these programs.
Automated Clearing House (ACH) Payments allow you to automatically pay recurring monthly expenses like your mortgage, utility bills, and insurance premiums. There is no charge for this time-saving service. Simply contact the ACH or payment department of the company you want to pay.
Digital Banking
Gain instant access to perform most of your banking transactions online whether you’re at work, in your car, or at home in your pajamas at 3am.
Digital Banking includes features that our members need in today’s digital environment; online banking, electronic bill payment, mobile check deposit, account-to-account transfers, electronic statements, alerts, check reorders, find an ATM, and more.
It’s like having your own personal branch at your fingertips!
Paper Checks

Help Red Wing Credit Union Grow
On average, credit union member households in the U.S. save about $159 a year. If you love banking at Red Wing Credit Union, spread the word! Refer a friend or family member to RWCU for a checking account or a loan to earn some cash.
We're a member-owned financial institution right here in Red Wing, Minnesota. Our focus is on people, not on profit.
WEBSITE ACCESSIBILITY NOTICE
Red Wing Credit Union strives consistently to conform to WCAG 2.0 Level AA of accessibility. If you have difficulty accessing this webpage or any element of Red Wing Credit Union's website, please call us at 1-888-388-7133 or email us at memberservices@redwingcu.com.


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