--- title: Checking Accounts at Rocky Mountain Credit Union description: RMCU offers two easy-to-use credit union checking accounts for all ages and stages of life. --- [![RMCULogoColor.jpg](https://rmcu.net/hubfs/RMCU-logo.svg "RMCULogoColor.jpg")](https://rmcu.net?hsLang=en) [Online Banking Login](https://banking.rmcu.net/auth/signin) [Online Banking Login](https://banking.rmcu.net/auth/signin) [![RMCULogoColor.jpg](https://rmcu.net/hubfs/RMCU-logo.svg "RMCULogoColor.jpg")](https://rmcu.net?hsLang=en) - - [Home Loans](https://rmcu.net/home-loans?hsLang=en) - [Personal](https://rmcu.net/personal?hsLang=en) - [Business](https://rmcu.net/business?hsLang=en) - [Membership](https://rmcu.net/membership?hsLang=en) - [Careers](https://rmcu.net/membership/about-rmcu/careers?hsLang=en) - [Contact Us](https://rmcu.net/contact-us?hsLang=en) - Search - [Checking](https://rmcu.net/personal/checking) - [Savings](https://rmcu.net/personal/savings) - [VISA Credit Cards](https://rmcu.net/personal/credit-cards) - [Personal Loans](https://rmcu.net/personal/loans) - [Vehicle & Recreation Loans](https://rmcu.net/personal/vehicle-loans) - [Loan & Gap Insurance](https://rmcu.net/loan-gap-insurance) ![happy RMCU members checking the app](https://rmcu.net/hs-fs/hubfs/rmcu-checking-graphic.png?width=1800&height=1192&name=rmcu-checking-graphic.png) # Checking Accounts ## Credit union checking accounts that earn you money Open a checking account that does more than store your money. RMCU offers two easy-to-use checking accounts for all ages and stages of life. Choose from [**Swipe Checking**](https://rmcu.net/personal/checking#swipe-checking), which gives you cash back on every debit card use\*, or [**Summit Checking**](https://rmcu.net/personal/checking#summit-checking), which earns dividends on your balance. [![APPLY NOW](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/2687142/interactive-186820366175.png)](https://rmcu.net/hs/cta/wi/redirect?encryptedPayload=AVxigLLD4dp%2FapLjZVkR4rXK1FEkgbGfskXi%2BkGiG2FqEGrWmgfF10GmL8lABK%2F3%2Fz%2B80jDlCmzOFpDn8v0d1Juxw%2FPmZvX2ubbisM6MwWdq9r6jlEvpZXeDvCLr03E9Tr%2FXJVSo6TWOkhKNNU30zLSqCFjkLE0QVyzvjKzw56DB3%2BDHyzJVm4McjWdGNJTp9A0f239qInmbNz0%3D&webInteractiveContentId=186820366175&portalId=2687142&hsLang=en) ## With any RMCU checking account, you’ll enjoy: ### Easy Transition From Your Old Checking Account The RMCU Switch Kit makes it a breeze to transfer your account funds, direct deposits, and other automatic payments seamlessly. ### Instant Debit Card Issuing Take home your new debit card the same day you open your account. ### Mobile Wallet Compatibility Connect your debit card to mobile wallets like Apple Pay, Google Pay, and Samsung Pay.   ### Credit Score Insights With our quick and easy one-page application, 24-hour approvals and instant issuing in our branches, you can be using your new Visa the day after you apply. ### Electronic Statements Access your account statements securely online through the mobile or desktop app. ### User-Friendly App Our intuitive [Rocky Mountain Credit Union Mobile App](https://play.google.com/store/apps/details?id=com.mahalo.androidmobile.rocky&hl=en_US&pli=1)makes it easy to manage your checking account. Monitor your spending, transfer funds, pay bills, and more. ## With any RMCU checking account, you’ll enjoy: Easy Transition From Your Old Checking Account The RMCU Switch Kit makes it a breeze to transfer your account funds, direct deposits, and other automatic payments seamlessly. Instant Debit Card Issuing Take home your new debit card the same day you open your account. Mobile Wallet Compatibility Connect your debit card to mobile wallets like Apple Pay, Google Pay, and Samsung Pay. Credit Score Insights Monitor your credit using [SavvyMoney](https://www.rmcu.net/savvy-money?hsLang=en), a perk built into your RMCU mobile and desktop app. Electronic Statements Access your account statements securely online through the mobile or desktop app. User-Friendly App Our intuitive [Rocky Mountain Credit Union Mobile App](https://play.google.com/store/apps/details?id=com.mahalo.androidmobile.rocky&hl=en_US&pli=1)makes it easy to manage your checking account. Monitor your spending, transfer funds, pay bills, and more. ![kayaking on a lake, an RMCU debit card and the Swipe Checking Logo](https://rmcu.net/hs-fs/hubfs/swipe-checking-graphic.jpg?width=1800&height=1192&name=swipe-checking-graphic.jpg) SWIPE Checking ## Earn cash back every time you use your debit card SWIPE Checking is an easy-to-use, cash-back checking account for anyone and everyone, from teens to retirees. However, unlike most basic checking accounts, SWIPE allows you to earn cash back when you swipe your debit card. Plus, it’s easy to use for [youth checking](https://blog.rmcu.net/youth-checking-swipe-checking?hsLang=en) – helping you set your teen up for financial success.  **Why You’ll Love SWIPE** - **Earn 10 cents back** for every debit card transaction after your first 10 purchases within a month. (Maximum of $15 in earnings per month.) - No minimum balance. *\*ATM transactions don’t earn rewards. All new accounts are verified with ChexSystems. Rates may change after the account is opened, and fees could reduce earnings.* [Apply Now](https://rmcu.symapp.jhahosted.com/) ![swipe-checking-graphic](https://rmcu.net/hs-fs/hubfs/swipe-checking-graphic.jpg?width=1800&height=1192&name=swipe-checking-graphic.jpg) Swipe Checking ## Earn cash back every time you use your debit card SWIPE Checking is an easy-to-use, cash-back checking account for anyone and everyone, from teens to retirees. However, unlike most basic checking accounts, SWIPE allows you to earn cash back when you swipe your debit card. Plus, it’s easy to use for [youth checking](https://blog.rmcu.net/youth-checking-swipe-checking?hsLang=en) – helping you set your teen up for financial success.  **Why You’ll Love SWIPE** - **Earn 10 cents back** for every debit card transaction after your first 10 purchases within a month. (Maximum of $15 in earnings per month.) - No minimum balance. *\*ATM transactions don’t earn rewards. All new accounts are verified with ChexSystems. Rates may change after the account is opened, and fees could reduce earnings. For details, refer to our [Fee Schedule](https://rmcu.net/hubfs/DISCLOSURES%20(FILES)/RMCU_ScheduleOfCharges_Members_2024-DIGITAL-2.pdf) for current charges that may apply to this account.* [![APPLY NOW](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/2687142/interactive-186820366175.png)](https://rmcu.net/hs/cta/wi/redirect?encryptedPayload=AVxigLLD4dp%2FapLjZVkR4rXK1FEkgbGfskXi%2BkGiG2FqEGrWmgfF10GmL8lABK%2F3%2Fz%2B80jDlCmzOFpDn8v0d1Juxw%2FPmZvX2ubbisM6MwWdq9r6jlEvpZXeDvCLr03E9Tr%2FXJVSo6TWOkhKNNU30zLSqCFjkLE0QVyzvjKzw56DB3%2BDHyzJVm4McjWdGNJTp9A0f239qInmbNz0%3D&webInteractiveContentId=186820366175&portalId=2687142&hsLang=en) ![woman on the summit of a mountain and the Summit Checking Logo](https://rmcu.net/hs-fs/hubfs/summit-checking-graphic-1.jpg?width=1800&height=1192&name=summit-checking-graphic-1.jpg) Summit Checking ## Earn dividends on your first $20,000 With Summit, you’ll get higher-than-average returns in a checking account without losing access to your cash. It’s a high-yield checking account that earns you dividends up to 5.00% APY\* on your first $20,000. Then, you’ll earn 0.05% APY\* on additional balances. **Monthly Minimum Qualifications to Earn Dividends** - At least ten (10) debit card transactions - Monthly direct deposit - Minimum account balance of $0.01 - All qualifying transactions must be posted and settled during the monthly qualification cycle to qualify for the higher dividend rate and APY.  If you do not meet the minimum qualifications, you will not qualify for the higher dividend rate and APY. *\*APY = Annual Percentage Yield. APY effective as of September 1st, 2025. Minimum qualifications are required to earn a higher dividend rate and APY.  You must make ten (10) debit card transactions that post and settle to your account and have at least one direct deposit. Rates may change after account opening, and fees could reduce earnings. For details, refer to our [Fee Schedule](https://rmcu.net/hubfs/DISCLOSURES%20(FILES)/RMCU_ScheduleOfCharges_Members_2024-DIGITAL-2.pdf) for current charges that may apply to this account.* [![APPLY NOW](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/2687142/interactive-186820366175.png)](https://rmcu.net/hs/cta/wi/redirect?encryptedPayload=AVxigLLD4dp%2FapLjZVkR4rXK1FEkgbGfskXi%2BkGiG2FqEGrWmgfF10GmL8lABK%2F3%2Fz%2B80jDlCmzOFpDn8v0d1Juxw%2FPmZvX2ubbisM6MwWdq9r6jlEvpZXeDvCLr03E9Tr%2FXJVSo6TWOkhKNNU30zLSqCFjkLE0QVyzvjKzw56DB3%2BDHyzJVm4McjWdGNJTp9A0f239qInmbNz0%3D&webInteractiveContentId=186820366175&portalId=2687142&hsLang=en) ## Compare Checking Accounts *Rates are subject to change after account opening. APY as of September 1st, 2025.* | | Swipe Checking | Summit Checking | | --- | --- | --- | | Minimum Balance: | None | $0.01 to earn dividends | | Incentives / Requirements: | Earn $0.10 after 10 Swipe Card transactions each month. Maximum payout of $15 per month. | Earn higher dividends on the first $20,000 when monthly qualifications are met: 10 debit card transactions and a direct deposit. This is a tiered account, if qualifications are not met you will earn a lower dividend rate. | | Pays Dividends: | No | Yes: 0.05% - 5.00% APY | | | [![APPLY NOW](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/2687142/interactive-186820366175.png)](https://rmcu.net/hs/cta/wi/redirect?encryptedPayload=AVxigLLD4dp%2FapLjZVkR4rXK1FEkgbGfskXi%2BkGiG2FqEGrWmgfF10GmL8lABK%2F3%2Fz%2B80jDlCmzOFpDn8v0d1Juxw%2FPmZvX2ubbisM6MwWdq9r6jlEvpZXeDvCLr03E9Tr%2FXJVSo6TWOkhKNNU30zLSqCFjkLE0QVyzvjKzw56DB3%2BDHyzJVm4McjWdGNJTp9A0f239qInmbNz0%3D&webInteractiveContentId=186820366175&portalId=2687142&hsLang=en) | [![APPLY NOW](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/2687142/interactive-186820366175.png)](https://rmcu.net/hs/cta/wi/redirect?encryptedPayload=AVxigLLD4dp%2FapLjZVkR4rXK1FEkgbGfskXi%2BkGiG2FqEGrWmgfF10GmL8lABK%2F3%2Fz%2B80jDlCmzOFpDn8v0d1Juxw%2FPmZvX2ubbisM6MwWdq9r6jlEvpZXeDvCLr03E9Tr%2FXJVSo6TWOkhKNNU30zLSqCFjkLE0QVyzvjKzw56DB3%2BDHyzJVm4McjWdGNJTp9A0f239qInmbNz0%3D&webInteractiveContentId=186820366175&portalId=2687142&hsLang=en) | | ### *Important Information About Opening a New Account* *To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.* *What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.* | | --- |   ![$20 dollar bill, passport, Montana id and an image of a Montana landscape](https://rmcu.net/hs-fs/hubfs/checking-with-rmcu.jpg?width=1800&height=1192&name=checking-with-rmcu.jpg) ## What Do You Need to Open a Checking Account at RMCU? Opening a checking account with RMCU is easy. You’ll need: - $20 to open your membership savings account (unless you already have one) - Two forms of identification - Proof of address - No charge-offs from another institution - Qualification to be an RMCU member. [See qualifications.](https://rmcu.net/membership?hsLang=en) [![APPLY NOW](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/2687142/interactive-186820366175.png)](https://rmcu.net/hs/cta/wi/redirect?encryptedPayload=AVxigLLD4dp%2FapLjZVkR4rXK1FEkgbGfskXi%2BkGiG2FqEGrWmgfF10GmL8lABK%2F3%2Fz%2B80jDlCmzOFpDn8v0d1Juxw%2FPmZvX2ubbisM6MwWdq9r6jlEvpZXeDvCLr03E9Tr%2FXJVSo6TWOkhKNNU30zLSqCFjkLE0QVyzvjKzw56DB3%2BDHyzJVm4McjWdGNJTp9A0f239qInmbNz0%3D&webInteractiveContentId=186820366175&portalId=2687142&hsLang=en) ## Learn More About Checking Accounts ![](https://rmcu.net/hs-fs/hubfs/Campaigns/Old%20Blogs/RMCU_Cooperative.jpg?width=700&name=RMCU_Cooperative.jpg) In The Community ### [What it Means to Be Part of a Cooperative](https://rmcu.net/blog/what-it-means-to-be-part-of-a-cooperative?hsLang=en) Do you know the difference between a credit union and a bank? It's about being a part of a cooperati... Keep Reading ![](https://rmcu.net/hs-fs/hubfs/Campaigns/Primary%20Checking/Blog%20Images/budget-talks-with-spouse.jpg?width=700&name=budget-talks-with-spouse.jpg) Tips from the Pros ### [What You Need to Know About Budget Talks With Your Spouse](https://rmcu.net/blog/what-you-need-to-know-about-budget-talks-with-your-spouse?hsLang=en) Talking money with your spouse can be a challenge but it doesn't have to be. Here are some tips for ... Keep Reading ![](https://rmcu.net/hs-fs/hubfs/Campaigns/Old%20Blogs/RMCU_mortgageprograms.jpg?width=700&name=RMCU_mortgageprograms.jpg) Home and Mortgage ### [Mortgage Program Basics](https://rmcu.net/blog/mortgage-program-basics?hsLang=en) We put together a few quick explanations of mortgage program basics to help you know what is availab... Keep Reading *Rates are subject to change after account opening. APY as of September 1st, 2025.* ## [**FOLLOW US ON INSTAGRAM**](https://www.instagram.com/rockymountaincu/?hl=en) - [Privacy Policy](https://rmcu.net/hubfs/DISCLOSURES%20(FILES)/Privacy_Notice.pdf) - [ADA Compliance](https://rmcu.net/ada-compliance) - [Careers](https://rmcu.net/membership/about-rmcu/careers) - [Fee Schedule](https://rmcu.net/hubfs/DISCLOSURES%20(FILES)/RMCU_ScheduleOfCharges_Members_2024-DIGITAL-2.pdf) ![Equal Housing Leader](https://rmcu.net/hs-fs/hubfs/raw_assets/public/RMCU_2022/images/home-lender-logo.png?width=140&name=home-lender-logo.png "Equal Housing Leader") ![American Strategic Insurance](https://rmcu.net/hubfs/raw_assets/public/RMCU_2022/images/asi-logo.svg "placeholder_200x200") Each account is insured by American Share Insurance up to $250,000. By members' choice, this institution is not federally insured. [![RMCULogoColor.jpg](https://rmcu.net/hubfs/RMCU-logo.svg "RMCULogoColor.jpg")](https://rmcu.net?hsLang=en) All share and loan accounts are subject to membership eligibility. Equal Housing Opportunity. **RMCU NMLS# 585490** © 2026 Rocky Mountain Credit Union All Rights Reserved × ## You Are Leaving Our Website You are leaving the Rocky Mountain Credit Union website and accessing a third-party website. The privacy, security, and accessibility policies of third-party websites may differ from those of Rocky Mountain Credit Union. We encourage you to review the policies of any website you visit. Rocky Mountain Credit Union is not responsible for the content, privacy, security, or availability of external websites and does not endorse or guarantee the products, services, or information they provide. Stay Here Continue ```json { "@context" : "https://schema.org", "@type" : "FAQPage", "mainEntity" : [ { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "

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