“I am very impressed with the quick response that I have received from Radiant Credit Union. You just can’t find that type of customer service anymore. I look forward to doing business with them.”
Checking accounts
Checking Accounts
Opening a checking account with Radiant is not just about securing your money it's about creating a partnership with financial experts who are dedicated to making your financial dreams a reality.
Radiant's checking accounts are designed to meet your needs with convenience and flexibility in mind. Pick the right account that fits your needs, using our comparison chart.
Free Checking
Free Checking gives you an account free of monthly fees. Enjoy peace of mind with no minimum balance.
Interest Checking
Put your money to work for you by earning dividends on every dollar.
Basic Checking
The right account for reestablishing or starting your checking relationship.
Youth Checking
Start your teen's financial independence and money management skills!
Debit Cards
Visa® Debit Card convenience plus our exclusive Nickel Back Rewards.
Direct Deposit
Deposit payday or monthly checks automatically, plus access up to 24-hours early.
Even-Up Savings
Our exclusive savings account that helps your spare change add up.
ClickSWITCH
Moving your direct deposit or automatic payments made easy!
SwitchCards
Manage all your online subscriptions and stores in one place.
Which Account is Right For You?
| Free Checking | Interest Checking | Basic Checking | Youth Checking | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Feature |
Minimum Opening Deposit |
Free Checking |
$0 |
Interest Checking |
$0 |
Basic Checking |
$0 |
Youth Checking |
$0 |
|||||||
| Feature |
Monthly Service Fee |
Free Checking | Not included | Interest Checking |
$5 (balances below $500) |
Basic Checking |
$10 |
Youth Checking | Not included | |||||||
| Feature |
Requires Adult Joint Account Holder |
Free Checking | Not included | Interest Checking | Not included | Basic Checking | Not included | Youth Checking | Included | |||||||
| Feature |
Earns Interest |
Free Checking | Not included | Interest Checking | Included | Basic Checking | Not included | Youth Checking | Not included | |||||||
| Feature |
Visa Debit Card Access |
Free Checking | Included | Interest Checking | Included | Basic Checking | Included | Youth Checking | Included | |||||||
| Feature |
Nickel Back Rewards |
Free Checking | Included | Interest Checking | Included | Basic Checking | Included | Youth Checking | Included | |||||||
| Feature |
Free eBanking and Mobile App |
Free Checking | Included | Interest Checking | Included | Basic Checking | Included | Youth Checking | Included | |||||||
| Feature |
Free Monthly eStatements |
Free Checking | Included | Interest Checking | Included | Basic Checking | Included | Youth Checking | Included | |||||||
| Free Checking | Minimum Opening Deposit |
$0 |
Monthly Service Fee |
Not included | Requires Adult Joint Account Holder |
Not included | Earns Interest |
Not included | Visa Debit Card Access |
Included | Nickel Back Rewards |
Included | Free eBanking and Mobile App |
Included | Free Monthly eStatements |
Included |
| Interest Checking | Minimum Opening Deposit |
$0 |
Monthly Service Fee |
$5 (balances below $500) |
Requires Adult Joint Account Holder |
Not included | Earns Interest |
Included | Visa Debit Card Access |
Included | Nickel Back Rewards |
Included | Free eBanking and Mobile App |
Included | Free Monthly eStatements |
Included |
| Basic Checking | Minimum Opening Deposit |
$0 |
Monthly Service Fee |
$10 |
Requires Adult Joint Account Holder |
Not included | Earns Interest |
Not included | Visa Debit Card Access |
Included | Nickel Back Rewards |
Included | Free eBanking and Mobile App |
Included | Free Monthly eStatements |
Included |
| Youth Checking | Minimum Opening Deposit |
$0 |
Monthly Service Fee |
Not included | Requires Adult Joint Account Holder |
Included | Earns Interest |
Not included | Visa Debit Card Access |
Included | Nickel Back Rewards |
Included | Free eBanking and Mobile App |
Included | Free Monthly eStatements |
Included |
Our Members are Talking
Josie R.
“I love Radiant Credit Union. I've never been in and had a bad experience. Great place to do business.”
Dewayne
“Everyone I dealt with was so professional and the customer service was outstanding. Been doing business with Radiant for years and will continue taking my business there for years to come. Thank you!”
Robert L.
