Checking Accounts
Free Checking Accounts
Free Checking with VISA Debit, Free Home Banking, FreeBill Pay, and Overdraft Protection.
- VISA Debit Card
- Free Online Bill Pay
- Over 30,000 surcharge-free ATMs
Accounts
Free Checking, and the savings that pair with it.
It's your money and you want to know it is safe and secure but available to you when you need it. That's what an Ridgeline Credit Union FREE Checking Account provides. Keep your money safe until you need it, access it by writing checks, using a debit card or making online payments.
Free Checking
For everyday spending. VISA Debit, Free Home Banking, FreeBill Pay, and Overdraft Protection.
- Minimum balance required $100.00
- Annual Percentage Yield 0.05% APY as of August 31, 2026
- VISA Debit Card Yes
- Free Online Bill Pay Yes
- Surcharge-free ATMs Over 30,000 on CO-OP
Most members start here.
Regular Savings
The share account that makes you an owner. Every member has one.
- Minimum balance $25.00
- Dividends paid On balances of $100 or more
- Annual Percentage Yield 0.10% APY as of August 31, 2026
- Withdrawals Unlimited
- Share deposit to join $25.00
Required to join.
Super Saver
For money you are not spending this month. A higher dividend than Regular Savings.
- Minimum balance $2,500.00
- Annual Percentage Yield 1.01% APY as of August 31, 2026
- At $20,000.00 1.26% APY as of August 31, 2026
- Withdrawals Unlimited
- Pairs with Free Checking
Move money any time.
| Feature | Free Checking |
|---|---|
| Minimum balance required | $100.00 |
| Annual Percentage Yield | 0.05% APY as of August 31, 2026 |
| VISA Debit Card | Yes |
| Apple Pay, Google Pay, Samsung Pay | Yes |
| Free Online Bill Pay | Yes |
| Free Home Banking and mobile app | Yes |
| Mobile app and email alerts | Yes |
| Direct deposit | Yes |
| Surcharge-free ATM access | Over 30,000 ATMs on the CO-OP network |
| Overdraft protection | Yes |
| Federally insured | To at least $250,000 by NCUA |
Included with all three
The parts big banks charge extra for.
These come standard, whichever account you pick.
Direct deposit
Have your pay sent straight to your checking account, so it is there without a trip or a deposit slip.
VISA Debit Card
Works at the counter and in Apple Pay, Google Pay, and Samsung Pay. New cards are tap-to-pay, and you set your own PIN when you activate.
Over 30,000 surcharge-free ATMs
Use the CO-OP network nationwide with your VISA Debit Card. Our own ATM sits outside the office and runs 24 hours.
Free Home Banking and FreeBill Pay
Check balances, move money, and pay bills from Mobicint on a computer or from your phone.
Overdraft protection
Overdraft line of credit available on approved credit (OAC). Certain terms apply. See credit union for further details.
A phone number a person answers
Call (801) 328-1521 Monday through Friday, 9:00 AM to 5:00 PM, and talk to someone at our Salt Lake City office.
Digital banking
Your credit union, in your pocket.
Everything you would drive in for, handled from the app. Same account, same people behind it.
- Mobicint online and mobile bankingCheck balances, review account history, and move money between your accounts.
- Mobile check depositDeposit a check from your phone instead of driving downtown with it.
- Online Bill Payer and Web StatementsPay the bills that repeat every month, and read your statement online instead of waiting on the mail.
- Card Suite LiteInstant alerts on every transaction, spending limits by merchant or category, freeze and unfreeze the card, and a searchable spending history.
- Digital walletsAdd your VISA Debit Card to Apple Pay, Google Pay, or Samsung Pay.
Your protections
What happens when something goes wrong.
Overdrafts, fraud, and worst-case questions, answered before you need the answer.
Overdraft, your choice
Overdraft line of credit available on approved credit (OAC). Certain terms apply. See credit union for further details.
Card controls in your pocket
Card Suite Lite sends an alert for every transaction and lets you freeze the card the moment something looks wrong. Set spending limits by merchant or category, and search past transactions when you cannot place a charge.
Federally insured to $250,000
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.
“I love this credit union so much that even though we moved out of state last year, we continue to use them as our primary credit union, and have had ZERO issues with not being able to visit the branch…”
Lenni S. · Google review
Opening an account
Four steps. It starts at the office.
There is no online application. Come to 564 East 300 South or call and we will mail one to you.
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Check you can join
If you live, work, worship, volunteer, or attend school in Salt Lake City, you qualify. So do your immediate family and the people in your household.
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Get the application
Pick one up at 564 East 300 South, or call (801) 328-1521 and we will mail one to you.
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Bring your details
Your name, address, date of birth, Social Security number, and a government photo ID.
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Open your share and your checking
A $25.00 share deposit makes you an owner. Open Free Checking at the same time and we will get your VISA Debit Card set up.
What to have handy
- A driver’s license or other government photo ID
- Your Social Security or ITIN number
- Your current address and date of birth
- $25.00 for your share deposit
Switching from another bank? Bring a recent statement and we will help you move your direct deposit and the payments that come out every month, so nothing bounces mid-switch.
Questions
Answers before you apply.
Can I open a checking account online?
No. Membership starts with a paper application. Come to 564 East 300 South in Salt Lake City during business hours, or call (801) 328-1521 and we will mail one to you.
Who can join Ridgeline Credit Union?
People who live, work, worship, volunteer, or attend school in Salt Lake City, Utah, along with businesses and legal entities located there, members of record as of September 26, 2017, and immediate family and household members. Immediate family means a spouse, child, sibling, parent, grandparent, or grandchild, including step and adoptive relationships.
What does it cost to become a member?
A $25.00 share deposit. That money stays yours. It represents your share in the credit union, and it is what makes you an owner rather than a customer.
Which ATMs are free?
Our ATM outside the office is available 24 hours, and your VISA Debit Card works surcharge-free at over 30,000 ATMs on the CO-OP network nationwide. We are also part of the CO-OP Shared Branch network, and we host shared branch services for other credit unions’ members downtown.
What happens if I overdraw the account?
Link a savings account and we can transfer the money to cover it. An Overdraft Transfer is $5.00, and you may make up to 6 transfers online each month for free. An overdraft line of credit is also available on approved credit. If an item comes back unpaid instead, the non-sufficient funds fee is $30.00. Every one of these is listed in our fee schedule.
Is my money safe at a credit union?
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.
Account disclosures
APY = Annual Percentage Yield. Deposit rates and APYs shown on this page are accurate as of August 31, 2026 and may change at any time after account opening. Checking earns a 0.05% dividend rate and 0.05% APY on a minimum balance required of $100.00. Regular Shares earn a 0.10% dividend rate and 0.10% APY on a minimum balance required of $50.00. Super Saver earns a 1.00% dividend rate and 1.01% APY on a minimum balance required of $2,500.00, and a 1.25% dividend rate and 1.26% APY on a minimum balance required of $20,000.00. Fees may reduce earnings.
Membership requires a $25.00 share deposit and eligibility under our field of membership. There is no online membership application. Applications are completed at our office at 564 East 300 South, Salt Lake City, UT 84102, or mailed to you on request. Surcharge-free ATM access is provided through the CO-OP network. An overdraft line of credit is available on approved credit and certain terms apply. Overdraft and other fees are described in our fee schedule. Full account terms are described in the Truth in Savings disclosure provided at account opening.
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency. Ridgeline Credit Union is an Equal Housing Lender. We do business in accordance with the Fair Housing Act and the Equal Credit Opportunity Act. Membership eligibility required.
Routing Number: 324078417