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A Free Checking Account with Great Benefits.

Checking Account

We have the ideal free share draft (checking) account to fit your needs.  Our checking account was designed to keep it simple and free!

You can join RFCU through our partnership with Financial Fitness Association (FFA) or as a Novartis employee or contractor.

Opening a Share draft (checking) is easy!  Already a member, simply complete the account change form and send it to us at ridgedale@ridgedalefcu.org, fax to 973-947-1001, or mail to our branch.

Not a member yet? You can establish your membership with a Share (savings) account, and open the Share Draft at the same time.  Complete the secure online membership application below.  At the end of the application, you will be required to upload your official government issued ID, proof of address and any other required documentation. 

 Account Change Form    Membership Application    

Benefits

  • No minimum balance or monthly fees
    • A $50.00 opening deposit is required.
  • Rewards Visa Debit card
  • Use with your Digital Wallet
  • Over 55,000 free ATMs Worldwide
  • Over 5,000 Shared Branches
  • Overdraft line of credit available*
  • Overdraft transfer from savings**

 

  • Online Banking and Bill Pay
  • Mobile App
  • Instant digital card replacement
  • Zelle
  • 30 free checks

 

  • Transfer funds 3 ways:
  1. To/from your RFCU accounts,
  2. To/from other RFCU accounts
  3. To other Financial Institutions where you have an account

 

 

Checking

Get your checks sent directly to you.

Order your checks online with Main Street, the credit union’s partner.

NOTE, first time check orders need to be completed with a Ridgedale FCU staff member, please call 973-947-1000 for assistance.

View Catalog   Order Online

 

Get Started

Rates and Disclosures

Share Draft/Checking
Effective Date: 10/31/2025, Rates Subject to Change
Account TypeDividend RateAPY
Share Draft/Checking 0.01% 0.01%
SHARE DRAFT ACCOUNTS: APY= ANNUAL PERCENTAGE YIELD. SHARE DRAFT ACCOUNTS WITH AVERAGE DAILY BALANCES UNDER $500 ARE NOT PAID A DIVIDEND. FEES MAY REDUCE EARNINGS ON THE ACCOUNT. APY IS ACCURATE AS OF THE LAST DIVIDEND DECLARATION DATE. RATE SUBJECT TO CHANGE WITHOUT NOTICE.

*SUBJECT TO CREDIT APPROVAL AND CREDIT UNION LENDING GUIDELINES. TERMS AND CONDITIONS MAY APPLY.
**THERE IS A $5.00 FEE PER TRANSFER.

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