Redwood Credit Union account fees
Redwood Credit Union's checking page prints $0 a month for Free Checking and Direct Access Checking, and $7 for Benefits Checking. The personal cost recovery schedule is effective 7 October 2025. Non-sufficient funds are $7 per presentment. Overdraft Pay Advantage is $14 per presentment. The wider table is US overdraft fees by bank.
Last updated: October 26, 2026
Last checked: Oct 2026
Monthly fee by account
Opened 26 October 2026. The checking page prints a monthly fee of $0 for Free Checking, $0 for Direct Access Checking, and $7 for Benefits Checking. Free Checking has no minimum balance. Direct Access Checking has no minimum balance. Benefits Checking needs $25 to open. The page says Direct Access Checking has no overdraft charges. A regular savings deposit of $5 is required to open a checking account.
The personal fee schedule, effective 7 October 2025, prints no monthly minimum balance fee (N/A) for Regular Checking, Direct Access Checking, and No Fee Checking. Plus Checking and Dividend Bearing Checking are $3, waived with a $500 minimum daily balance. High Balance Checking is $6, waived with a $2,500 minimum daily balance. Benefits Checking is $7, and the waiver column is N/A. A footnote says No Fee Checking, Dividend Bearing Checking, and High Balance Checking are no longer available for new accounts effective 30 October 2024. The schedule uses the name Regular Checking. The checking page uses the name Free Checking. This page does not treat those as the same row. Regular Savings has a $3 monthly minimum balance fee. It can be waived with a $75 balance on the last day of the month, or by enrolling in Round Up & Save or Simple Save and keeping an active checking account. Active checking, for that waiver, means three transactions a month, excluding dividend posting, fees, or telephone teller transactions. The reading guide is US bank fee guides. The line on your own statement is the one that counts. Upload it on the upload page. The PDF stays on your device. Expenvo lists the lines. It does not call the institution.
| Account | Monthly charge | What the page also prints |
|---|---|---|
| Free Checking | $0 | Checking page. No minimum balance |
| Direct Access Checking | $0 | Checking page says no overdraft charges. Schedule prints N/A |
| Benefits Checking | $7 | Checking page and schedule. Schedule prints no waiver. $25 to open |
| Plus Checking | $3 | Schedule. Waived at a $500 minimum daily balance |
| High Balance Checking | $6 | Schedule. Waived at $2,500. Not open to new accounts from 30 October 2024 |
NSF, foreign transaction, ATM, and wires
The same schedule prints non-sufficient funds at $7 per presentment. It says returned checks and ACH transactions may be presented more than once. Overdraft Pay Advantage is $14 per presentment. A return of a cashed or deposited item from self is $22 per item. The schedule does not name Direct Access on those rows. The checking page is the page that says Direct Access Checking has no overdraft charges.
A debit card foreign transaction is 1% of the U.S. dollar amount of the transaction. With a checking account, Redwood reimburses the other ATM fee for the first two transactions a month. With a checking account plus an active loan or credit card, it reimburses the first four. On the schedule, active means a loan or credit card with at least one transaction or payment in the prior month. The cap is $10 a transaction. Direct Access checking is not eligible. Casino, gambling, and ATMs outside the U.S. are excluded. The checking page also says active checking means 3 or more transactions a month, excluding telephone teller, fee, or dividend posting transactions, and that ATMs with a fee over $10 are excluded. The schedule does not print a separate Redwood surcharge for using another ATM.
A domestic outgoing wire is $20 in digital banking and $25 in a branch or by phone. An international outgoing wire is $45. An international wire in foreign currency adds an exchange of 1% of the wire amount. The schedule does not print an incoming wire dollar. A stop payment is $22. The monthly list is US monthly checking fees by bank. ATM rows for other banks are on US ATM fees by bank. A yearly total from numbers you type is on the bank fee calculator. It does not look up this institution.
Questions
- How much is Redwood Free Checking a month?
- The checking page prints $0 for Free Checking and $0 for Direct Access Checking. Benefits Checking is $7. The 7 October 2025 schedule prints $3 for Plus Checking, waived at a $500 minimum daily balance.
- How much is a Redwood NSF fee?
- The personal schedule prints $7 per presentment for non-sufficient funds and $14 per presentment for Overdraft Pay Advantage. The checking page says Direct Access Checking has no overdraft charges. The schedule does not name Direct Access on the NSF rows.
- Does Redwood charge a foreign transaction fee?
- Yes. The 7 October 2025 schedule prints 1% of the U.S. dollar amount for a debit card foreign transaction.