Young Adults/Students

Class Act Checking

RTN’s Class Act Checking Account is designed for young people on the go.  Available for members 24 and under, Class Act Checking includes no fees, no monthly balance and:

  • Free VISA Debit card
  • No ATM fees
  • Free checks
  • ATM surcharges reimbursed up to $10 per month
  • Never a surcharge at more than 55,000 ATMs nationwide (Allpoint and SUM networks)
  • Free Mobile and Online Banking with Bill Pay and remote check deposit (DeposZip)
  • Popmoney  that lets you send and receive money to and from other people

You also receive a discount on Sprint mobile phone service and deals on dozens of online retailers including Staples, Macy’s and Target just by being an RTN member with Everyday Specials.

Plus, you’ll receive a $10 gift card to either Dave and Busters or Starbucks just by opening a Class Act Checking account.

Not a member? Join RTN today!

Already a member? Open your Class Act Checking Account.

There are no monthly fees and no minimum balance required. Members must enroll in RTN Online Banking and eStatements to be eligible. $25 minimum deposit in the Main Share account required to create your RTN membership and open the Class Act checking account. Individuals under age 18 need a cosigner of legal age on the account. DeposZip is available for members with no credit score or score equal to or higher than 600. Limits include $250 per item; $1,000 per day; $5,000 rolling 30 days. VISA Debit card limits include $500 ATM/$500 Point of Sale online and $50 ATM/$100 Point of Sale offline. 


For college students:  Each year, RTN sponsors the James A. Burley, Jr.  Scholarship Contest. The Burley Scholarship honors James A. Burley, Jr., RTN’s former chairman and director, who served the Credit Union for over 31 years. Students can win scholarships of $5,000 for first place; $3,000 for second place; and $2,000 for third place.  The contest is open to members and dependents of members in good standing.

Congratulations to the 2016 James A. Burley, Jr., Scholarship Contest Winners

First Place:  Sarah Wilkinson of Canton, MA,  who is attending Union College

Second Place:  Alexandra Cataldo of Waltham, MA , who is attending James Madison University

Third Place:  Grant Hespeler of Andover, MA, who is attending University of Massachusetts, Amherst

We also participate in the annual Cooperative Credit Union Association, Inc. College Scholarship Contest.  The Credit Union sponsors the top entries from high school seniors who are RTN members or have a parent or guardian who is a member. Six $1,500 prizes are awarded by the Association.

Cents-ible Savers Club

Our Cents-ible Savers Club is designed to help elementary school aged kids develop smart financial habits early in life. On a monthly basis, an RTN representative will visit a school that participates in the Cents-ible Savers Club and collect deposits from our young Credit Union members. Kids can watch their money grow and learn early how to save.

The Cents-ible Savers Club currently is available at Our Lady’s Academy and the Plympton elementary schools in the City of Waltham. Each student participating in the Club needs an adult aged 18 or older to be co-owner on the account.

Savings Accounts

Kids of any age can open an RTN Savings Account. In fact, establishing saving habits while young is a great way for a child to learn about finances. Those under 18 needs an adult aged 18 or older to be co-owner on the account.