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Ultimate Checking
Discover the ultimate banking experience with Reliabank’s Ultimate Checking Account! This premier account offers unbeatable benefits designed to maximize your financial potential.
Learn MoreHere’s what you can look forward to:
High Annual Percentage Yield: Enjoy a competitive 4.03% APY.
uChoose Rewards: Earn points on every debit card purchase.
No Minimum Balance Requirement: Start earning with no minimum balance.
No Monthly Fee: Keep more of your money.
Low Minimum Opening Deposit: Open your account with just $50.
Free ID TheftSmart Restoration: Protect your identity at no extra cost.
Say goodbye to ordinary banking and hello to extraordinary benefits with Reliabank’s Ultimate Checking Account. Between earning interest on your balance and earning rewards with every debit card purchase, your money works harder for you.
Join Reliabank today and start enjoying the best of everything!
*Annual Percentage Yield
uChoose Rewards ID TheftSmart™ Restoration
Earn competitive interest when you meet these requirements:
- Make 15 debit card transactions per statement cycle
- Enroll and receive eStatements
- Have at least one direct deposit, one automatic debit, or one online bill pay clear the account per statement cycle
| Current Daily Balance of: | Interest Rate | Annual % Yield |
|---|---|---|
| $0.01-25,000.00 | 3.96% | 4.03% |
| $25,000.01 and up | 0.25% | 0.25% |
| Don’t meet account requirements all balances | 0.05% | 0.05% |
- *Annual Percentage Yield (APY) for Ultimate Checking is accurate as of December 11, 2025, and may change after the account is opened. Minimum deposit to open is $50, after that no minimum balance required. Qualification requirements per statement cycle include:
- 15 Debit Card purchases post and settle by end of the banking day on statement cycle cutoff (debit card transactions processed by merchants as ATM transactions do not qualify)
- Have at least one direct deposit OR one ACH auto payment OR one bill pay transaction post to the account, and
- Enroll and receive electronic statements. Qualifying accounts earn 4.03% APY on the portion of your balance up to $25,000, and 0.25% APY on the portion of your balance $25,000.01 and above during the statement cycle. If you do not qualify during the statement cycle, 0.05% APY will be paid on the total balance. Limited to personal accounts only.
If you have never placed an order for checks before, please contact your local Reliabank branch. The Reorder Checks feature will only work for previously placed orders.
Premium Checking
For those who want to earn higher interest rates
- Competitive interest tiered on average daily balances
- Minimum opening deposit of $3,000
- Unlimited check writing
- $12 per month maintenance fee if average daily balance falls below $3,000
Free Checking
FREE account for everyone
- No minimum balance
- No monthly service charge
- Unlimited check writing
Student Checking
Banking on the Go for those 25 and under
- Debit Card
- Free Online Banking
- Free Mobile Banking
- Online Bill Pay
- Free eStatements
- Free checks
- Minimum opening deposit $50
**Open to those age 12-25 years old. Adult Joint Owner signature required for students under 18. Subject to approval.
Compare Personal Accounts
We’ve designed our checking accounts to give you the convenience and flexibility that you deserve. Our services are accessible when and where you need them: online, through your mobile device, and in person.
Every new personal checking account includes:
Free
- Debit card
- Online banking & bill pay
- Mobile banking
- eStatements
| Free Checking | Student Checking | Premium Checking | Ultimate Checking | |
|---|---|---|---|---|
| Best for you if you want: | No monthly fee or minimum balance account | Account for students age 25 and younger | Account with competitive interest in a 5-tier plan | Account that offers the best of everything |
| Debit Card | ✔️ | ✔️ | ✔️ | ✔️ |
| Free Online Banking | ✔️ | ✔️ | ✔️ | ✔️ |
| Free eMobile Banking 3 | ✔️ | ✔️ | ✔️ | ✔️ |
| Online Bill Pay | ✔️ | ✔️ | ✔️ | ✔️ |
| Free E-statements | ✔️ | ✔️ | ✔️ | ✔️ |
| Check Discounts | FREE | |||
| Interest Earning Accounts | ✔️ | ✔️ | ||
| Minimum Opening Deposit | $50.00 | $50.00 | $3,000.00 | $50.00 |
| Required Average Daily Balance | $0.00 | $0.00 | $3,000.00 | $0.00 |
| Monthly Maintenance Fee * | $0.00 | $0.00 | $12.00 Maintenance fee |
$0.00 |
| ID TheftSmart Restoration > |
$2.00 | $2.00 | $2.00 | $0.00 primary account holder $2.00 all other account holders & signers |
*Premium Checking- The monthly maintenance fee will not apply if you maintain specified average daily balance
3 Your mobile carrier’s text messaging and web access charges may apply
Subject to approval
Rates and terms may vary
Fees may apply at non-Reliabank ATM’s.
Adult Joint Owner signature required for those under age 18
Fees could reduce the earnings on the account
*ID TheftSmart Restoration is Free to primary Ultimate Checking account holder. Available to all other account holders and signers for only $2/month per person.
Open an account at your convenience!
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