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Checking

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

 


Personal Checking Accounts

Ultimate Checking

A paperless checking account that offers the best of everything. If you like to get the most for your money, Ultimate checking is for you.

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 2.97% 3.01%
$25,000.01 and up 0.25% 0.25%
Don't meet account requirements all balances 0.05% 0.05%
     
  1. Ultimate rate 3.01% Annual Percentage Yield (APY) paid on balances between one penny and $25,000.00. APY of 0.25% paid on all amounts above $25,000.00 each cycle the minimum qualifications are met. If you do not meet the qualifications per cycle, your account will still function as a free checking account earning Base Rate 0.05% APY. Checking rates effective as of 10/12/2018. We may change the APY at any time after the account is opened. No minimum balance required, however, you must deposit $50 to open this account. Available to personal accounts only. No monthly service charge. Subject to credit approval. A penalty will be imposed for closing account within the first six months
  2. Fees may apply at non-Reliabank ATM's. Parent/guardian co-sign required for those under age 18

ID TheftSmart™


Free Checking

FREE account for everyone


  • No minimum balance
  • No monthly service charge
  • Unlimited check writing

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 if average daily balance falls below $3,000

Student Checking

Banking on the Go for students 25 and under

  • Debit Card
  • Free Online Banking
  • Free Mobile Banking
  • Online Bill Pay
  • Free eStatemtents
  • Free checks
  • Minimum opening deposit $50

**Open to students 25 and under. Parent Guardian signature required for students under 18. Subject to approval.



Compare Personal Accounts

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 Check Mark Check Mark Check Mark Check Mark
Free Online Banking Check Mark Check Mark Check Mark Check Mark
Free eMobile Banking 3 Check Mark Check Mark Check Mark Check Mark
Online Bill Pay Check Mark Check Mark Check Mark Check Mark
Free E-statements Check Mark Check Mark Check Mark Check Mark
Check Discounts   FREE    
Interest Earning Accounts     Check Mark Check Mark
Minimum Opening Deposit $50.00 $50.00 $3,000.00 $50.00
Average Daily Balance $0.00 $0.00 $3,000.00 $0.00
Monthly Service Fee * $0.00 $0.00 $12.00
maintenance fee
$0.00
Debit item fee $0.00 $0.00 $0.00 $0.00
         

*Premium Checking- The monthly service 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
Corporations cannot have an interest-bearing NOW account
Fees may apply at non-Reliabank ATM's.
Parent/guardian signature required for students under age 18
Fees could reduce the earnings on the account



Open an account at your convenience

Online Application

Ready to make the switch to Reliabank? We make it easy!

Business Accounts

Choose the right checking account for your business needs.

Business Basic Checking

Designed for commercial accounts with limited transactions

  • Minimum balance: None
  • Monthly fee: None
  • No fee on first 100 deposit items made during a statement cycle
  • Charge of $.10 on each debit and transit item (not on-us) deposited over the limits in a statement cycle
  • Minimum to open: $100

Business Checking

Designed for commercial accounts with a high volume of transactions

  • Minimum Balance: $100
  • Monthly fee: $5
  • Debit fee: $.10 per item
  • Credit fee: None
  • Deposit fee: on us – none
  • Local - $.08/item - not on us
  • Transit - $.08/item - not on us

The fees listed above can be offset by a service charge credit that is given on the average collected balance and is computed using the average 3-month Treasury Bill

Compare Business Accounts

Business Basic Checking Business Checking Business Interest
Description Designed for commercial accounts with limited transactions Designed for commercial accounts with high volume of transactions Designed for all forms of business accounts
Minimum balance to open $100 $100 $5,000
Interest None None Interest will be paid on the average daily balance.
Monthly fees None $5 None
Other fees No fee on first 50 checks/debits and first 100 deposits made during a statement cycle.

A charge of $.08 on each debit and transit item (not on us) deposited over the limits in a statement cycle.
Debit Fee: $.10/item
Credit Fee: None*
Deposit Fee: Local-$.06/item | Transit-$.06/item

*The fees listed above can be offset by a service charge credit that is given on the average collected balance and is computed using the average 3-month Treasury Bill
$15.00 service charge

$.15 per credit to account

$.08 per transit item (not on us) deposited

$.10 per debit to account

$.0014 per $100 Average Balance for FDIC Insurance
       

Enhance your account with a Visa Business Credit Card or MasterCard Debit Card


Apply for your Business Card Today!