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Personal Checking Accounts

Ultimate Checking

Learn more about Ultimate Checking

Ultimate Checking

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 service charge if average daily balance falls below $3,000

Student Checking

Open a Student Checking Account to receive $50*

Open a student checking account and receive $50*

*Subject to approval. Additional terms and conditions may apply. Open to students age 12-25 years old. If student is under 18, adult joint owner required. Open a new student checking account between 6/1/2021 and 8/31/2021 with a minimum opening deposit of $50.00 and receive the bonus of $50 deposited to the new account 45 days after account opening. Bonus will be reported by 1099INT .

Banking on the Go for students 25 and under

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

**Open to students 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:

  • 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 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
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.
Adult Joint Owner signature required for those 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

Business Basic Checking

Designed for commercial accounts with limited transactions

  • Minimum balance: None
  • Monthly fee: None
  • No fee on first 50 checks/debits and first 100 deposit items made during a statement cycle
  • Charge of $.08 per debit and $.10 per transit item (not on-us) deposited will be assessed on any items over the limit
  • Minimum to open: $100

Business Interest Checking

Designed for all forms of business accounts

  • Interest paid on the average daily balance
  • Monthly fee: None
  • $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
  • Minimum to open: $5,000

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

Apply for your Business Card Today!