Checking
Personal Checking Accounts
Ultimate Checking
Annual Percentage Yield of 5.03%
A paperless, interest bearing account that offers the best of everything, including free ID TheftSmart Restoration to primary account holders. 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 | 4.92% | 5.03% |
| $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 March 10, 2023, 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: 1) 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) 2) have at least one direct deposit OR one ACH auto payment OR one bill pay transaction post to the account, and 3) Enroll and receive electronic statements. Qualifying accounts earn 5.03% 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.
- Fees may apply at non-Reliabank ATM's.
- Adult Joint Owner co-sign required for those under age 18.
- *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.
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 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.
Open an account at your convenience!
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 |
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| Free eMobile Banking 3 | |
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| Free E-statements | |
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| Check Discounts | FREE | |||
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| 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 Service Fee * | $0.00 | $0.00 | $12.00 service 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 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
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.