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Ultimate Checking

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.

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

Open an account at your convenience

Online Application

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%

  1. *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.
  2. Fees may apply at non-Reliabank ATM's.
  3. Adult Joint Owner co-sign required for those under age 18.
  4. *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.