Checking Accounts

All of our Personal Checking Accounts include:

*NON US TRANSACTIONS IN FOREIGN CURRENCY-Mastercard® will use the current conversion rate, convert the transaction into a U.S. dollar amount and charge a cross border assessment amount to go along with a separate international transaction fee.

Checking Account Comparison

Thank you for your interest in a Rio Bank checking account. From our basic Prestige Checking and most popular Rio Advantage Checking account, to our interest paying Money Market account, the account comparison table is an easy reference guide to help you find the best checking account to meet your personal needs.

At this time you can only open an individual account online. To open a joint owners account, visit a Rio Banking Center.

*Mailed Consumer Statement Fee - Avoid mailed consumer statement fee with Electronic Statement (E-Statement) enrollment

**Courtesy Pay – Subject to Eligibility

¹ Additional Terms: In order to receive the premium interest rate on deposits up to $50,000 all of the following are required to be posted during the monthly statement cycle for this type of account:
10 posted debit card transactions, Electronic Statement (E-Statement) and 1 deposit of $250 or higher.

² Interest will not accrue on days the balance is less than $2,500.

³ Interest will not accrue on days the balance is less than $100,000.

Rio Advantage Checking

Rio Bank’s premier package account includes benefits that provide safety and peace of mind for your family with Accidental Life Insurance and prevents from becoming a victim of Identity Theft.

*NOT FDIC-INSURED, NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY, NOT GUARANTEED BY THE BANK, NOT A DEPOSIT, MAY GO DOWN IN VALUE.

Prestige Direct Deposit Checking

A hassle free account that removes the risk of losing a paper deposit. Expedites your funds.

• $50.00 minimum to open
• A mailed consumer statement fee waived with Electronic Statement (E-Statement) enrollment.
• Non-interest bearing account
• Avoid monthly service charge by receiving a Monthly Direct Deposit of $100 or more

Bonus Checking

Earn more money on your account with bonus payment directly into your account.

• $50.00 minimum to open
• Required Electronic Statement (E-Statement) enrollment
• Non-interest bearing account
• As an account bonus, .20% will be paid at the end of the statement cycle for each dollar amount posted on either signature-based or PIN-based purchases.

The Money Maker

Rio Bank’s premier interest paying account with unlimited check writing and unlimited debit card usage.

• $50.00 minimum to open account
• No debit card monthly fee
• Required Electronic Statement (E-Statement) enrollment
• Additional Terms: In order to receive the premium interest rates on deposits up to $50,000 all of the following is required to be posted during the monthly statement cycle for this type of account: 10 posted debit card transactions, Electronic Statement (E-Statement) and 1 deposit of $250 or higher. Interest is paid on balances over $50,000 at the current NOW Checking account rate (rates are variable and subject to change without notice).
• The Bank will reimburse ATM fees from foreign non-Rio Bank ATM transactions up to $12 per monthly statement cycle. 

Prestige Money Market 

A flexible checking account with the earning power of a savings account.

• $50.00 minimum to open
• Monthly mailed statement. Electronic Statement (E-Statement) enrollment available.
• Minimum balance to avoid imposition of fees – A service charge of $15.76 will be imposed every statement cycle if the balance in the account falls below $2,500 any day of the cycle.
• Minimum balance to obtain the annual percentage yield disclosed – You must maintain a minimum balance of $2,500 in the account each day to obtain the disclosed annual percentage yield.
• You may make six (6) withdrawals per monthly statement cycle at no charge. Each additional withdrawal will result in a service charge of $16.76.
• Effect of closing an account — if you close your account before interest is credited, you will not receive the accrued interest.

Personal Jumbo Money Market 

Limited transactions, higher balance.

• $100,000 minimum to open
• Monthly mailed statement. Electronic Statement (E-Statement) enrollment available.
• Minimum balance to avoid imposition of fees – A service charge of $25.96 will be imposed every statement cycle if the balance in the account falls below $100,000 any day of the cycle.
• Minimum balance to obtain the annual percentage yield disclosed – You must maintain a minimum balance of $100,000 in the account each day to obtain the disclosed annual percentage yield.
• You may make six (6) withdrawals per monthly statement cycle at no charge. Each additional withdrawal will result in a service charge of $26.96
• Effect of closing an account — if you close your account before interest is credited, you will not receive the accrued interest.

Young Generation Checking

Available to customers from 16-23 years of age.

• $50.00 minimum to open
• No debit card monthly fee
• The following is required for this type of account:
• Enroll in Online banking
• Download Rio Bank app
• Sign up for E-Alerts
• Electronic Statement (E-Statement) enrollment
• Non-interest bearing account

**Note: Upon reaching 24 years of age, the account will automatically switch to a Bonus Checking. Customers under the age of 18 must have an adult co-owner on the account.

EZ Checking

Rio Bank’s certified Bank On account for individuals who are looking for their first account or who need a basic account with online and mobile access.

• $25.00 minimum to open
• EZ Checking mailed statement fee waived with Electronic Statement (E-Statement) enrollment
• Non-interest bearing account
• 1 direct deposit or 1 Online bill payment each month