Thank you for your interest in a Rio Bank checking account. From our basic Simple 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 serve your unique needs. 

Personal Checking Accounts                Apply for a Personal Account Today!                                   

Compare Account FeaturesRio Advantage Checking

Benefits

Direct Deposit CheckingBonus CheckingSimple Checking eChecking Plus  Money Market Checking Young Generation CheckingFresh Start Checking
Minimum Opening Deposit $50 $50 $50 $50 $50 $50 $50 $100
Allpoint Resized
OVER 55,000 SURCHARGE-FREE ATMS WORLDWIDE***
Checkmark Checkmark Checkmark Checkmark Checkmark  Not offered Checkmark Checkmark 
Online & Mobile Banking, Bill Pay, Mobile Deposit, Email + Text Alerts Checkmark Checkmark Checkmark Checkmark Checkmark Checkmark Checkmark  Checkmark
Online Bank Statements Checkmark* Checkmark* Required Checkmark* Required Checkmark

Required

Checkmark
Monthly Service Charge $7.56 $12.56 $3.562 $5.56 $15.56¹ $15.56³ 0.004 $11.56 
How to Avoid Service Charge   Monthly direct deposit $100 or over Collected balance over $250  Collected balance over $250  Collected balance over $2500  Collected balance over $2500  No monthly service charge   
Rio Bank Custom Checks Checkmark              
Monthly Debit Card Fee   $1.46 $1.46 $1.46   Not offered   $1.46 
$30,000 Accidental Death / $60,000 Common Carrier Insurance ** Checkmark              
Cyber Scout™ (Identity Theft Service) Checkmark              
Savings Made Easy (Mobile App Discount) Checkmark              
Rio Official Checks - 50% off Checkmark              
Domestic Wire Transfers - 50% off Checkmark              
Interest Paid Monthly          Checkmark1 Checkmark3    
Debit Card Payout Bonus     Checkmark          
Checkmark = INCLUDED IN ACCOUNT PACKAGE
*  MAIL STATEMENT FEE-SEE SCHEDULE OF FEES
Avoid mail statement fee with Electronic Bank Statement Enrollment
** NOT FDIC-INSURED, NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY, NOT GUARANTEED BY THE BANK, NOT A DEPOSIT, MAY GO DOWN IN VALUE.
*** NON US TRANSACTIONS IN FOREIGN CURRENCY - MasterCard® will use the current conversion rate, convert the transaction into a US Dollar amount and charge a Cross Border Assessment amount to go along with a separate Int'l transaction fee.
1 Premium interest rates on deposits up to $25,000 (rates are variable and subject to change without notice). Minimum of 15 Debit Card transactions posted during statement cycle, one Online Bill Payment through iPay®.    Interest paid on balances over $25,000 at Now Checking rate. Electronic Bank Statement and one Direct Deposit per month required.
Automatic reimbursement of A.T.M. fees from other banks up to $12 per statement cycle.
2 20 Basis Points paid at end of statement cycle for dollar amount spent for either signature based or pin based purchases.
3 Tier Variable Rate of Interest. Interest will not accrue on days the collected balance is less than $2500. Limitations (6) withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instructions, computer transfer, or by check, draft, debit card or similar order to a third party. $15.00 per transaction in excess to (6) per statement cycle. Exceeding regulatory limitation of six (6) transactions per month may require the account to be transferred to another product or closed.
4 Checking account for ages (16-23) if under 18 years of age open account with an adult co-owner. Must enroll to Online Banking and download the App & sign up for E Alerts. Electronic Bank Statement required. Upon reaching 24 years of age account will automatically switch to a Bonus Checking Account.

Schedule of Fees

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