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Checking Accounts

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All of our Personal Checking Accounts include:

  • 55,000 Allpoint® surcharge-free ATM network
  • Online Banking
  • Mobile Banking
  • Mobile Deposits
  • Bill Pay
  • eStatements
  • Debit MasterCard®
  • Notifi Alerts
  • Automated TeleBanc
  • Jet Coin Available

*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.

Account TypeMin. Opening DepositMonthly Debit Card FeeeStatementsMonthly Service ChargeMinimum Balance to Avoid Imposition of FeesInterest Paid MonthlyOverdraft Protection
 Compare Checking Account Features
Rio Advantage Checking $50 None *Available $7.76  None   N/A **Overdraft Protection
Prestige Direct Deposit Checking $50 $1.76 *Available $12.76  Monthly direct deposit $100 or more  N/A **Overdraft Protection
Bonus Checking $50 $1.76 Required   $3.76 $250   N/A **Overdraft Protection
Prestige Checking $50  $1.76 *Available $5.76  $250  N/A **Overdraft Protection
eChecking Plus $50 None Required $15.76  $2,500 1 **Overdraft Protection
Prestige Money Market Checking $50 Not Offered *Available $15.76  $2,500  2  N/A
Personal Jumbo Money Market $100,000 N/A Available $25.96 $100,000 Pays interest on balances of $100,000 & over3 N/A
Young Generation Checking $50 None Required  $0.00 No monthly service charge   N/A  N/A
Fresh Start Checking  $100 $1.76 *Available $11.76  None N/A  N/A 

*Mail Statement Fee-See Schedule Of Fees
Avoid mail statement fee with eStatement enrollment
**Courtesy Pay – Subject to Eligibility

1 Additional Terms: In order to receive the premium interest rate on deposits up to $25,000 all of the following are required to be posted during the monthly statement cycle for this type of account:
15 debit card transactions, 1 Online bill payment, Electronic Statement (eStatement) and 1 direct deposit.
The Bank will reimburse ATM fees from foreign non-Rio Bank ATM transactions up to $12 per monthly statement cycle. Interest is paid on balances over $25,000 at the current NOW Checking account rate (rates are variable and subject to change without notice).

2 Tier variable rate of interest. 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 fee of $16.76

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.

  • $50.00 minimum to open
  • No Debit MasterCard® fee
  • Monthly mailed statement fee, waived with eStatement enrollment  (see schedule of fees).
  • Non-interest bearing account
  • $30,000 Accidental Death Insurance*
  • $60,000 Common Carrier Insurance*
  • Cyber Scout (Identity Theft Service)
  • Savings Made Easy
  • Rio Custom Checks Discount
  • Rio Cashier Checks Discount
  • Domestic Wire Transfer Discount
  • See all the Benefits

*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
  • Monthly mailed statement fee, waived with eStatement enrollment (see schedule of fees).
  • 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 eStatement 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.

Prestige Checking

Your everyday transactional unlimited check writing account.

  • $50.00 minimum to open
  • Monthly mailed statement fee, waived with eStatement enrollment (see schedule of fees).
  • Non-interest bearing account

eChecking Plus

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

  • $50.00 minimum to open
  • No Debit MasterCard® fee
  • Required eStatement enrollment
  • Interest bearing account
  • Additional Terms: In order to receive the premium interest rates on deposits up to $25,000 all of the following is required to be posted during the monthly statement cycle for this type of account: 15 debit card transactions, 1 Online bill payment, Electronic Statement (eStatement) and 1 direct deposit.
  • The Bank will reimburse ATM fees from foreign non-Rio Bank ATM transactions up to $12 per monthly statement cycle. Interest is paid on balances over $25,000 at the current NOW Checking account rate (rates are variable and subject to change without notice).

Prestige Money Market 

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

  • $50.00 minimum to open
  • You may make six (6) withdrawals per monthly statement cycle at no charge. Each additional withdrawal will result in a service charge fee of $16.76.
  • Monthly mailed statement. eStatement enrollment available.
  • Interest bearing account

Personal Jumbo Money Market 

Limited transactions, higher balance.

  • $100,000 minimum to open
  • Monthly mailed statement. eStatement enrollment available.
  • Minimum balance to avoid imposition of fees – A monthly 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. You may make six (6) withdrawals per monthly statement cycle at no charge.
  • 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.

  • No Debit MasterCard® fee
  • Must be 16-23 years of age**
  • Customers under the age of 18 must have an adult co-owner on the account
  • Enroll in Online banking
  • Download Rio Bank app
  • Sign up for E-Alerts
  • Required eStatement enrollment
  • Non-interest bearing account

**Note: Upon reaching 24 years of age, the account will automatically switch to a Bonus Checking.

Fresh Start Checking

Rio Bank’s second chance account for individuals who have a less-than-perfect banking history who would benefit at rebuilding their good money management.

  • $100.00 minimum to open
  • Monthly mailed statement fee, waived with eStatement enrollment (see schedule of fees).
  • Non-interest bearing account

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