Checking Accounts

All of Our Personal Checking Accounts Include:

55,000 Allpoint^® surcharge-free ATM network and the Chase ATM network
Online Banking
Mobile Banking
Mobile Deposits
Bill Pay
Electronic Statement (E-Statement)
MasterCard^®Debit Card
Notifi Alerts
Automated TeleBanc
Jet Coin Available*

*Where service is available

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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. Use our Account Advisor tool to help you find the account that’s perfect for you!

ACCOUNT ADVISOR

Compare Checking Account Features

Account Type	Min. Opening Deposit	Electronic Statements (E-Statements)	Monthly Service Charge	Minimum Balance to Avoid Imposition of Fees	Interest Paid Monthly	Overdraft Protection	New Account Opening Options
Rio Advantage Checking (Lux Benefits)	$25	*Available	$7.76	None		**Overdraft Protection	APPLY NOW
The Money Maker	$25	Required¹	$0.00	None	¹	**Overdraft Protection	APPLY NOW
Prestige Money Market	$25	*Available	$15.76²	$2,500²	²		APPLY NOW
Personal STAR Money Market	$10,000	*Available	$25.96⁴	$10,000⁴	⁴		In-Branch
Personal Jumbo Money Market	$100,000	*Available	$25.96³	$100,000³	³		In-Branch

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 balances up to $50,000, all of the following are required during the monthly statement cycle for this type of account: 10 posted Point of Sale (POS) 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 $12.00 per monthly statement cycle.
Effect of closing an account — if you close your account before interest is credited, you will not receive the accrued interest.

Fees:
Paper statement request: Rio Bank will charge a mailed consumer statement fee of $3.97 each statement cycle.
Since Electronic Statement is required for this account the premium interest rate will not apply.

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 percent yield. You may make the 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.

³Tier variable rate of interest. You must maintain a minimum balance of $100,000 in the account each day to obtain the disclosed annual percentage yield. You may make the 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.

⁴You must maintain a minimum balance of $10,000 in the account each day to obtain the disclosed annual percentage yield. If your balance falls under $10,000 any day of the statement cycle, a service charge of $25.96 will be imposed. 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.

Rio Advantage Checking

Rio Bank’s premier package account includes benefits that provide safety and peace of mind for your family with Accidental Death & Dismemberment Insurance and prevents from becoming a victim of Identity Theft.
The Bank will reimburse ATM fees from foreign non-Rio Bank ATM transactions up to $12 per monthly statement cycle.

$25.00 minimum to open
No MasterCard^® debit card monthly fee
A mailed consumer statement fee waived with Electronic Statement (E-Statement) enrollment.
Non-interest bearing account
$30,000 Accidental Death & Dismemberment*
$60,000 Common Carrier*

Cyber Scout (Identity Theft Service)
Rio Custom Checks Discount
Rio Cashier Checks Discount
Domestic Wire Transfer Discount
See all the Lux Benefits

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

The Money Maker

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

$25.00 minimum to open account
No MasterCard^®debit card monthly fee
Required Electronic Statement (E-Statement) enrollment
Additional Terms: In order to receive the premium interest rate on balances up to $50,000, all of the following are required during the monthly statement cycle for this type of account: 10 posted Point of Sale (POS) 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).
Effect of closing an account — if you close your account before interest is credited, you will not receive the accrued interest.
Fees:
Paper statement request: Rio Bank will charge a mailed consumer statement fee of $3.97 each statement cycle.
Since Electronic Statement is required for this account the premium interest rate will not apply.
The Bank will reimburse ATM fees from foreign non-Rio Bank ATM transactions up to $12.00 per monthly statement cycle.

Prestige Money Market

$25.00 minimum to open account
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 the 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 STAR Money Market

$10,000.00 minimum to open
Must have a Checking account in the same account title at account opening.
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 $10,000 any day of the cycle.
Minimum balance to obtain the annual percentage yield disclosed – You must maintain a minimum balance of $10,000 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.
Fees:
A mailed consumer statement fee of $3.97 will be charged each statement cycle. Fee waived if enrolled in Electronic Statement (E-Statement).

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.

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