Personal Checking Accounts

From basic checking accounts to premium checking accounts, R Bank offers Personal Checking Solutions that provide just what you need, whether simplicity with minimal fees or high rewards for higher balances and mature customers.

When you move your banking relationship to R Bank, you will discover the differences of a real neighborhood bank. Switch now and take advantage of the way banking should be with personal customer service you deserve and all the technology that makes banking easy! 

Easy Online and Mobile Banking - Enjoy 24-hour banking from the comfort of your home or office. Track your balance, transaction dates and transfer funds-all free. The R Bank electronic suite of Online Banking, Ea$y Pay bill payment, earth-friendly E-Statements, and automatic Overdraft Services allows you to bank online with ease any time you like. See your current balances, make transfers or loan payments, review E-Statements, and much more from the secure convenience of your computer or phone.

Personal Banking Solutions Minimum Opening Deposit Minimum Daily Balance Monthly Service Charge** Interest Paid
Ea$y Checking $100 $0 $0 No

Income Checking

Interest is compounded daily and credited to the account monthly on balances with $1,500 or more. 

$200 $1,500 $10 Yes
R Best Checking $100 $0 $0 Yes

Earn a high rate of interest and get ATM fee refunds when you meet the simple qualifications! Limit one (1) account per tax identification number; two (2) per household. In order to receive the maximum interest rate and ATM fee refunds, simply do the following: 

  • Have one (1) recurring Direct Deposit or ACH automatic credit post and settle in a minimum amount of $250 to your account per qualification cycle
  • Have six (6) or more transactions post and settle per qualification cycle by using the R Bank Cash & Check Card (excluding ATM transactions)
  • Enroll and receive electronic statement (e-statement)

A base rate of interest will be earned on all balances if qualifications are not met. ATM refunds are awarded up to the amount of $20 each cycle when qualifications are met.

**Monthly service charge if balance falls below minimum daily balance on any day of the statement cycle.

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  • Ea$y Checking

    Ea$y Is As Ea$y Does-For You!

    R Bank Ea$y Checking is a non-interest bearing checking account that offers a pay-per-swipe reward and overdraft privilege as a standard feature. Ea$y Checking's authorized overdraft privilege is standard*, as are unlimited check writing and ATM withdrawals. You'll have peace of mind along with convenient access to funds.

    • Ea$y Open. A low minimum deposit opens your account, and earns you unlimited check writing with no monthly service charge, and no minimum balance required. 
    • Ea$y Pay. Log on to and fall in love with Ea$y Pay bill payment, part of your online banking benefit. Alternatively, you can use your R Bank Cash & Check Card, anywhere MasterCard® is accepted. A 0.10 reward for every debit card swipe (signature & pin required). You can earn rewards up to $20.00 per month for swiping your debit card.
    • Ea$y Access. R Bank provides access to funds through Pulse® and Cirrus® ATMs and Telephone Banking, our 24-hour telephone banking system, in addition to checks, your cash & check card, and online banking services.

    Ea$y Checking includes the services to make your banking experience easy. Even so, R Bank intentionally left out one important feature you will not miss: the cost! 

    *After account has been opened 30 days and remains in good standing. Service Fee may apply. 

  • Income Checking

    Ea$y Gets A Paying Bonus

    With many of the popular benefits of R Bank's Ea$y Checking, we’ve added a competitive interest rate on your account balance and delivered Income Checking to you.

    • Ea$y Start. A low minimum to open, unlimited check writing, and with no transaction fees.
    • Convenience. Add in Online Banking, Ea$y Pay bill payment, and R Bank Cash & Check Card (accepted anywhere MasterCard® is accepted). Complete easy access to your funds with Pulse® and Cirrus® ATMs and Telephone Banking, R Bank's 24-hour telephone banking system.
    • Income. Best of all is our bonus, a competitive interest rate paid on your account's daily balance. That makes Income Checking an easy choice that grows in value.

    Add some interest to your checking account. See what you gain when you open your R Bank Income Checking account today.

  • R Best Checking

    R Best Personal Checking Account

    Our highest interest bearing checking account, R Best Checking, simplifies your life with an array of convenient banking services and premium interest rates.  R Best Checking pays you a premium rate of interest without asking for a monthly fee.  To earn the premium interest rate, certain criteria must be met.  These criteria are all everyday things that you most likely already do!

    • Stress-Free. Perhaps surprising for a premium account, we offer a low minimum to open, unlimited check writing, free Online Banking, Ea$y Pay bill payment, and R Bank Cash & Check Card (accepted anywhere MasterCard® is accepted). We believe you deserve less of what causes stress!
    • Accessible. Convenient access is available through Pulse® and Cirrus® ATMs and Telephone Banking, R Bank's 24-hour telephone banking system, as well as online and in our banking center.
    • Productive. Your interest grows and compounds quicker with R Best Checking's superior interest rate on balances, up to our maximum. 

    This account is nothing less than the best personal account we offer, and your R Banker welcomes the opportunity to introduce you to its full benefits. Stop dealing with fees and start getting rewarded.  Open your R Best Checking account today!