Smart Checking Accounts | R.I.A. Federal Credit Union Quad Cities
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Smart Checking Accounts

Contactless Debit card. Quick and secure. look for the contactless symbol when making debit card purchases.

Get started with our free Smart Checking account! You won't have to worry about any annoying monthly service charges, or even maintaining a minimum balance — just enjoy free checking that rewards you!

Earn rewards by meeting the easy monthly qualifications — and you'll enjoy high dividends as well as refunds for any ATM fees you incur, anywhere in the country.

If you don't meet the monthly qualifications, no worries — you'll still earn our base dividend rate, and still have a free account.

So get started with a checking account that's fun, free, and easy — it's the smart way to start!


  • 2.00% APY* on balances up to $15,000
  • 2.00 to 0.19% APY* on balances over $15,000, depending on balance
  • 0.05% APY* base rate if qualifications aren't met
  • Nationwide ATM Fee Refunds (up to $25 each cycle)*
  • No Monthly Service Charges
  • No Minimum Monthly Balance to Earn Rewards
  • Unlimited Check Writing
  • MasterCard® Debit Card
  • Free Online Banking
  • Free eStatements
  • DANA Telephone Banking
  • Direct Deposit available
  • Overdraft Protection available**
  • Bill Pay available
  • $25 to open
  • Your deposits are covered up to $500,000 with up to $250,000 provided by NCUA and up to $250,000 by Excess Share Insurance.
It's easy to qualify for the higher dividend rate and ATM fee refunds! To earn these rewards, simply do the following during the monthly qualification cycle:

 2021 Qualification Calendar for Smart Checking

Even if you don't qualify, you'll still earn the base dividend rate — and there's still no monthly service fee.

*APY=Annual Percentage Yield. APYs accurate as of 09/01/2018; the last dividend declaration date. Rates may change after account is opened. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 and credited to account on the last day of monthly statement cycle; (2) balances up to $15,000 receive APY of 2.00%; and (3) balances over $15,000 earn 0.10% APY dividend rate on portion of balance over $15,000, resulting in 2.00% to 0.19% APY depending on the balance. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. Monthly Qualification Cycle means a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. Transfers between accounts do not count as qualifying transactions. Fees may reduce earnings on the account.

**Must meet qualifications.

Must be a member to open a checking account. Some restrictions apply.