Banking Solutions 

Personal Checking Account

Get up to 2.00% APY3 with a Smart Checking Account from R.I.A.

Business Checking Account

Get more out of your business banking relationship.

Savings Account

Learn more about our saving account6 options to see which account type works best for you.

Mobile Banking Features

Our banking solutions give you access to a digital library of fast, secure and reliable mobile banking tools.

Free Credit Monitoring

Check your credit score daily with no impact on your credit and see how financial decisions will effect your credit score.

Mobile Wallets

Add your R.I.A. issued debit card to your mobile wallet and make purchases directly from your mobile device.

Mobile Check Deposit

Save time by depositing checks from the convenience of your own home with our mobile banking app.

Mobile Card Controls

Turn cards on and off, control transaction limits, manage notifications and more with our mobile card controls.

Youth Accounts

Start building your child’s future today while teaching them the value of saving money.

Certificate Accounts

Put your money to work with a high fixed rate Share Certificate. 

Need Help Managing Your Investments?

Whether you are just starting to invest or nearing retirement, our investment services team is here to answer your questions and help you reach your financial goals.

Banking FAQ

You have questions. We have answers. See below for a list of our most frequently asked banking questions.

What documentation do you need to open a business account?

The documentation needed to open a Business Checking Account depends on the type of business; LLC, Corporation or Sole Proprietorship. Each requires different documentation, but generally all require a valid tax identification number and the person opening the account must already be a member of R.I.A. FCU. For detailed information on documentation needed please contact us.

What are your fees for business accounts?

Business Checking Accounts require a minimum opening deposit of $100, and must maintain a minimum balance of $1,000. There is a fee of $5.00 if the balance falls below $1,000 at any time throughout the month. There is a $0.20 fee per draft. Fees may reduce earnings on the account.

Do you offer business accounts?

Yes! Earn a healthy return on balances over $2,500 with a Business Checking Account.

How much does it cost to start a Share Certificate?

There is a minimum deposit of $500 to open a share certificate account, and a $500 daily balance required to earn dividends.

Am I able to access funds without a penalty?

Penalties may be imposed for early withdrawal. Fees may reduce earnings. See terms and conditions for full details.

Do you have ATM fees?

Not only do we have a large selection of ATM locations, we also offer up to $25 in Nationwide ATM Fee Refunds³. This way you can use any ATM you want, no matter where you are.

Is your checking account free?

Yes, our checking accounts are free. Enjoy no minimum balance and no monthly fees.

Do you get a debit card the same day you open an account?

Yes, you will receive a temporary debit card at the time of opening an account. We will mail you a permanent debit card shortly after.

Do you offer debit cards?

Yes, we offer debit cards. We even have convenient card features like Mobile Wallet, Mobile Card Controls and Contactless Payment to streamline your banking experience.

How old do you have to be to open a savings account?

We have savings accounts for adults, as well as specified savings accounts for kids to educate them about saving money. These accounts offer kids rewards for savings milestones.

Does a savings account earn dividends?

Yes. View the rates table for details on specific savings accounts.

How much money is required to keep a savings account open?

As your share of membership, $5 must remain in your account.

Is there a fee to open a savings account?

As a member of R.I.A. FCU, you have a $5 share. When you open a savings account, this $5 is required to become a member. Therefore, you must deposit $5 upon opening an account.

Can I open an account for my minor child?

Yes, it’s never too early to start saving! A parent or legal guardian may start membership for a minor child. However, the parent or guardian must also be a current member. We offer accounts designed for both young kids and teens.

Do I need to be a member to open an account?

When you open an account with R.I.A. Federal Credit Union you become a member of our credit union. We are a member-owned cooperative dedicated to meeting your financial needs!

How do I download your mobile banking app?

To download our mobile banking app, search “RIAFCU” in the Google Play Store or the App Store. Download the app to start banking on the go!

How do I view my statements?

To view your statements, sign into your account via online banking or the mobile app, then select ‘E-Statements’ from the navigation bar.

Where do I find my routing and account number?

To find your routing and account number, log into your account via online banking or the mobile app. Select the desired account. Once the account history page has loaded, select ‘Account Details’ located directly below the account name.

How do I order more checks?

To order more checks click here, or contact us at 800-742-2848.

Disclaimer

3. Smart Checking –

    • 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.
    • All Checking Accounts are subject to approval. Must meet qualifications.
    • Must be a member to open a checking account. Some restrictions apply.
    • Deposits are insured up to $500,000 with up to $250,000 in insurance by NCUA and up to $250,000 in insurance by Excess Share Insurance.

5. Business Checking

      • APY=Annual Percentage Yield. APYs accurate as of 09/01/2018; the last dividend declaration date. Rates may change after account is opened.
      • Minimum deposit to open a Business Checking Account is $100.
      • Balances over $2,500 earn dividends. $0.20 fee per draft. Low balance fee if balance falls below $1,000. Fees may reduce earnings on the account.
      • All Checking Accounts are subject to approval. Must meet qualifications.
      • Must be a member to open a checking account. Some restrictions apply.
      • Deposits are insured up to $500,000 with up to $250,000 in insurance by NCUA and up to $250,000 in insurance by Excess Share Insurance.

6. Savings Account

      • APY=Annual percentage Yield. APYs accurate as of the last dividend declaration date. The dividend rate and annual percentage yield (APY) may change at any time. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. The dividend period for this account is monthly.
      • Fees may reduce earnings on the account.
      • (Regular Share) During any statement cycle, no more than six withdrawals or transfers to another credit union account or to a third party by means of a preauthorized, automatic, or computer transfer or telephonic order or instruction. Exceeding the withdrawal limit may result in account closure by the credit union.
      • (Super Share) During any statement cycle, no more than three withdrawals or transfers to another credit union account or to a third party by means of a preauthorized, automatic, or computer transfer or telephonic order or instruction. Exceeding the withdrawal limit may result in account closure by the credit union.
      • (Mega Share) During any statement cycle, no more than three withdrawals or transfers to another credit union account or to a third party by means of a preauthorized, automatic, or computer transfer or telephonic order or instruction. Exceeding the withdrawal limit may result in fees of $10 per withdrawal, and account closure by the credit union.
      • Deposits are insured up to $500,000 with up to $250,000 in insurance by NCUA and up to $250,000 in insurance by Excess Share Insurance.

7. Youth Accounts

      • APY=Annual Percentage Yield. APYs accurate as of 09/01/2018; the last dividend declaration date. Rates may change after account is opened.
      • *Rates may change after the account is opened. Fees may reduce earnings on this account.
      • (KARS Account) This account requires $5 to open. Earns dividends. Rates may change after the account is opened. Fees may reduce earnings on this account. 1 deposit equals 1 point. Points can be redeemed for prizes. Members under the age of 18 need a co-signer on the account.
      • (My Cash Teen Account) This account requires $5 to open. Earns dividends. Rates may change after the account is opened. Fees may reduce earnings on this account.  Cash incentives are paid out when myCA$H member brings in membership card to verify incentive behavior has been completed. Direct deposit, E-statement, debit card, MasterCard®, and $500 saved incentives are paid once. Certain restrictions apply, not all will qualify. Members under the age of 18 need a co-signer on the account.
      • Deposits are insured up to $500,000 with up to $250,000 in insurance by NCUA and up to $250,000 in insurance by Excess Share Insurance.

8. Certificates

      • (Share Certificate.) Penalties may be imposed for early withdrawal. Rates accurate as of the last dividend declaration date. Fees may reduce earnings. $500 deposit required to open this account. $500 daily balance required to earn dividends.  
      • (IRA) Rates may change after the account is opened. Rates accurate as of the last dividend declaration date. Penalties may be imposed for early withdrawal. Fees may reduce earnings. IRA Certificates are available at the same interest rates as our regular Certificates. Certificates may be designated traditional or Roth IRAs. 91-day to 5-year terms available for IRA Certificates. Other restrictions and requirements may apply. Rates subject to change.  $500 deposit required to open this account. $500 daily balance required to earn dividends.  
      • APY=Annual Percentage Yield. APYs accurate as of 09/01/2018; the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account.
      • A penalty may be imposed for early withdrawal.
      • Deposits are insured up to $500,000 with up to $250,000 in insurance by NCUA and up to $250,000 in insurance by Excess Share Insurance.

15. Membership qualifications

        • Membership is based on qualifications. Where you live, work or worship are considerations for membership. Please call, email or stop into any of our locations with questions related to membership. You can also view our full membership eligibility charter for further details.

Still Have Questions?