Making Personal Banking More Personal

Checking Account Options

Learn more about our suite of checking account options to decide which account is right for you.

Smart Checking Bundle
Maximize your earnings with Smart Checking plus our Rewards Credit Card. Earn 2.00% APY³ and 1.5% cash back on all purchases¹ with your R.I.A. Rewards Mastercard®.
Smart Checking Bundle
Basic Checking Bundle
All the great features of a Basic Checking account with the added bonus of a Classic Credit Card. Enjoy free banking⁴ and a low interest rate Mastercard® credit card².
Basic Checking Bundle
Smart Checking
Earn 2.00% APY on balances up to $15,000³ and up to $25 per month in ATM Fee Refunds³. Enjoy remote deposit, contactless payments and no monthly fees³.
Smart Checking
Basic Checking
Simplify your checking with no monthly fees⁴ and access to convenient mobile banking features. Cover the basics with a checking account that makes banking easy.
Basic Checking
Dividend Rate
2.00%³ 0.00% 2.00%³ 0.00%
Nationwide ATM Refunds
Up to $25 per month³ Not Included Up to $25 per month³ Not Included
Rewards Program
1.5% Cash Back on all Credit Card Purchases¹ Not Included Not Included Not Included
Free Credit Score Monitoring
Remote Deposit
Contactless Payments
Payment Integrations   Samsung Pay                 
P2P with Zelle®

Personal Banking Done Right

Our personal checking accounts give you the financial freedom you deserve.

No Minimum Balance

Zero balance requirements to keep your account open.

No Monthly Fees

No monthly service fees to maintain your account.

Free Online Banking

Get access to our online and mobile banking app.

Free Bill Pay

Quickly and easily make one time and recurring payments.

Direct Deposit

Have your checks deposited directly into your account.

Overdraft Protection

Choose one of our flexible overdraft protection plans to help avoid fees.

24/7 Bank By Phone

Use our Day And Night Access (DANA) system for 24/7 support.

Ultimate Coverage

Your deposit funds are insured up to $500,000³.

Mobile Banking Features

Our personal checking 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.

Personal Checking FAQ

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

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.

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!


1. Mastercard Rewards Card

  • See Mastercard® Credit Card Disclosure, Rewards Terms and Conditions and Rewards TIL Disclosures for full details and disclosures. 1.5% cash back is converted from points earned. You will automatically earn 1.5 points per $1.00 spent on net purchases (purchases less any credits, returns, and adjustments). Cash advances, balance transfers, and checks used to access your account are not considered purchases and will not earn rewards. Points can be converted to cash back in increments of 500 points or $5.00. Points expire after 3 years. Points are redeemed via the UChoose website which can be accessed via RIAFCU online and mobile banking.

2. Mastercard Classic Card

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 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 $250,000 in insurance by NCUA.
  • Deposits insured up to an additional $250,000 by Excess Share Insurance, for a total insured amount of $500,000.
  • View 2023 Smart Checking Qualification Calendar 
  • Qualifications required to earn rewards include: (1) 12 debit card purchases posted and settled; (2) enrollment in eStatement notice; and (3) one automatic payment (ACH) or direct deposit posted and settled.

4. Basic Checking

  • This account does not earn dividends.
  • 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 $250,000 in insurance by NCUA.
  • Deposits insured up to an additional $250,000 by Excess Share Insurance, for a total insured amount of $500,000.

Still Have Questions?

Open A Checking Account Today

Ready to open a personal checking account with R.I.A.? It’s quick and easy to get started with our online application.