FAQs

General FAQs | Personal Banking FAQs | Business / Union / Government Banking FAQs | Mobile Banking FAQs | Text (SMS) Banking FAQs | Radius Pay FAQs | Telephone Automated Banking FAQs


General FAQs

WHAT IS RADIUS BANK'S ROUTING NUMBER?

Radius Bank's routing number is 211075086.

What types of accounts can I open online?

Currently, only select personal accounts can be opened online with Radius Bank. Open a Radius Checking, Radius Hybrid, Radius High-Yield Savings, Certificate of Deposit (CD), or Overdraft Protection Line of Credit online by clicking here. Please note that you must be at least 18 years of age, and you must be a U.S. citizen or U.S. resident alien to open your account with us online.

How do I apply for a personal deposit account?
  • Online: click here to open a personal deposit account online.
  • In-person: visit a Financial Center location
  • By mail: download and complete a Personal Deposit Account Application
  • Over the phone: call our Customer Service Department at 800.242.0272 

How do I open a business deposit account?
Businesses interested in opening an account may start an application in one of the following ways:
How easy is it to switch banks?

Switching banks is easy. Here is a step-by-step guide of everything you need to know.

Is Online Banking free?

Online Banking is free for all Radius personal banking customers. For businesses, we offer two types of Online Banking: one of which (Standard) comes at no monthly charge and the other (Premium) can be offset with an earnings credit.

How do I enroll in Online Banking? 
  • Personal banking clients can enroll by clicking the “Enroll” link in the Online Banking login section of radiusbank.com, or by clicking here. Follow the instructions provided to enroll your account(s) in Online Banking.
  • Business clients can enroll by contacting their relationship manager, visiting our Financial Center or contacting Customer Service.

How do I sign in to Online Banking?

You may log into your Online Banking account on the radiusbank.com homepage by entering your Login ID and Password in the Online Banking Login sign in box located at the top right hand side of the page. After your Login ID and Password are verified, you will be taken to Radius Bank's secure Online Banking site.

How do I enroll in Mobile Banking?

I am a personal banking client:

  • Personal Online Banking is required for access to Mobile Banking
  • Download "Radius Mobile" from the Apple App Store or Google Play
  • Once downloaded, launch the app by tapping on the icon on your phone. When prompted, simply log in using your personal Online Banking Login ID and password. First-time enrollees will be required to answer a few challenge questions for authentication and to register your device.

I am a business banking client:

  • To enroll your organization in Business Mobile Banking, contact your relationship manager or our Customer Service.

How do I enroll in Automated Telephone Banking?
  • Simply call our Automated Telephone Banking line at 800.434.0330 and, when prompted, enter your account number plus the last four digits of your social security number or business tax identification number to enroll. 

I’m locked out of Online Banking. How do I reset my account and password?

To reset your Online Banking login credentials, contact Customer Service.

If I forgot my Online Banking password, can I change it?

Yes. If you’ve forgotten your Online Banking password, simply click on the “Forgot Password” link in the Online Banking login section of radiusbank.com. You will be prompted to choose a verification method by which a Secure Access Code will be sent to you. Once you enter the Secure Access Code, you will be able to change your password.

How do I pay bills online? Is it a free service?

Our secure Bill Pay service is free for Radius personal banking customers! Register for Bill Pay and begin the set up process by selecting the "Bill Pay" link in your Online Banking account. Follow the guided steps to begin paying your bills online.

Can I use my Radius Debit Card with Apple Pay, Samsung Pay, or Android Pay?

Yes, the Radius Bank Debit Card is compatible with Apple Pay, Samsung Pay, and Android Pay. Click here to learn more.

What is Radius Pay?

Radius Pay is Radius Bank’s free mobile payment app powered by LevelUp that allows users to link a credit or debit card and pay with their phone at thousands of locations. Click here to learn more.

Where can I find my Radius Bank account number?

You may view your account number on your electronic statement through your Online Banking account by clicking the “eStatements” link under the Transactions menu. Your account number will also appear on your monthly paper statement (if you receive one).

Where are the Radius Financial Centers located? What are their hours of operation?

For a full listing of all Radius Financial Centers and their hours of operation, click here.

Where are Radius Bank’s ATMs located?

For a full listing of all Radius Bank ATMs, click here.

Can I deposit money at a Radius Bank ATM?

Yes, you can deposit money at Radius Bank’s full-service ATMs as well as ATMs that participate in the NYCE® Shared Deposit Program. To see a list a full listing of ATMs that accept deposits into a Radius Bank account, click here.

How do I contact Customer Service?

You can contact our Customer Service department Monday – Friday, 8:30AM – 1:00AM ET and Saturday - Sunday, 8:00AM - 8:00PM ET in several ways:

  • By phone at 800.242.0272
  • By email at customerservice@radiusbank.com*
  • Live chat directly from our website
  • Secure message via Online and Mobile Banking
  • Mail to Radius Bank, PO Box 55063, Boston, MA 02205-8031
  • Fax to 617.330.1061

How do I know the Online Banking site is secure?

Radius Bank has taken many steps to make sure you are protected online:

  • 256-bit Secure Sockets Layer (SLL) technology. To access your accounts, you must use a browser that supports a 256-bit encryption.
  • Login ID and Password are required every time you login. Your sign on information is used for accessing your accounts online – never share them with anyone.
  • Firewalls. The computers that run our site are protected by firewalls, which are systems that prevent unauthorized access to our network. They are constantly monitored to prevent security breaches.
  • Timeouts. Your Radius Bank online session will automatically end, or "time out", if you do not perform any transactions for ten minutes. To resume your session, you will have to log back in to Online Banking. 

How do I receive an incoming international wire transfer into my Radius account?

If you are expecting an incoming international wire transfer and need to provide the sending institution with transfer instructions, please contact your relationship manager or our Customer Service team to obtain this information.

Where can I learn about Radius Bank's Mobile Banking services?

To view our Mobile Banking services, click here.

Is Radius Bank a secure financial institution?

Radius Bank is a safe, secure and well-capitalized community bank. We are an FDIC Member and an Equal Housing/Equal Opportunity Lender. Click here to learn more.

Is Radius Bank a bank for unions only?

No, Radius Bank is an innovative, full-service community bank that serves individuals, businesses, government entities and unions.

Where can I learn more about Radius Bank?

Visit the "About Us" section of the website to learn more about Radius Bank.

Where can I learn more about Radius Bank's management team?

Meet the members of Radius Bank's management team by clicking here.

How do I obtain a Radius Bank Debit or ATM card?
  • Personal banking clients may request a Debit Card or ATM card during the account application process. Additionally, a card may be requested by completing and returning a Personal Debit/ATM Card Application.

  • Business banking clients may request a Debit Card or ATM card during the account application process. Additionally, a card may be requested by completing and returning a Business Debit Card Application. 

How do I report a lost, stolen or damaged Radius Bank Debit or ATM card?

To report a Debit or ATM card as lost, stolen or damaged and to receive a new card, please contact Customer Service via: 

  • Telephone at 800.242.0272
  • Secure email in the "Messages" tab of your Online Banking account
  • Web chat

You can also process this request with a representative at our Financial Center location.

Business, Union and Government Banking clients can also contact their relationship manager with any Debit or ATM card issues.

  • If you need to report a card lost or stolen outside of the above business hours, please call 866.392.9952 and press "1" during the first set of prompts. Follow the instructions to process your request. Damaged cards should only be reported during normal business hours. 

How quickly can I get Online Banking after my account has been activated?

Personal banking clients may enroll in Online Banking once your account is open and active by clicking the “Enroll” link in the Online Banking login window on the top right hand side of radiusbank.com. Follow the instructions provided to enroll your account(s) in Online Banking. The process takes no longer than 5 minutes to complete.

Business banking clients will be set up with Online Banking access and notified by your relationship manager when this is complete. This usually takes 3 to 5 business days.

How quickly will I receive my Debit or ATM card once my account has been activated?

Once your account has been approved and your initial deposit has been processed, you will typically receive your Debit or ATM card 5 to 7 days after account activation.

How quickly will I receive my first order of checks for my Checking or Money Market Account once my account has been activated?

Once your account has been approved and your initial deposit has been processed, you will typically receive your first order of checks 10 to 14 days after account has been activated if you elected to receive checks in your account application.



Personal Banking FAQs

WHAT DOES IT MEAN TO BANK VIRTUALLY?

We go where you go! Access all of your banking needs from anywhere in the country via online, mobile or telephone banking. Through our leading edge technology, you can check your balances, pay your rent, see your bills and so much more. We have strived to make banking so easy that you can even manage it while walking to get your afternoon coffee. Using our mobile deposit capture makes it simple to deposit your checks right from your phone. Need to deposit cash? No problem. Go to any of the NYCE® ATMs near you for fee-free cash deposits. And, no matter what ATM you use to withdraw cash from Radius Hybrid, you won’t have to worry about those pesky ATM fees. Not only will we never charge you, but we will rebate those other bank/ATM fees at the end of each month.

What products and services do you offer?

Radius Bank offers a full suite of personal financial products and services. This includes deposit accounts (checking, savings and money market accounts, as well as CDs and IRA products), advanced online and mobile banking/payment services, and a wide array of other traditional banking services.

What is a hybrid account?

Radius Hybrid is a revolutionary account that combines the utility of a checking account with the interest rate of a typical savings account. This high-interest checking account removes the need to transfer money back and forth between two accounts to maximize your earnings.

My mortgage was purchased by Radius Bank. How do I pay my mortgage?

You can pay your mortgage online by clicking here, by calling 866.669.8625, by mail (see your billing statement for instructions), or by visiting a Financial Center.

What information do I need to have available when opening an account online?

Please have the following information:

  • U.S. Social Security number
  • A valid form of identification including: Driver's license, State ID, Military ID or Passport
  • Previous home address (if you have lived at your current home address less than two years)
  • U.S. checking or savings account OR a credit or debit card to fund your new account(s) 

Can I make external transfers online? 

Yes. As a Radius Bank customer enrolled in Online Banking, you can make free internal and external transfers. This includes transferring money between your Radius Bank accounts, transferring money to other Radius Bank Online Banking account holders, transferring money from your Radius Bank account to accounts at other financial institutions, and transferring money from accounts at other financial institutions into your Radius Bank account. The daily limit for online external transfers is $5,000 incoming and $5,000 outgoing.

How does the ATM fee rebate program work?

With a Radius Checking or Radius Hybrid account, you can use your Radius Debit Card at any ATM where it’s accepted and Radius Bank will rebate all foreign ATM fees that you are charged each month. The ATM fees will automatically be credited to your account at the end of each statement cycle. To learn more about this benefit of our Radius Checking account, click here. To learn more about the benefits of our Radius Hybrid account, click here.

How can I get overdraft protection for my checking account?

Radius Bank provides two forms of protection from overdrafts. Click here to learn about our options.

Do you open deposit accounts for out-of-state customers?

Yes, we do! Radius Bank is a federally chartered thrift and we can open personal deposit accounts for customers across the United States.

Do you offer personal loans?

Radius Bank has partnered with Prosper to offer access to fixed, low-rate personal loans to fit your financial needs. Learn more about personal loans by clicking here. We also offer a personal line of credit for overdraft protection. Learn more about personal lines of credit by clicking here.

Do you offer revocable or irrevocable trust accounts?

Yes. Please contact Customer Service to learn more.

How do I contact customer service?

You can contact Customer Service in several ways:

  • By phone at 800.242.0272
  • By email*
  • Live chat directly from our website
  • Secure message via Online and Mobile Banking
  • Mail to Radius Bank, PO Box 55063, Boston, MA 02205-5063 
  • Fax to 617.330.1061

 

How can I make payments to my Radius Bank loan? (This does not apply to mortgages, Prosper loans, or credit cards.)

Payments can be made to your loan using any of the following methods: 

  • Mail a check to Radius Bank using the envelope enclosed with your monthly bill
  • Make a payment via check or cash at our Seaport Financial Center, located at 1 Harbor Street, Suite 102, Boston, MA
  • Electronic transfer (ACH) or online Bill Pay service from another financial institution
  • Electronic transfer (ACH) or online Bill Pay service from a Radius Bank checking account using Online or Mobile Banking
  • External transfer from another financial institution through Radius Bank’s Online or Mobile Banking
  • Automatic payment from a Radius Bank account or an account at another financial institution
  • Complete a wire transfer from another financial institution

 


Business / Union / Government Banking FAQs

What types of products and services do you offer?

Radius Bank offers a full suite of financial products and services to our business, union and government clients. This includes deposit accounts (checking, savings and money market accounts, as well as CDs and CDARS® products), business loans, cash management services and other traditional and online services, including online and mobile banking.

How do I open a deposit account?
  • To open a business account, please contact one of our business relationship managers.
  • To open an account as a union organization or government entity, please contact one of our specialized relationship managers. 

How do I apply for a loan?

To apply for a commercial loan, please contact one our business relationship managers. We will work with you to customize a loan program tailored to fit your specific financing needs.

Can I apply for a deposit account or loan online?

No, we currently do not offer the ability to open a business account completely online. Please contact us to speak directly with an expert.

Can I enroll my organization in Online Banking?

Yes, businesses, union organizations and government entities that are Radius Bank clients can enroll in Online Banking. When opening a new account, you can select this service while completing the application.

If you are an existing customer and wish to bank online with Radius Bank, download and complete a Business Online Banking application from this page.

For more information, please contact Customer Service.

Do you offer overdraft protection for business accounts?

Yes. Businesses may link up to three business deposit accounts to a business checking account for protection from overdrafts. Download the Linked Protection Application by clicking here.

HOW CAN I MAKE PAYMENTS TO MY RADIUS BANK Business LOAN? 

Payments can be made to your loan using any of the following methods:

  • Mail a check to Radius Bank using the envelope enclosed with your monthly bill
  • Make a payment via check or cash at our Seaport Financial Center, located at 1 Harbor Street, Suite 102, Boston, MA
  • Electronic transfer (ACH) or online Bill Pay service from another financial institution
  • Electronic transfer (ACH) or online Bill Pay service from a Radius Bank checking account using Online or Mobile Banking
  • External transfer from another financial institution through Radius Bank’s Online or Mobile Banking
  • Automatic payment from a Radius Bank account or an account at another financial institution
  • Complete a wire transfer from another financial institution

What is CDARS®, the Certificate of Deposit Account Registry Service®?

Radius Bank offers CDARS®, the most convenient way to access multi-million dollar FDIC insurance on CD deposits. Contact us to learn more about this service.

What special programs or services do you offer union organizations?

We provide special services to union organizations, which include:

  • Online Union Dues Collection service
  • Annuity Loan Program administration
  • Contractor Benefit Stamp management
  • What special programs or services do you offer union members and officials?

Contact a dedicated relationship manager to learn more.

We also provide special services to union members and their families, which include: 

  • Union Advantage Savings account for union members
  • Online Union Dues Payment 

To learn more about our services for union members, click here.


Radius Bank services my annuity loan. Who do I contact if I have questions regarding my loan?

If you have questions related to your annuity loan, please contact our Loan Servicing Department by calling 800.242.0272.

My union uses Radius Bank’s online dues payment service. How do I make payments online?

To see if your union uses our system or to make a payment, click here.

What state(s) does Radius Bank provide municipal services for?

We work with government entities in Massachusetts. Contact a relationship manager for more information.


Mobile Banking FAQs

Is there a cost for using Mobile Banking?

There is currently no charge associated with using Mobile Banking. However, there may be charges associated with text messaging and data usage on your phone. Check with your wireless phone carrier for more information.

Is Mobile Banking secure?

Yes, the mobile banking service utilizes best practices from online banking, such as HTTPS, 128-bit SSL encryption, or password access and application time-out when your phone is not in use. Only the phones that you personally enroll in the service can access your accounts. In addition, no account data is ever stored on your phone. In the event your phone is lost or stolen, the service can be immediately disabled by either going online to the Mobile Banking enrollment website or calling us.

Do I need a text message or data plan?

Yes, a text messaging and/or data plan is typically needed, as data usage can become expensive without them. Please check with your wireless carrier for more information.

I'm not enrolled in Online Banking. Can I still use Mobile Banking?

You must enroll your account(s) in Online Banking to have access to the Radius Mobile app and/or Text (SMS) Banking. To enroll in Online Banking, click here.

Online Banking is not required for access to Automated Telephone Banking.

How do I enroll in Mobile Banking?
I am a personal banking client:
  • Personal Online Banking is required for access to Mobile Banking.
  • Coming soon: download Radius Mobile from your Android or iOS device's store.
  • Once downloaded, launch the app by tapping on the icon on your phone. When prompted, simply log in using your personal Online Banking username and password. First-time enrollees will be required to answer a few challenge questions for authentication and to register your device. 

I am a business banking client:

To enroll your organization in Business Mobile Banking, contact your relationship manager, visit our Financial Center or contact Customer Service.


Is Mobile Banking supported on my phone? 

The Radius Mobile app is available on iPhone®, iPad® and Android™ devices.

Apple App Store Google Play


Do I need a new Login ID and password to use Mobile Banking?

No. You will use the same Login ID and password as you use to access Online Banking.

What happens if I get a new phone or change phone numbers?
  • If you get a new phone, simply download the Radius Mobile app on your new device and login with your Online Banking credentials to re-authenticate yourself.
  • If you’ve changed phone numbers, be sure to return to the “Mobile Preferences” page under the Preferences tab in your Online Banking account and update your phone information to re-enroll your new device in Text Banking.

What if my device is lost or stolen?

If you are concerned about misuse of your phone, contact your mobile service provider immediately to stop all wireless service. Additionally, log in to your Online Banking account and visit the “Mobile Preferences” page under the Preferences tab in your Online Banking account to disable or remove your phone.

What happens if I get locked out of Mobile Banking?

In the event that you get locked out of Mobile Banking, contact Customer Service.

Will my Mobile Banking app automatically update with new enhancements?

Depending on your mobile device and settings, you will have the option to receive automatic updates to your app. When downloading the app, if prompted, select the option to ensure you receive automatic updates for app enhancements.



Text (SMS) Banking

What is Text (SMS) Banking?

Text (or SMS) Banking gives you access to your accounts via text (SMS) messages on your phone. It's a fast, easy way to look up account balances, recent account history or make transfers between accounts by sending a text command to a shortcode.

What is Radius Bank’s shortcode?

All text messages should be sent to 226563.

Is Text Banking supported on my phone?

Text Banking will work on any text message-capable phone from one of our supported carriers.

Will I receive unsolicited text messages?

No. You will only receive messages when you specifically request them with one of the Text Banking commands or if you subscribe to Mobile Alerts within Online Banking.

How do I activate Mobile Alerts?

Mobile Alerts can be managed through your Online Banking account. To set up Mobile Alerts, select the “Alerts” link in the “Administration” section of your Online Banking account. You will have the option to receive Mobile Alerts via text message to any mobile device you have already enrolled in Mobile Banking.
 

What are the Text Banking commands? 
Text Commands and Actions: 

BAL - Receive account balance (If no account nickname is included, the balances of all enabled accounts will be listed)

HIST - Receive account history

XFER - Transfer funds between accounts

LIST - Receive a list of available text commands HELP Receive a list of contact points for information on text banking (for example, your website or phone number)

STOP - Stop all text messages to the mobile device (for text banking and SMS alerts/notifications)


Radius Pay FAQs 

What devices is Radius Pay available for?

Radius Pay is available for iPhone and Android phones and can be downloaded directly from the App Store or Google Play for free.

Apple App store google play


How does Radius Pay work and how do I get started?

Radius Pay allows you to pay with your phone at thousands of locations by linking a debit or credit card and scanning your phone at point of sale. It's easy to get started. 

  • Download the free Radius Pay app
  • Link any bank’s credit or debit card
  • Scan your code wherever LevelUp is accepted to make payments & earn discounts
  • Earn rewards when using a Radius Debit Card
  • Track your rewards in the app’s "Vault" 

Where can I use Radius Pay?

Radius Pay can be used at any merchant that accepts LevelUp nationwide. A list of merchants that accept LevelUp can be found in the “Places” tab within the Radius Pay app.

Why would I use Radius Pay at the register versus cash or a credit/debit card?

Radius Pay is quicker, easier and safer than using cash. Additional benefits of using Radius Pay include rewards, receiving discounts at merchants, and loyalty credits.

How do I know which merchants offer credits?

Finding credits is easy! Access “Places” in your app to see a list of all the merchants around you that accept Radius Pay, then tap each individual merchant to view the one-time and ongoing credits they may offer. You can also filter the results to just what you're looking for, from restaurants to convenience stores.

I don’t have a Radius Bank checking account or debit card. Can I still use Radius Pay?

Yes! You can use Radius Pay with any bank’s debit or credit card. However, you have the ability to earn additional rewards and bonuses by linking and paying with your Radius Debit Card.

What rewards can I earn with Radius Pay?

Visit the Radius Pay Promotions page to view our current Radius Pay promotions. 

Is Radius Pay secure?

Yes, mobile payments made with Radius Pay are administered through LevelUp’s secure payment process and uses all the same securities as a credit or debit card. You can also set up a PIN lock within the app to keep anyone else from accessing the app or using your money. The PIN lock is also compatible with Touch ID® on eligible iOS devices.

What do I do if I lose my phone?

In the event that your phone is lost or stolen, you can de-authenticate your device right away to stop any payments from being made by contacting LevelUp here.

What will a Radius Pay charge look like on my credit card or bank statement?

Payments made using the Radius Pay app will appear as transactions made to “The LevelUp” since LevelUp is the mobile payment platform that Radius Pay is built on.

Can I check my transaction history within the app?

Yes, your history is always available to you in Radius Pay. Don't worry about keeping track of paper receipts – just tap “More” and then “Transaction History” to see a full record of everywhere you've used Radius Pay, how much you spent, and whether you earned a credit on that transaction or not.



Telephone Automated Banking FAQs

What is the number I call to access Telephone Automated Banking?

To access telephone banking, please dial 800.434.0330.

How do I enroll in Telephone Automated Banking? 

To enroll, simply call 800.434.0330 and enter your account number plus the last four digits of your social security number. You will then be prompted to create a new 4-digit PIN for future account access.

What features does Telephone Banking offer?

Using your phone and Telephone Banking, you can quickly and easily: 

  • Get deposit and loan account balances
  • Obtain account history, including your most recent 6 deposit, withdrawal and ATM transactions
  • Obtain payment history on loans, including last payment date and next payment date
  • Transfer funds between two authorized accounts
  • Make payments from an authorized account to other authorized accounts
  • Obtain Financial Center hours & location information

 

 

 
 

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