Radius Hybrid Checking

Earn up to 0.90% APY with this free high-interest checking account1 2

Radius Hybrid is a revolutionary account that combines high-interest earning with the freedom of a checking account. This account eliminates the need to transfer money back and forth between two accounts to maximize your earnings.


  • Free high-interest checking account2
  • Earn up to 0.90% APY on the portion of balances $2,500 and up1
  • Free ATMs worldwide3
  • Free chip-enabled Debit Card3
  • Apple Pay available with Debit Card
  • Free Online & Mobile Banking4
  • Send money instantly to anyone with Radius Pay a Friend
  • Free first order of checks
  • $10.00 minimum to open
  • FDIC-insured5

Radius Hybrid Calculator

Do not include commas with balance.

*Interest earned over the term of 12 months.

Already have a checking account?

If you would like to convert an existing personal checking account with Radius Bank to a Radius Hybrid checking account, please visit the forms page and complete our Account Conversion Form. 


Radius Hybrid

comes with:





  • Opening deposit: fund your account online via debit card, credit card or transfer from an existing checking/savings account; additional options include funding via cash or check in a Financial Center or by mail to our Customer Service team
  • Free internal and external online transfers between your Radius Bank accounts, accounts at other financial institutions, and to other Radius Online Banking users
  • Direct deposit of paycheck or other income
  • Mobile check deposit via Mobile Banking
  • Unlimited, fee-free deposits and balance inquiries at all Radius Bank ATMs and Financial Center locations
  • Make account transfers at all Radius Financial Center locations
  • Unlimited deposits and balance inquiries at ATMs displaying the NYCE® Shared Deposit Program logo
  • Unlimited deposits via postage-paid Bank by Mail envelopes

  • Unlimited, fee-free withdrawals at all Radius Bank ATMs & Financial Center locations
  • Unlimited fee-free withdrawals at ATMs displaying the SUMSM Program logo
  • No Radius ATM fees & all non-Radius ATM fees will be rebated each month!

  • Pay bills and people using Bill Pay through your Online Banking account
  • Pay with your phone and our free Radius Pay app linked to your Radius Debit Card
  • Make signature and PIN-based purchases in stores and online with your Radius Debit Card 


Stop payments:
Place stop payments on checks before they have been cashed. This service can be initiated via Online Banking, at a Financial Center, or by contacting our Customer Service Department. Fees may apply, so visit our fees page to learn more.

A quick way to transfer money from your account to another person or institution. The cut-off time for same-day processing is 3:00PM ET; requests received after 3:00PM ET will be processed on the next business day. Contact Customer Service for more information. 

Overdraft Protection:
Safeguard your Radius Hybrid account from overdrafts by setting up one or both of our convenient overdraft protection services. Click here to learn more.


  • Open the account with $10.00 or more
  • Enroll in free Online Banking & choose to receive eStatements
  • Choose to receive a free Debit Card


Open an account online now. It's fast, easy and secure!

Applying from a phone or tablet is now easier than ever! Just take a picture of your Driver's License and we'll pre-fill your contact information for you.

Get Radius Hybrid


Didn't find what you were looking for?

Radius Bank offers additional checking accounts based on your needs. To learn more about our other personal checking account products, contact us today or apply for an account by downloading our Personal Deposit Account Application.


1 Annual Percentage Yield (APY) is accurate as of  Minimum amount to open account is $10.00. Rate tiers are as follows: 0.00% APY applies to all balances from $0.00 to $2,499.99 and for balances of $2,500.00 and over, the APY would range from 0.00%-0.90% APY. Accounts will earn the stated APY only for the portion of the balance within the specified tier. The higher the dollar amount in the account (over $2,499.99), the higher the APY (up to 0.90%) will be earned on the account. Rates may change after account is opened. Fees may reduce earnings.
2 No monthly maintenance fees. No monthly minimum balance requirement after $10 to open.
3 ATM surcharge rebates apply to cash withdrawals from a Radius Hybrid or Radius Checking account using the Radius Debit Card wherever it is accepted. Radius Bank makes its best effort to identify those ATM fees eligible for rebate. In the event that you have not received a rebate for a fee you believe is eligible, please contact Customer Service at 800.242.0272. ATM fees will be rebated at the end of each statement cycle. Radius Bank reserves the right to modify or discontinue the ATM surcharge rebate at any time. Excludes international exchange fees.
4 Online Banking required for Mobile Banking access. Standard data rates apply to Mobile Banking.
5 FDIC insured up to at least $250,000 per depositor.
6 You must enroll in Online Banking, receive eStatements and receive a Debit Card in order to qualify for this account. Your account will revert to a Free Checking account if you do not elect to receive these services within two (2) months after the account is opened or if you opt out of these services any time after the account has been opened.