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All accounts below are FDIC-insured
Radius Hybrid Checking
Earn up to 1.20% APY with this free high-interest checking account1 2
Radius Hybrid Checking is a revolutionary account that combines the high-interest earning of a savings account with the freedom of a checking account.
- Earn 0.85% APY on balances of $2,500–$99,999.991
- Earn 1.20% APY on balances of $100,000 & up1
- Free high-interest checking account2
- Free ATMs worldwide3
Help March of Dimes make a difference one dollar at a time
Become a superhero and use this free checking account to donate to March of Dimes.2
- Earn 0.50% APY on balances of $2,500 or more x2!4
- All interest earned will be matched by Radius and donated to March of Dimes5
- 1.00% of debit card purchases will be donated to March of Dimes each month6
Get free ATMs worldwide with this free checking account2 3
Simple. Convenient. Easy to use.
- Free ATMs worldwide3
- Free checking account2
A basic checking account with low fees
- No minimum balance requirement after $10.00 to open
- $9.00 monthly fee
- Upgrade to Radius Checking after 12 months of positive banking history7
Radius High-Yield Savings
Earn more with this free, FDIC-insured* high-interest savings account2
- Earn 1.50% APY on balances of $2,500–$24,999.998
- Earn 1.96% APY on balances of $25,000 & up8
- Free high-interest savings account2
Certificates of Deposit
Put your money to work for you
Choose CD options online ranging from 12, 18, and 36 months. All CDs are FDIC-insured.
- Now earn 1.85% APY on a 36 month (3 year) CD9
Apply online for:
|All accounts listed on this page are FDIC-insured up to at least $250,000 per depositor.|
|1||Annual Percentage Yield (APY) is accurate as of Minimum amount to open account is $100.00. Rate tiers are as follows: 0.00% APY applies to balances of $0.01–$2,499.99, 0.85% APY applies to the entire balance on balances of $2,500.00-$99,999.99, and 1.20% APY applies to the entire balance of $100,000.00 or more. Rates may change after account is opened. Fees may reduce earnings.|
|2||No monthly maintenance fees. No monthly minimum balance requirement after $100.00 to open.|
|3||Get unlimited automatic ATM surcharge rebates for ATM fees other banks charge you. ATM surcharge rebates apply to cash withdrawals from a Radius Hybrid Checking or Radius Checking account using the Radius Debit Card wherever it is accepted. Radius Bank does not charge a fee for using another bank’s ATM. ATM fees will be rebated at the end of each statement cycle. Excludes international exchange fees. 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. Radius Bank reserves the right to modify or discontinue the ATM surcharge rebate program at any time.|
|4||Annual Percentage Yield (APY) is accurate as of Rate tiers are as follows: 0.00% APY applies to balances of $0.01–$2,499.99, 0.50% APY applies to the entire balance on balances of $2,500.00 or more. Rates may change after account is opened. Fees may reduce earnings.
|5||Radius Bank will take the monthly interest payment made at the end of each statement cycle, calculated per disclosure #3 between September 28, 2018 and July 31, 2020, and make an equal charitable donation to the March of Dimes.|
|6||Radius will provide 1.00% of all Qualified Purchases made by eligible Superhero Checking account holders starting September 1, 2018, and ending July 31, 2020, if the account holder keeps an average balance of $2,500 or greater within the month in their Superhero Checking Account, Qualified Purchases include signature-based purchases made with a Radius Bank Debit Card tied to a Superhero Checking account. These are "credit" purchases that can be made in stores and online. To make a signature-based purchase, select "credit" rather than debit at point-of-sale kiosks. The "credit" option is most often pre-selected when making purchases online using a debit card. Online subscription payments may not be considered signature-based purchases. The payment transaction type (signature-based or other) is ultimately decided by the merchant and how the transaction is transmitted to Radius Bank at the time of processing. We reserve the right to determine if a transaction was a Qualified Purchase, and to establish additional types of Qualified Purchases that could be made available in a variety of ways. Any goods or services purchased with the Radius Bank Debit Card that are returned or otherwise credited to your Account are not qualified purchases. Unlawful purchases and purchases of currency, cash or cash equivalents (including, without limitation, currency from the U.S. Mint, Travelers Cheques, gift cards, prepaid debit cards or other cash equivalents) made with your Radius Bank Debit Card are not Qualified Purchases. We may require you to provide documentation to validate that certain purchases are qualified purchases. Radius Bank reserves the right to modify or discontinue this program at any time. Your enrolled account must remain open, active, and in good standing to participate in the program, meaning: No NSF (non-sufficient funds) items during the preceding twelve months in your checking account (regardless of the type of checking account). Radius Bank reserves the right to modify the description of "good standing" at any time. If you close your account for any reason before the end of the statement cycle, you will forfeit all rewards accrued through your linked Debit Card during that statement cycle.|
|7||Positive banking history is described as follows: No NSF (non-sufficient funds) items during the preceding twelve months in the Essential Checking account; the Essential Checking account must have a positive balance at the time of the request to upgrade the account; an eFunds check must show no additional negative history in the preceding twelve months (including banking history from other banks); and all monthly servicing fees must have been paid in full for the 12 preceding months. Radius Bank reserves the right to modify the description of "positive banking history" and the requirements to upgrade a Essential Checking account to a Radius Checking account at any time.|
|8||Annual Percentage Yield (APY) accurate as of Minimum amount to open account is $100.00. Rate tiers are as follows: 0.00% APY applies to balances of $0.01—$9.99, 0.05% APY applies to the entire balance on balances of $10.00—$2,499.99, 1.50% APY applies to the entire balance on balances of $2,500—$24,999.99, and 1.96% APY applies to the entire balance on balances of $25,000 or more. Rates may change after account is opened. Fees may reduce earnings.
|9||Annual Percentage Yield (APY) accurate as of CDs with terms of 12 months (1 year), 18 months (1.5 years), and 36 months (3 years) compound and credit interest monthly. Early withdrawal fees will reduce earnings — 12, 18, and 36 month CDs will be assessed a penalty of 365 days simple interest. Minimum amount to open is $500.00 for CDs with terms of 12 months (1 year), 18 months (1.5 years), and 36 months (3 years).