Essential Checking

TAKE CONTROL OF YOUR FINANCES. PERFECT BANKING RECORD NOT REQUIRED.

Essential Checking goes above and beyond a prepaid card. It’s an FDIC-insured1 checking account designed to help you manage your money with powerful technology and limited fees.

TECH TO HELP YOU MANAGE YOUR MONEY

Free Online and Mobile Banking2
  • Radius Mobile app with mobile check deposit2
  • Direct deposit your paycheck or other income
  • Free Bill Pay and eStatements
  • Customized alerts
Mobile Wallets

Link your free chip-enabled Radius Debit Card to Apple Pay®, Samsung Pay, or Android PayTM

Radius Pay a Friend

Securely send money to anyone instantly

NEW! RADIUS CARD APP TO MANAGE YOUR DEBIT CARD
  • Turn your debit card off/on with the swipe of a finger
  • Customizable alerts, location-based access, transaction restrictions, and spending caps
Additional Peace of Mind
  • Mobile check deposit limits of $1,000 per day; mobile check deposit limits of $2,000 per 10 days 2
  • Daily debit card limit of $5003

Account Requirements4

  • $9.00 monthly service charge
  • Open the account with $10.00 or more
  • Enroll in free Online Banking & receive eStatements
  • Receive a free Radius Debit Card
GET ESSENTIAL CHECKING

After 12 months of positive banking history, clients may be eligible to upgrade to a Radius Checking account. For more information, contact Customer Service.5

DEPOSIT MONEY
  • Fund your account via debit card, credit card or transfer from another bank account
  • Deposit checks in the Radius Mobile app using your phone’s camera
  • Set up direct deposit of paycheck or other income (routing number 211075086)
  • Make unlimited deposits via postage-paid Bank by Mail envelopes
WITHDRAW MONEY
  • Withdraw money at any ATM — We won’t charge you ATM fees for using another bank's ATM
SPEND MONEY
Need Help?

Contact Customer Service, or live chat.

Didn't find what you were looking for?

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

1 FDIC-insured up to the maximum allowed per depositor.
2 Standard data and message rates apply for all Mobile Banking services. For Essential Checking account holders: mobile check deposit limits of $1,000 per day; mobile check deposit limits of $2,000 per 10 days.
3 For Essential Checking account holders: daily debit card limit of $250 for the first 30 days and will increase to $500 on day 31. Daily debit card limit includes all transactions including ATM withdrawals, mobile wallet payments, Pay a Friend, etc.
4 You must enroll in Online Banking, receive eStatements and receive a debit card in order to qualify for this account. Your account can be closed 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 anytime after the account has been opened. An account service fee of $9.00 will be charged each month. You must deposit $10.00 to open this account. No monthly minimum balance requirement after $10.00 to open the account.
5 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 a 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.
* Rebound Checking is now Essential Checking. All terms, disclosures, agreements, plus any and all other documentation applicable to Rebound Checking continue to be valid, in effect, and also apply to Essential Checking.