Checking Accounts
Designed to fit your life, no matter what your needs may be.
solutions that work for you
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Digital Access
Pay bills, make deposits, manage your money and more, from anywhere.
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Options Tailored to You
Want to get cashback, earn dividends, or build credit? We’ll help you do it.
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Pay People Directly
Pay people (and get paid) by sending and receiving money electronically. It’s easy!
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Overdraft Protection
Protect yourself and get peace of mind with our overdraft options.
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Surcharge-free ATMs
Use your Reliant Visa debit card to access nearly 80 local, surcharge-free ATMs.
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Low to No Fees
Our Everyday Checking has no monthly fees; monthly maintenance fees on other accounts can be waived if you meet certain criteria.
explore your options
Everyday Checking
Reliant’s Everyday Checking is where simplicity meets robust functionality. With no minimum balance requirement and no maintenance fees, you can bank with ease. Enjoy the freedom to manage your money effortlessly with our user-friendly mobile app and online banking platform.
Cashback Account
Enjoy the convenience of a debit card and the benefit of earning cash back on everyday purchases. Earn 1.5% cash back when you use your debit card to make purchases, up to $10 in cash back per month. Plus, with a Cashback Account, you’ll never incur an ATM fee from Reliant.
Note: Cash back rewards are deposited at the end of every month. To be eligible to receive cash back, members must be enrolled in e-statements and have direct deposit set up. Bill pay transactions are not eligible for cash back.
Dividend Checking
If you tend to carry higher balances and want to earn dividends on your account, our Dividend Checking account is designed for you. You’ll enjoy all the conveniences of Reliant’s checking options, all while earning dividends. You’ll earn dividends any month when your average daily balance is at least $1,000.
Note: A $5 monthly maintenance fee will be assessed any month in which the account minimum average daily balance falls below $1,000.
Fresh Start Account
With a Fresh Start Account, you’ll have the opportunity to rebuild your credit, while enjoying free services like online and mobile banking to help you stay on track. There’s no monthly maintenance fee if you’re enrolled in direct deposit, and with 12 months of positive account activity, you can upgrade to one of our other checking options! Begin your fresh start today—visit any branch, and a Reliant Member Service Representative would be happy to talk to you about your options.
Note: A $10 monthly maintenance fee will be assessed any month a Fresh Start account holder does not have direct deposit.
Teen Account
Empower your teen with the tools they need to embrace financial responsibility and independence. With their own checking account and debit card, teens ages 11–17 can take charge of their spending while learning essential saving skills. Through our app, parents can easily track their teen’s financial progress. Strong financial foundations start here.
Round-Up Savings Program
Perfect for building an emergency fund or saving for a specific goal. When you have a Reliant checking account, you can enroll in our Round-Up Savings program. With the program, every purchase you make with your eligible Reliant debit card will be rounded up to the nearest dollar and the difference will be funded by your own checking account and transferred into your Round-Up Savings account. The total rounded-up amount from all debit card transactions is transferred once per day.1
Note: Enrolling in the program will open a Round-Up Savings account to accompany your Reliant checking account. Open a Round-Up Savings account online or at any branch.
help me choose
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Best for ...
Best for ...
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Debit Card
Debit Card
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Cashback on Debit Card Purchases
Cashback on Debit Card Purchases
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Interest Earned
Interest Earned
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Monthly Maintenance Fee
Monthly Maintenance Fee
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ATMs Out of Network
ATMs Out of Network
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Mobile Check Deposit
Mobile Check Deposit
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Overdraft Fees
Overdraft Fees
Cashback Account
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Best for ...
Convenience, rewards, no monthly fees, no Reliant ATM fees
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Debit Card
Free, Required
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Cashback on Debit Card Purchases
1.5% on all transactions (up to $10 per month)
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Interest Earned
None
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Monthly Maintenance Fee
$0
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ATMs Out of Network
Unlimited Free
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Mobile Check Deposit
Yes
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Overdraft Fees
Yes, see Fee Disclosure
Everyday Checking
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Best for ...
Lots of convenience, no monthly fees
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Debit Card
Free
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Cashback on Debit Card Purchases
N/A
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Interest Earned
None
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Monthly Maintenance Fee
$0
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ATMs Out of Network
5 free/month, then $2.00 per transaction
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Mobile Check Deposit
Yes
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Overdraft Fees
Yes, see Fee Disclosure
Dividend Checking
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Best for ...
Dividends for maintaining a higher balance
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Debit Card
Free
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Cashback on Debit Card Purchases
N/A
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Interest Earned
0.05%APY^* for average daily balances of $1,000 and greater
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Monthly Maintenance Fee
$5 (waived with average daily balance of $1,000 or greater )
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ATMs Out of Network
5 free/month, then $2.00 per transaction
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Mobile Check Deposit
Yes
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Overdraft Fees
Yes, see Fee Disclosure
Fresh Start Account
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Best for ...
Rebuilding your credit
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Debit Card
Free
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Cashback on Debit Card Purchases
N/A
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Interest Earned
None
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Monthly Maintenance Fee
$10 (waived with enrollment in direct deposit)
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ATMs Out of Network
5 free/month, then $2.00 per transaction
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Mobile Check Deposit
Yes
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Overdraft Fees
Yes, see Fee Disclosure
Teen Account
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Best for ...
Teens ages 11–17, with parent/guardian guidance
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Debit Card
Free
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Cashback on Debit Card Purchases
N/A
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Interest Earned
None
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Monthly Maintenance Fee
$0
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ATMs Out of Network
5 free/month, then $2.00 per transaction
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Mobile Check Deposit
Yes2
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Overdraft Fees
Overdraft options are not available on this account.
We absolutely love Reliant! We wouldn’t bank with anyone else, and we always recommend Reliant to our family and friends.
become a member
At Reliant, you’re our reason for being. We exist to empower you with innovative financial tools and education, exceptional service, and a personalized approach to your unique needs.
FAQs
You can open an account by clicking here, or by visiting one of our ten branches.
If you have a direct deposit form from your employer, a staff member can assist you in completing it in the branch or over the phone. Don’t have a form from your employer? Reliant offers a direct deposit form that is available to fill out online or at any branch.
Minimal fees apply to some types of accounts and services. View our fee schedule.
Yes, Reliant offers several levels of overdraft protection to safeguard your checking account. We offer an overdraft line of credit, automatic overdraft transfer from your savings dividend account, and courtesy pay for both ACH/checks and debit card purchases.
Reliant offers many convenient ways to access your funds, including online banking, our mobile app, ATM or purchases using a Reliant Visa debit card, writing checks, calling us at 800-724-9282, or visiting any Reliant branch.
You can order checks online through our check supplier, Deluxe. You will be asked to provide Reliant’s routing number (222382438) and your account number. If you need any help determining your account number, please contact us. For more information about the online check-ordering process, click here.
open my account
Disclosures
1: Read full Round-Up Savings Program Terms & Conditions for more details.
2: If you opt to give your teen Shared Access to their account in online banking (as opposed to full access), your teen will not be able to access their account via the mobile app and therefore will not be able to use mobile check deposit. The parent/guardian who is joint on the account will have mobile app access and will be able to use mobile check deposit. A teen with Shared Access will be able to access their account through an internet browser on their mobile device. To learn more about the benefits of Shared Access, visit our Teen Account page.
Deposit rates are accurate as of 11/19/2025 and subject to change.
^APY = ANNUAL PERCENTAGE YIELD.
*The rate may change after the account is opened.
