Checking Accounts
Designed to fit your life, no matter what your needs may be.
solutions that work for you
A free debit card. Online banking. Mobile Wallet. And an account designed to fit, no matter what your needs may be.
-
Digital Access
Pay bills, make deposits, manage your money and more, from anywhere.
-
Options Tailored to You
Want to get cash back, earn dividends or build credit? We’ll help you do it.
-
Pay People Directly
Pay people (and get paid) by sending and receiving money electronically. It’s easy!
-
Overdraft Protection
Protect yourself and get peace of mind with our overdraft options.
-
Surcharge-free ATMs
Use your Reliant Visa debit card to access nearly 80 local, surcharge-free ATMs.
-
Low to No Fees
Our Free Checking has no monthly fees; monthly maintenance fees on other accounts can be waived if you meet certain criteria.
explore your options
Debit Rewards
Get rewarded for using your debit card to make purchases. This account can be fee-free simply by making 20 point-of-sale (POS) purchases using your debit card each month. Starting with your 30th transaction, we’ll give you $.10 per transaction in cash back rewards, up to $10 in rewards per month. Plus, with a Debit Rewards account, you’ll never incur an ATM fee from Reliant. You must be 16 years of age to open a Reliant Debit Rewards account.
Note: Qualified POS transactions include purchases only. ATM transactions and return credits (adjustments) do not qualify toward point-of-sale transactions.
Personal Free Checking
Reliant’s Free Checking account is just that — FREE! No minimum balance required and no maintenance fees. You’ll enjoy all the conveniences that Reliant’s checking account offers — from writing checks to making mobile deposits — and everything in between!
Dividend Checking
Our Dividend Checking account is designed for those that carry higher balances and want to earn dividends on their account. You’ll earn dividends any month when the your average daily balance is at least $1,000. You’ll enjoy all the conveniences of Reliant’s checking options, all while earning dividends.
Note: A $5 monthly maintenance fee will be assessed any month in which the account minimum average daily balance falls below $1,000.
New Foundation Checking
Looking for a fresh start? Need to rebuild your checking credibility? With a New Foundation Checking account, you’ll have the opportunity to start over and rebuild your credit. In addition, you’ll enjoy convenient 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! Start building that new foundation—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 the member does not have direct deposit.
help me choose
-
Best for ...
Best for ...
-
Debit Card
Debit Card
-
Cash Back on Debit Card Purchases
Cash Back on Debit Card Purchases
-
Interest Earned
Interest Earned
-
Monthly Maintenance Fee
Monthly Maintenance Fee
-
ATMs Out of Network
ATMs Out of Network
-
Mobile Check Deposit
Mobile Check Deposit
-
Overdraft Fees
Overdraft Fees
Debit Rewards
-
Best for ...
Convenience plus rewards
-
Debit Card
Free, Required
-
Cash Back on Debit Card Purchases
$0.10 per point-of-sale transaction after 30 transactions in a month
-
Interest Earned
None
-
Monthly Maintenance Fee
$10 (waived with at least 20 POS debit transactions per month)
-
ATMs Out of Network
Unlimited Free
-
Mobile Check Deposit
Yes
-
Overdraft Fees
Yes, see Fee Disclosure
Personal Free Checking
-
Best for ...
Lots of convenience, no monthly fees
-
Debit Card
Free
-
Cash Back on Debit Card Purchases
N/a
-
Interest Earned
None
-
Monthly Maintenance Fee
$0
-
ATMs Out of Network
5 free/month, then $2.00 per transaction
-
Mobile Check Deposit
Yes
-
Overdraft Fees
Yes, see Fee Disclosure
Dividend Checking
-
Best for ...
Dividends for maintaining a higher balance
-
Debit Card
Free
-
Cash Back on Debit Card Purchases
N/a
-
Interest Earned
0.05%^* for average daily balances of $1,000
-
Monthly Maintenance Fee
$5 (waived with average daily balance of $1000 )
-
ATMs Out of Network
5 free/month, then $2.00 per transaction
-
Mobile Check Deposit
Yes
-
Overdraft Fees
Yes, see Fee Disclosure
New Foundation Checking
-
Best for ...
A fresh start for building your credit
-
Debit Card
Free
-
Cash Back on Debit Card Purchases
N/a
-
Interest Earned
None
-
Monthly Maintenance Fee
$10 (waived with enrollment in direct deposit)
-
ATMs Out of Network
5 free/month, then $2.00 per transaction
-
Mobile Check Deposit
Yes
-
Overdraft Fees
Yes, see Fee Disclosure
It was a pleasure working with Reliant. In the midst of a pandemic crisis, the staff was upbeat, helpful and thorough in helping me secure a new account and credit card. At a time when there is much uncertainty and a lack of support in many aspects of our lives, I found the process at Reliant Credit Union and working with Melissa in particular to be easy and reassuring.
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
Deposit rates are accurate as of 9/18/2023 and subject to change.
^APY = ANNUAL PERCENTAGE YIELD.
*The rate may change after the account is opened.