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Checking Accounts

Designed to fit your life, no matter what your needs may be.

solutions that work for you

  • Digital Access

    Pay bills, make deposits, manage your money and more, from anywhere.

  • Options Tailored to You

    Want to get cashback, 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 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

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.

Fresh Start Account

With a Fresh Start Account, you’ll have the opportunity to seamlessly 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! 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 the member does not have direct deposit.

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

  • Best for ...

    Best for ...

  • Debit Card

    Debit Card

  • Cashback on Debit Card Purchases

    Cashback 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

Cashback Account

  • Best for ...

    Convenience, rewards, no monthly fees

  • Debit Card

    Free, Required

  • Cashback on Debit Card Purchases

    1.5% on all transactions (up to $10 per month)

  • Interest Earned

    None

  • Monthly Maintenance Fee

    $0

  • ATMs Out of Network

    Unlimited Free

  • Mobile Check Deposit

    Yes

  • Overdraft Fees

    Yes, see Fee Disclosure

Everyday Checking

  • Best for ...

    Lots of convenience, no monthly fees

  • Debit Card

    Free

  • Cashback 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

  • Cashback on Debit Card Purchases

    N/A

  • Interest Earned

    0.05%APY^* 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

Fresh Start Account

  • Best for ...

    Rebuilding your credit

  • Debit Card

    Free

  • Cashback 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

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Kerry Jones

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.

Kerry Jones
Member since 2020

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.

Find out how to join

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.

Learn more about overdraft options

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.

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800-724-9282

Disclosures

1: Read full Round-Up Savings Program Terms & Conditions for more details.

Deposit rates are accurate as of 5/16/2024 and subject to change.

^APY = ANNUAL PERCENTAGE YIELD.

*The rate may change after the account is opened.

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