Checking Accounts
Checking that grows with you — whether you’re just starting out or reaching your next milestone.
Our most popular accounts — Cashback and Teen Accounts — deliver flexible, rewarding solutions for everyday life.
Reliant Checking is packed with perks! Enjoy $0 monthly fees with most accounts plus generous ATM fee waivers across all accounts.
explore your options
Most Popular!
Cashback Account
Enjoy the benefit of an account that rewards you every day! Earn 1.5% cash back by using your Reliant Debit Card for your everyday purchases. That’s up to $10 per month or $120 per year! Simply enroll in e-statements and direct deposit to get started. Enjoy effortless money management with our intuitive mobile app and robust digital banking tools with $0 monthly fees and 5 ATM fee waivers!
Most Popular for Teens and Parents!
Teen Account (ages 11–17)
$0 Monthly Fees, $0 OD/NSF Fees and 5 ATM fee waivers! Empower your teen with a Teen Debit Card and tools they need to embrace financial responsibility and independence. Parents can easily track their teens’ progress and support their financial journey through our mobile app — a safe and seamless experience for the whole family.
Everyday Checking
Where simplicity meets robust digital tools — with $0 monthly fees and 5 ATM fee waivers! Our intuitive, user-friendly mobile app and digital banking solutions make managing your money easier than ever.
Dividend Checking
If you tend to carry higher balances and want to earn dividends on your account. Earn 0.05% APY for average daily balances of $1,000 or more and 5 ATM fee waivers. Enjoy effortless money management with our intuitive mobile app and robust digital banking tools.
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
$0 OD/NSF Fees and 5 ATM fee waivers. Take control of your financial future with an account that is safe, secure, and guides you to move forward with your financial journey! Enjoy our intuitive, user-friendly mobile app to help you stay organized and on track.
Note: A $10 monthly maintenance fee will be assessed any month a Fresh Start account holder 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.
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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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.
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.
When you’re signing up for direct deposit, you’ll need to provide the depositor with account and credit union information:
- Reliant’s routing #: 222 382 438
- For direct deposit into your checking account, use the 10-digit number that appears at the bottom of your Reliant checks.
- For direct deposit into your savings account, include your savings account number (1 to 6 digits).
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 11/1/2026 and subject to change.
^APY = ANNUAL PERCENTAGE YIELD.
*The rate may change after the account is opened.