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Checking Accounts

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

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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

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! Plus, you can earn cash back with Purchase Rewards when you are registered for online banking!

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. You can also earn cash back with Purchase Rewards when you’re registered for online banking and 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 point-of-sale (POS) transactions include purchases only. ATM transactions and return credits (adjustments) do not qualify toward point-of-sale transactions.

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. Plus, you can earn cash back with Purchase Rewards when you are registered for online banking!

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

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

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

Dividend Checking

  • Best for ...

    Dividends for maintaining a higher balance

  • Debit Card

    Free

  • Cash Back on Debit Card Purchases

    N/a

  • Interest Earned

    0.050%^* 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

    No

  • 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 nine 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.

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Disclosures

Deposit rates are accurate as of 10/1/2020 and subject to change.

^APY = ANNUAL PERCENTAGE YIELD.

*The rate may change after the account is opened.