BankRI Checking Account Comparison

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Earn interest on your checking balances

No interest earned

Earn a competitive interest rate on your entire balance

Tiered interest rates to reward higher balances

Options available to avoid monthly service charge1

Direct deposit will eliminate the $6 monthly service charge. 
Monthly service charge of $6 is eliminated if requested by customers who are age 55 and older.

Maintain an average daily balance of $5,000 or more to avoid the $10 monthly service charge.

Maintain an average combined daily balance of $15,000 or more in linked accounts2 to avoid the $20 monthly service charge.

Free Online Banking, Mobile Banking, and Bill Pay

No annual fee debit card

Free access to SUMsm ATMs3

Check ordering

Free starter checks

Free starter checks

Free standard check order and re-orders4

Additional benefits

  • Unlimited check writing
  • Unlimited check writing
  • One tier interest rate
  • Courtesy rebate of non-BankRI ATM fees5
  • Free Premium Savings Account
  • Free additional Easy Checking Account
  • Preferred rates on CDs
  • Home equity and overdraft protection discounts
  • Free money orders and cashier's checks
  • Free stop payments
  • No fee for savings overdraft transfers
  • Safe deposit box discounts
  • Convenience of one monthly statement for all linked accounts
  1. Please refer to our Fee Schedule for current service charges. To calculate the average daily balance we add the principal amount in the account for each day of the period and divide by the number of days in the period.
  2. Linked accounts include the combined balances of: a.) the average daily balance of all your personal non-retirement savings, personal checking and personal money market accounts since their last statement date; and; b.) the current balance of all your personal CDs and IRA accounts, as of your personal checking account’s statement date; and c.) the current outstanding principal balance of all your personal home equity lines/loans, consumer overdraft line of credit, personal loans, and personal mortgages held by Bank Rhode Island, as of your personal checking account’s statement date.
  3. Owner of the ATM may charge a fee. BankRI foreign ATM fees still apply to some types of accounts, even at SUM Program ATMs. The SUM Program is administered by the NYCE ® Corporation. SUM is a registered service mark of the NYCE ® Corporation.
  4. Free BankRI standard check order and reorders or $25 credit toward each non-standard order of BankRI checks.
  5. Please refer to our Fee Schedule for maximum monthly reimbursement.