Checking Account Comparison

BankRI Checking Account Comparison

CHECKING ACCOUNT BENEFITS	EASY CHECKING	CLASSIC NOW	PREMIUM CHECKING
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 SUM^sm 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

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.
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.
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.
Free BankRI standard check order and reorders or $25 credit toward each non-standard order of BankRI checks.
Please refer to our Fee Schedule for maximum monthly reimbursement.