Personal Checking

How do you prefer to bank? Do you want a simple account for paying bills or a complete relationship that offers special benefits and savings?

Do you want the convenience to bank electronically or in-person? At Bank Rhode Island, we have a checking account that fits your needs.

All of our accounts come with free Online & Mobile Banking and a free Debit MasterCard^® that gives you the convenience to bank and make purchases wherever life takes you, including thousands of SUM^® Program ATMs.

Premium Checking

If you’re looking for a checking account that’s more than just a way to pay the bills, BankRI’s Premium Checking account offers high end features and the benefits of a relationship banking package.

Learn more about Premium Checking

Easy Checking

Whether you are looking for your first checking account or just looking for a simple way to manage your finances, our Easy Checking is ideal for anyone needing a basic checking account.

Learn more about Easy Checking

Classic NOW

Earn interest on your everyday funds with the convenience of a Classic NOW account.

Learn more about Classic NOW

Checking Account Comparison

	Premium Checking	Easy Checking	Classic NOW
Earn interest on your checking balances	Tiered interest rates to reward higher balances	No interest earned	Earn a competitive interest rate on your entire balance
Options available to avoid monthly service charge¹	Maintain an average combined daily balance of $15,000 or more in linked accounts² to avoid the $20 monthly service charge.	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.
Free Online Banking, Mobile Banking, and Bill Pay
No annual fee debit card
Free access to SUM ATMs³
Check ordering	Free standard check order and re-orders⁴	Free starter checks	Free starter checks
Additional benefits	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	Unlimited check writing	Unlimited check writing One tier interest rate

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.

Checking Accounts

Premium Checking

If you are looking for a checking account that’s more than just a way to pay the bills, BankRI’s Premium Checking account offers high end features and the benefits of a relationship banking package.

Premium Checking Features Include:

Earns interest
FREE Online Banking with unlimited Bill Payments
Unlimited check writing
No Bank Rhode Island fee at any ATM in the U.S.
Up to $15 credit per month toward non BankRI ATM surcharge fees
NO surcharge at SUM^® Program ATMs
FREE standard checks
Combined statement with your Bank Rhode Island
- Premium Savings and other eligible linked accounts
Discounted annual fee for Overdraft Lines of Credit and Home Equity Lines of Credit
- Rate discounts on Home Equity Loans and Lines of Credit
Safe Deposit Box discounts
FREE Savings Overdraft Transfers
FREE additional Easy Checking account
FREE Stop Payments
FREE money orders and cashier’s checks
Minimum Deposit to Open: $100

Monthly Service Charge

$20/month
- To Avoid Monthly Service Charges: Maintain combined balances in any linked account of $15,000 for a Premium Checking Account

Easy Checking

Whether you are looking for your first checking account or just looking for a simple way to manage your finances, our Easy Checking account is ideal for anyone needing a basic checking account.

Easy Checking Features Include:

FREE Online Banking with unlimited Bill Payments
NO minimum balance
NO annual fee Debit MasterCard ®
FREE starter kit checks
FREE to those of 55+ years of age
NO surcharge at SUM^® Program ATMs
Minimum Deposit to Open: $50

Monthly Service Charge

$6/month
- FREE with direct deposit

Classic NOW

Earn interest on your everyday funds with the convenience of a Classic NOW account.

Classic NOW Features Include:

Earns interest
FREE Online Banking with unlimited Bill Payments
Unlimited check-writing
FREE starter kit checks
NO annual fee Debit MasterCard^®
NO surcharge at SUM^® Program ATMs
Minimum Deposit to Open: $50

Monthly Service Charge

$10/month
- To Avoid Monthly Service Charges: Maintain an average daily balance of $5,000

Manage & Protect Your Money

At BankRI, we offer our qualified customers Courtesy Overdraft Coverage. This service will cover a transaction if you do not have the funds available in your account.

Learn more about Courtesy Overdraft Coverage or Opt-In Today

Mobile Check Deposit

Save time and trips to the bank or ATM with Mobile Check Deposit, the fast, easy, and secure way to deposit checks into your checking or savings accounts. Just take a picture of the check with your mobile device, and send it along for deposit.

For more information, see our Mobile Check Deposit FAQs