Personal Banking

Checking Accounts

Apply online for our free checking accounts in under 3 minutes.

Apply Online
Best Online Bank of 2020 by Bankrate, Radius Rewards Checking 1.00% Cash Back and High Interest Rate

  • Superhero Checking Charitable Donations

    Superhero Checking

    Help March of Dimes make a difference one dollar at a time. Earn valuable donations for March of Dimes through everyday spending, and earn some interest for yourself as well.

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  • Earn High Interest

    Rewards Checking1

    Get a free checking account that rewards you for keeping a high balance.

    • Earn 0.15% APY on balances of $100,000 & up
    • Earn 0.10% APY on balances of $2,500–$99,999.99
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  • Cash Back Rewards

    Rewards Checking2

    Get rewarded for everyday purchases and earn 1.00% cash back with Rewards Checking every time you use your Radius debit card.

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  • Compare/Calculate

    Compare Checking Accounts

    Not sure which account is right for you? Compare checking accounts side by side.

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  • Free ATMs Worldwide

    Unlimited ATM Fee Rebates

    It’s your money—you shouldn’t have to pay to use it. Charged a fee by another bank? Don’t worry! Rewards Checking and Superhero Checking receive unlimited rebates for any ATM fees you’re charged.4

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  • Automated direct deposit

    Get Paid Up to 2 Days Early

    Set up direct deposit into your Radius account and you’re eligible to receive your money up to two days early. Your paycheck will be available as soon as your employer submits their payroll files to the Federal Reserve. For many, this means receiving your funds as early as Wednesday on pay week.5

Apply Online

Open an account online in under 3 minutes—right now, wherever you are, on any device!

Apply Now

Awards & Recognition

  • Nerdwallet Best Checking Account Award for Radius Bank

    2020 Best Online Checking Account NerdWallet Award

  • Bankrate Best Online Bank 2020 Radius Bank

    2020 Best Online Bank Bankrate Award

  • Best Checking Account Go Banking Rates

    2020 Best Checking Accounts Go Banking Rates Award

Best Online Bank 2020

Radius Bank earned the No. 1 spot among online banks for the combination of its mobile banking app, generous ATM fee rebates, its payout on checking and savings accounts and its accessibility.

Why choose Radius?

  • Smiling Customer Angela
  • Andres G.
  • Joseph S.
  • Monique R.
  • I get excited when I receive my monthly benefits email. I love seeing how much I have earned and saved this year by banking with Radius.

    Kathleen M.

  • “I like having all fees resulting from ATM use reimbursed to me, no matter how often or how little I use ATMs. I also like it that there is no cap on how much these reimbursements can amount to.”

    Andres G.

  • “This representative was extremely kind, courteous, helpful, and knowledgeable. She was successfully able to resolve my issue quickly, and was very kind and attentive during the process. This representative sets a great example of what excellent customer service is.”

    Joseph S.

  • Best banking experience I ever had hands down

    Laura H.


Feel free to contact us with any questions. We’ll make sure to get you an answer or put you in touch with whoever you’re looking for.

Online & Mobile Banking

Manage your accounts from anywhere with unlimited access – 24 hours a day, 7 days a week.

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Digital banking, made human.

At Radius, we put our customers at the center of everything we do. That’s why we focus on providing products and services that are not only convenient but help to make life easier.


We use 256-bit encryption to ensure that data is protected with the highest level of security.

FDIC Insurance

Your deposits are FDIC-insured up to the highest possible amount allowed – $250,000.

Customer Support

Have a question? We’re here to help. Chat with us online, or reach us by phone or email.