Personal Banking

Essential Checking

Take control of your finances. Perfect banking record not required.

Apply Online

Better than a Prepaid Card

FDIC-insured checking account1 designed to help you manage your money with powerful technology and limited fees.

Rebuild Your Record

  • A second-chance checking account that can give you a fresh financial start

  • $9.00 monthly service charge
  • Daily debit card limit of $5001

  • Mobile check deposit limit of $1,000 per day; limit of $2,000 per 10 days1
  • After 12 months of positive banking history, you may be eligible to upgrade to a Rewards Checking account2
Apply Now

Apply Online in Minutes

  • Here’s what you’ll need to apply

  • Your Social Security Number (or Individual Tax ID Number)
  • $10 or more to open – you can use a debit card or transfer from an existing bank account
  • Open your account in as little as 3 minutes!

Apply Now

Why choose Radius?

  • Andres G.
  • Joseph S.
  • Monique R.
  • John 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.

    Real Customer
  • “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.

    Real Customer
  • “I am very satisfied with the customer service, fast response and very knowledgeable customer rep.”

    Monique R.

    Real Customer
  • “Love the online chat!”

    John M.

    Real Customer
Mobile Banking

Online & Mobile Banking

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

Learn More

Let’s get started!

Don’t have a Radius account yet? Apply now and open your new account in under 3 minutes! What are you waiting for?

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

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.