Personal Banking

Hybrid Checking

Get the high-interest earning of a savings account with the flexibility of a checking account.

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Earn up to 1.20% APY with Hybrid Checking - named Best Checking Account of 2019 by mybanktracker

Award-Winning Free Interest Checking1

The best checking account for one-stop account management with no hidden fees and high-interest earning power.

Stacking coins

High Interest Earning

  • Earn 1.20% APY

    Balances of $100,000 & up2

  • Earn 1.00% APY

    Balances of $2,500–$99,999.992

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Freedom from Fees

  • It’s your money, you shouldn’t have to pay to use it.

  • Free ATMs worldwide3
  • No monthly service fees
  • No minimum balance requirement after $100.00 to open
  • First order of checks on us!
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Apply Online in Minutes

  • Here’s what you’ll need to apply:

  • Your Social Security Number (or Individual Tax ID Number)
  • $100 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!

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Early Direct Deposit

  • Get paid 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.4
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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 with unlimited access – 24 hours a day, 7 days a week.

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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?

Additional Services

Shield & Lock

Overdraft Protection

Safeguard your checking account from overdrafts by setting up our convenient overdraft protection services.

Stop Payments

Place stop payments on checks before they have been cashed.

Wire Transfers

Easily transfer money from your Radius account to another person or a bank account elsewhere.

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.