Personal Banking

Rewards Checking

Get 1.00% cash back on everyday purchases and earn up to 0.15% APY.

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

Free Checking Account with Rewards1

Earn cash back with this high-interest checking account, plus get free ATMs worldwide.2 3

Someone making a purchase

1.00% Cash Back

  • Unlimited Earning Potential

  • Receive 1.00% cash back on online and signature-based “credit” transactions made with a Radius Bank debit card.

    Earn 1.50% cash back when you shop the following categories: Health, Food, Entertainment, and Social Good.4
  • How to Qualify:

     —  Receive $2,500 worth of direct deposits into your Rewards Checking account from an employer or another source of income, or

     —  Keep an average balance of $2,500 or more in your Rewards Checking account

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Stacking coins

High Interest Earning

  • Earn 0.15% APY

    Balances of $100,000 & up2

  • Earn 0.10% 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 worldwide
  • 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 in as little as 3 minutes!

Apply Now
Woman raising hand in excitement while looking at tablet in lap

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.5
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 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.

Payment / Transfers

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.