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Checking Accounts

Tired of Pesky Monthly Fees and Minimum Balance Requirements?

Raiz is revolutionizing banking with a free checking account that offers more competitive rates than other institutions.

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Overview

Finally, you can focus on your finances and feel freedom from annoying fees and minimum balance requirements.

Features

Free Mastercard® Debit Card

Accepted at most retailers, this card makes spending your funds more convenient.

No Monthly Fees

When compared to checking accounts at other institutions, ours allow you to save money without extra fees.

Free Online and Mobile Banking

With your account balances and tools available 24/7, you can manage your money in any location.

Digital Banking

Earn Dividends

If you have a daily balance of $2,500 or more, watch your funds grow faster.1

And more

As high as

APY2
No Monthly Fees or Minimum Balance Requirements

Focus on Managing Your Money Without Additional Charges

Now you can worry less about maintaining a specific balance or paying to open an account, and focus more on how you spend.

Nationwide ATM Access

Access Your Money Wherever You are in the Nation

Now you can withdraw cash without paying a fee at more than 50,000 Allpoint ATMs across the country, so you can access your funds when you need them most.

Digital Wallet

Life is Too Short to Spend at the Checkout Stand

No more rummaging for the right card in your wallet, swiping, or inserting into a chip reader. With a simple tap of your phone, you can complete your transactions faster. Digital Wallet is compatible with Apple Pay, Google Pay, and Samsung Pay, meaning most mobile devices can make faster payments with our app.

Why Choose Raiz?

Our financial experts are some of the best, but really our motivation is you. Here is what we are doing today to reach a brighter tomorrow.

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We work hard to make your money work for you. Reap the benefits of our innovative products and services that provide you with high dividend checking accounts, low interest on loans, and great rates on savings and retirement accounts.

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Your money never sleeps, and neither do we. Raiz members have 24/7 access to digital banking and an online support chat available to help with all your banking needs.

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We don’t just want to help you manage your money, we want you to thrive! Raiz provides free, award-winning online courses that cover an array of topics for every stage of your life.

Start your financial journey today.
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Rising up our community is what drives us forward. We dedicate our time, funds, and resources to organizations and initiatives that are committed to making a difference.

How It Works

Open a checking account today with a few simple steps.

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    Apply Online

    Conveniently apply for your account on your computer or phone.

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    Make Initial Deposit

    Deposit your initial funds to start your account's growth.

  • 3

    Manage Your Account Remotely

    With online and mobile banking you can quickly view and manage your balances.

Open account online

Top Checking Account Questions

  • No monthly service fees regardless of direct deposit or balance in the account. Checking accounts are completely free!

  • No, a Savings account must first be established before opening any other account.

  • No, our checking accounts allow unlimited transactions

  • You may order checks once the checking account is opened. Basic checks begin at $23.20 are prices are subject to change. Order Checks

    • There is a $5.00 Courtesy Pay fee if the transaction amount causing the overdraft is $10.00 or less.
    • There is a $19.00 Courtesy Pay fee if the transaction amount causing overdraft is more than $10.00.
    • There is no cost for Courtesy Pay unless you use the service.
  • Checking accounts have no monthly service fees regardless of direct deposit or the balance on the account. In other words, they are entirely free!

  • No, members are required to have a savings account before opening any other account.

  • No, there are no transaction limits on checking accounts.

  • You may order checks once the checking account is opened. Basic checks begin at $23.20 and prices are subject to change.

  • There is a $5.00 Courtesy Pay fee if the transaction amount causing the overdraft is $10.00 or less. If the transaction amount causing the overdraft is more than $10.00, there is a $19.00 Courtesy Pay fee.

    There are no Courtesy Pay fees unless you use the service by over-drafting your account.

Have a question?

We’re happy to help you every step of the way!

Chat with us

Start live chat

Chat live with a team member who can quickly help answer your question.

Call us

1-877-378-3281

Give us a call directly; we’re here to help you every step of the way.

Meet with us

Schedule an appointment

Schedule a virtual or phone appointment convenient for you, and let us help you get to the next financial level.

Checking Account

Enjoy a More Affordable, Hassle-Free Checking Experience

Raiz is here to make banking simple again with a free checking account that you can apply for in minutes.

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