Saving
6 min read
The quiet cost of leaving cash in a 0.01% account
Three years of inflation has made idle balances expensive. Here's the arithmetic, and what to do about it.
14 July 2026
Reserve Savings now pays 4.25% APY
Banking built on
Banking built on
answers, not hold music.
Fifty-three years of commercial banking, a balance sheet you can lean on, and a named banker who picks up the phone. Rielora Capital serves 480,000 households and 26,000 businesses across four regions.
4.8/5 from 12,400 app reviews
Member FDIC
Deposits insured to $250,000
Reserve Savings
4.25%
APY · paid daily · no minimum
Transfer complete
$12,480.00 · instant
What we do
Every financial job, under one roof
From a first checking account to a $40M syndicated facility — the same bank, the same standards, the same banker who knows your name.
Everyday banking
Checking with no monthly fee, savings that actually pay, and CDs from 3 to 60 months.
- Fee-free overdraft buffer to $100
- Salary up to 2 days early
Business & commercial
Operating accounts, payroll, merchant acquiring and credit facilities to $40M.
- Named relationship manager
- Same-day ACH & wires
Cards & payments
Cashback, travel and business cards with instant freeze and virtual numbers.
See all cardsWealth & advisory
Discretionary portfolios, retirement planning, trusts and succession advice.
Wealth managementDigital banking
Move money, split bills, set budgets and open products entirely in-app.
See the app
Who we serve
Built for whichever side of the ledger you're on
Money that behaves itself
Everything in one app: your checking, savings, card controls and credit score. Set a budget and Rielora Capital will tell you before you break it — not after.
No monthly maintenance fee, ever
Fee-free at 3,100 ATMs nationwide
Freeze and unfreeze cards instantly
Free credit score, refreshed weekly
A bank that keeps up with your invoices
Open an operating account the same week, take card payments the day after, and borrow against your receivables when a big order lands.
200 free transactions each month
Next-day merchant settlement
Multi-user roles and approvals
Accounting sync in one click
Advice that survives contact with a bad quarter
Discretionary and advisory mandates from $250,000, run by a team that publishes its assumptions and reviews them with you twice a year.
Fees from 0.55% all-in
Trust and estate structuring
Tax-aware rebalancing
Business succession planning
53
Years in business
Chartered in 1972
$84.2B
Assets under management
As at Q2 2026
480K+
Households served
Plus 26,000 businesses
142
Branches nationwide
3,100 fee-free ATMs
In your pocket
The whole bank, minus the queue
Open products, dispute a charge, order a replacement card or talk to a human — all without leaving the app. Rated 4.8 by 12,400 customers.
Instant transfers, 24/7
Send to any US account in seconds — weekends and holidays included — with no transfer fee.
Budgets that update themselves
Spending is categorised automatically and you get a nudge before a category runs dry, not after.
Card controls you actually control
Freeze, set merchant categories, block foreign use and spin up a virtual card in two taps.
This month
+12.4%
$8,412.90
11min
Median time to reach a human on our business line
Why Rielora Capital
Big enough to lend, small enough to answer
We're a commercial bank with an $84.2B balance sheet and a service model that hasn't been outsourced. Every business customer gets a named banker with a direct line.
Decisions made locally
Credit committees sit in each region. Facilities under $2M are approved in five business days.
Pricing you can read
One fee schedule, published in full, in plain English. No teaser rates that quietly expire.
Security without friction
Passkeys, device binding and behavioural monitoring — plus a zero-liability fraud guarantee.
Community reinvestment
$1.4B committed to affordable housing and small-business lending in our four regions since 2019.
Customer stories
People who moved and didn't move back
Marisol Vega
Founder, Vega Ceramics
Business customer since 2019
"I called about a working capital line at 9am and had a term sheet before lunch. My old bank took three weeks to tell me they'd lost the file."
Daniel Osei
First-time buyer, Austin
Mortgage customer since 2024
"Pre-approval came back in a day, and the rate I was quoted at the start was the rate I signed. Nobody tried to sell me insurance I didn't need."
Priya Raman
CFO, Halverson Logistics
Treasury customer since 2016
"We run payroll for 340 people across three states. In nine years Rielora Capital's treasury platform has never missed a run — and I've never waited on hold."
Insights
All articles
Research worth your commute
Business
9 min read
Working capital: how much runway is actually enough?
A practical framework for sizing a credit line against seasonality, receivables and payroll.
2 July 2026
Markets
5 min read
What a flatter curve means for your fixed-rate decision
Our economists on the two-year outlook, and why locking a rate is not always the safe option.
24 June 2026
Where to find us
1 active office. One hundred and forty-two branches.
Walk into any Rielora Capital branch and a banker can see your whole relationship — no re-explaining, no transferring you three times.
Global headquarters
Phnom Penh
No. 21-22 , Sangkat Veal Vong, Khan 8 Makara, Cambodia
Switch in an afternoon. We'll do the paperwork.
Our switch team moves your direct debits, standing orders and salary across for you — and tells your old bank you're leaving. Most customers are fully moved within seven working days.