Current accounts that don't nibble at your balance
No monthly maintenance fee. No minimum balance. No charge for using another bank's ATM. We make money by lending your deposits well — not by charging you $12 to hold them.
Monthly fee
$0
On Everyday Checking, with no balance requirement
Three accounts. Pick the one that fits.
You can switch between them at any time in the app, without closing anything or changing your account number.
Everyday Checking
For day-to-day money that needs to just work.
$0/month
No minimum balance
- Contactless debit card
- Fee-free at 3,100 ATMs
- $100 overdraft buffer
- Salary up to 2 days early
- No interest on balance
Premier Checking
For balances that sit still and should be earning.
$14/month
Waived above $5,000 balance
- Everything in Everyday
- 1.85% APY on balance
- Metal debit card
- No foreign transaction fee
- Priority phone line
Student Checking
Ages 17–24, in full-time education.
$0/month
Free for five years
- Everything in Everyday
- $250 interest-free overdraft
- No fees abroad
- Budget coaching in app
- Converts to Everyday at 24
All rates and fees shown are illustrative sample content for this template. Annual Percentage Yields are variable and may change.
4.25% APY, paid daily, on every dollar
Reserve Savings has no minimum, no tiers and no introductory rate that quietly drops after four months. Interest accrues daily and lands on the first of the month.
What could that grow into?
Compounded monthly. Move the sliders — the calculation runs in your browser and nothing is recorded.
Projected balance
You put in
Interest earned
Included with every personal account
Instant transfers
Money reaches any US account in seconds, seven days a week, with no transfer fee.
Card controls
Freeze instantly, block categories, disable foreign use and generate virtual card numbers.
Free credit score
Refreshed weekly in the app, with the factors moving it explained in plain English.
Zero-liability guarantee
If someone else spends your money, you get it back. Provisional credit typically within one business day.
Automatic budgets
Spending is categorised for you, with a nudge before a category runs dry rather than after.
142 branches
Walk in for day-to-day banking with no appointment, or book 45 minutes with a specialist.
We move the direct debits. You keep the afternoon.
The switch service transfers your payments and salary, and closes the old account for you. Most customers are fully moved within seven working days.
Open the account
Five minutes online with a photo ID. Approved in most cases immediately.
Pick a switch date
Any working day from seven days out. You choose, not us.
We do the admin
Payments, standing orders and salary move across. Your old bank is notified.
Anything missed is covered
If a payment goes astray during the switch, we refund the charges. No argument.
A government photo ID, your Social Security number and a US address. If you're opening online you'll also take a short selfie so we can match it to the ID. Most applications are approved immediately.
On Everyday and Student Checking, none — with no minimum balance and no activity requirement. Premier Checking is $14 a month, waived entirely if your balance stays above $5,000. Other charges (wire transfers, expedited cards) are listed in full on the rates page.
It isn't an introductory rate, so there is no cliff date built into the product. It is a variable rate, which means it moves with the market — but it moves for everyone at once, and we publish the change fourteen days before it takes effect. If you want certainty, a fixed-rate certificate locks the rate for the full term.
Yes — up to ten personal accounts, including joint accounts and savings pots, all under one login. Many customers run a checking account for bills, a second for spending and Reserve Savings for everything else.
Rielora Capital is a Member FDIC institution, so eligible deposits are insured to $250,000 per depositor, per ownership category. Joint accounts are covered to $250,000 per co-owner. Investment products held through Rielora Capital Wealth are not FDIC insured and can fall in value.