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Copyright © 2018 Radius Bank. Member FDIC. Equal Housing Lender. All rights reserved.

Radius Hybrid Checking is a free checking account with no monthly maintenance fee and no minimum balance requirement after $100.00 to open the account. 

1] Radius Hybrid Checking earns 17 times more than the national average interest checking account. Source: FDIC as of 6/21/2018. 

2] Annual Percentage Yield (APY) is accurate as of 6/21/2018. Minimum amount to open account is $100.00. Rate tiers are as follows: 0.00% APY applies to balances of $0.01—$2,499.99, 1.00% APY applies to the entire balance on balances of $2,500.00 — $99,999.99, and 1.20% APY applies to the entire balance on balances of $100,000.00 or more. Rates may change after account is opened. Fees may reduce earnings.

3] Get unlimited automatic ATM surcharge rebates for ATM fees other banks charge you. ATM surcharge rebates apply to cash withdrawals from a Radius Hybrid Checking account using the Radius Debit Card wherever it is accepted. Radius Bank does not charge a fee for using another bank’s ATM. ATM fees will be rebated at the end of each statement cycle. Excludes international exchange fees. Radius Bank makes its best effort to identify those ATM fees eligible for rebate. In the event that you have not received a rebate for a fee you believe is eligible, please contact Customer Service at 800.242.0272. Radius Bank reserves the right to modify or discontinue the ATM surcharge rebate program at any time.

4] Out-of-network ATM fees cost $4.69 on average. Source: CNBC as of 6/21/2018. If someone were to use an out-of-network ATM 6 times per month at an average fee of $4.69 per withdrawal, they would spend $337.68 in ATM fees in 12 months.

5] See disclosure #1. Calculations based on annual interest earned for account balances of $10,000.00.

6] Annual Percentage Yield (APY) is accurate as of 6/21/18. Minimum amount to open account is $100.00. Rate tiers are as follows: 0.00% APY applies to balances of $0.01—$9.99, 0.05% APY applies to the entire balance on balances of $10.00—$2,499.99, 1.50% APY applies to the entire balance on balances of $2,500—$24,999.99, and 1.96% APY applies to the entire balance on balances of $25,000 or more. Rates may change after account is opened. Fees may reduce earnings.

7] Enroll in Radius Bank's Linked Protection Program and you can link up to three accounts to your personal checking account for overdraft protection. Personal accounts eligible for providing overdraft protection include: Checking, Savings, Money Market Account, and Overdraft Protection Lines of Credit. Overdraft protection is provided up to the available balance in the protection account for the amount of the overdraft. If funds pulled from an account cause that account balance to fall below the pre-established minimum to avoid fees, the account may be charged a maintenance fee. Radius Bank will only conduct one (1) daily transfer to cover the overdrawn amount. Under Federal Law, only six (6) pre-authorized transactions from a Savings or Money Market Account are permitted per statement period. Excess transfers may result in cancellation of service and possible closing of the protection account. 

8] Available to Radius Bank checking account holders. Approval based on credit score and other factors. Overdraft protection is provided up to the available balance in the protection account for the amount of the overdraft. If funds pulled from an account cause that account balance to fall below the pre-established minimum to avoid fees, the account may be charged a maintenance fee. Radius Bank will only conduct one (1) daily transfer to cover the overdrawn amount. Under Federal Law, only six (6) pre-authorized transactions from a Savings or Money Market Account are permitted per statement period. Excess transfers may result in cancellation of service and possible closing of the protection account. 

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Personal Finance Expert Cat Alford 
Recommends Radius Bank

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Your Social Security #

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$$ to fund your account

fund via debit card, prepaid card, or transfer from an existing bank account

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Radius Bank

  Use any ATM you want with Radius Hybrid Checking! 

We never charge a fee, and we rebate fees charged by other banks. It’s that easy!  

Why Radius Bank? 

FDIC-INSURED

Radius High-Yield Savings

Earn 1.50% APY on balances of $2,500-$24,999.99

Earn 1.86% APY on balances of $25,000 & up6

Automatic Linked Protection

Protect your checking account from overdrafts by linking to a savings account for free7

Overdraft Protection Line of Credit

Protect your checking account from overdrafts with a line of credit8

Average Interest Checking

$337.68
in ATM fees annually4

Radius Hybrid Checking

$0.00
in ATM fees annually3

Earn 17-20x More with Radius

Average Interest Checking

$5.00
in interest earned annually5

Based on annual interest earned for account balances of $10,000

Radius Hybrid Checking

$100.00
in interest earned annually5

Based on annual interest earned for account balances of $10,000

We offer more than just great checking accounts!

Compare ATM Fees table
Earn 17 times more with Radius table

Radius Hybrid Checking

Average Interest Checking

$0.00

$337.68

in ATM fees annually3

in ATM fees annually4

Average Interest Checking

in interest earned annually5

$85.00

Radius Hybrid Checking

$5.00

in interest earned annually5

Based on annual interest earned for account balances of $10,000

Based on annual interest earned for account balances of $10,000

Turn your card on and off as you please and manage alerts.

Radius Debit Card

Protect your free debit card with the Radius Card app!

Protect your free debit card with the Radius Card app!

Equal Housing Lender - Member FDIC

Compare ATM Fees

As an entreprenuer and a busy mom of twins, I need a bank that can keep up with me. I can open an account online in just a few minutes, which gives me more time with them.

Cat Alford

right quote

Personal Finance Expert Cat Alford 
Recommends Radius Bank

left quote
left quote

Personal Finance 
Expert Cat Alford 
Recommends Radius Bank

  Radius Hybrid Checking earns:

1.00% APY on balances of $2,500 – $99,999.99

1.20% APY on balances of $100,000 & up

Earn 17-24x More
with Radius

  Radius Hybrid Checking earns:

0.85% APY on balances of $2,500 – $99,999.99

1.20% APY on balances of $100,000 & up

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