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Radius Debit Card

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Copyright © 2020 Radius Bank. Member FDIC. Equal Housing Lender. All rights reserved.

Rewards Checking and Superhero Checking are free checking accounts with no monthly maintenance fee and no minimum balance requirement after $100.00 to open the account. [1] The Debit Card Rewards Program (Cash Back Rewards) will provide 1.00% cash-back on all Qualified Purchases made by eligible Rewards Checking account holders if the account holder does any of the following; meet the requirements, is grandfathered in, or keeps an average balance of $2,500 or greater within the calendar month in their Rewards Checking Account, or receives total deposits of $2,500 or more in their Rewards Checking account via qualifying Direct Deposit within the month. Qualifying Direct Deposits are Automated Clearing House (ACH) credits, which may include payroll, pension or government payments (such as Social Security) by your employer, or an outside agency. Radius Bank may require documentation to verify that credits are Qualifying Direct Deposits. The value of this reward may constitute taxable income to you. You may be issued an Internal Revenue Service Form 1099 (or other appropriate form) to you that reflects the value of such reward. Please consult your tax adviser, as Radius Bank does not provide tax advice. Qualified Purchases include signature-based purchases made with a Radius Bank Debit Card tied to a Rewards Checking account enrolled in the Debit Card Rewards program. These are “credit” purchases that can be made in stores and online. To make a signature-based purchase, select “credit” rather than debit at point-of-sale kiosks. The “credit” option is most often pre-selected when making purchases online using a debit card. Online subscription payments may not be considered signature-based purchases. The payment transaction type (signature-based or other) is ultimately decided by the merchant and how the transaction is transmitted to Radius Bank at the time of processing. We reserve the right to determine if a transaction was a Qualified Purchase, and to establish additional types of Qualified Purchases that could be made available in a variety of ways. Any goods or services purchased with the Radius Bank Debit Card that are returned or otherwise credited to your Account are not qualified purchases. Unlawful purchases and purchases of currency, cash or cash equivalents (including, without limitation, currency from the U.S. Mint, Travelers Cheques, gift cards, Cryptocurrency, Casino Chips, Peer to Peer Payments, prepaid debit cards, account openings, loan payments, or other cash equivalents) made with your Radius Bank Debit Card are not Qualified Purchases. We may require you to provide documentation to validate that certain purchases are Qualified Purchases. Radius Bank reserves the right to modify or discontinue this program at any time. Your enrolled account must remain open, active, and in good standing to participate in the program, meaning: No NSF (non-sufficient funds) items during the preceding twelve calendar months in your checking account (regardless of the type of checking account). An eFunds check must show no negative history in the preceding twelve months and all monthly servicing fees must have been paid in full for the 12 preceding months. Radius Bank reserves the right to modify the description of “good standing” at any time. If you or the Bank closes your account for any reason before the end of the statement cycle, you will forfeit all rewards accrued through your linked Debit Card during that statement cycle.  [2] Rewards Checking: Annual Percentage Yield (APY) accurate as of 3/17/2020. 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, 0.10% APY applies to the entire balance on balances of $2,500.00-$99,999.99, and 0.15% APY applies to the entire balance 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 Rewards Checking or Superhero 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. Out-of-network ATM fees cost $4.69 on average. Source: CNBC as of 9/04/2019. 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. [4] Direct Deposit and earlier availability of funds is subject to payer's support of the feature and timing of payer's funding. [5] Standard data and message rates may apply for all Mobile Banking services, including the Radius Mobile and Radius Card apps. Radius Mobile and Radius Card are available for free on Android and iOS mobile devices and are only available to Radius Bank personal account holders. [6] Radius will provide 1.00% of all Qualified Purchases made by eligible Superhero Checking account holders starting September 1, 2018, and ending July 31, 2020, if the account holder keeps an average balance of $2,500 or greater within the month in their Superhero Checking Account, Qualified Purchases include signature-based purchases made with a Radius Bank Debit Card tied to a Superhero Checking account. These are “credit” purchases that can be made in stores and online. To make a signature-based purchase, select “credit” rather than debit at point-of-sale kiosks. The “credit” option is most often pre-selected when making purchases online using a debit card. Online subscription payments may not be considered signature-based purchases. The payment transaction type (signature-based or other) is ultimately decided by the merchant and how the transaction is transmitted to Radius Bank at the time of processing. We reserve the right to determine if a transaction was a Qualified Purchase, and to establish additional types of Qualified Purchases that could be made available in a variety of ways. Any goods or services purchased with the Radius Bank Debit Card that are returned or otherwise credited to your Account are not qualified purchases. Unlawful purchases and purchases of currency, cash or cash equivalents (including, without limitation, currency from the U.S. Mint, Travelers Cheques, gift cards, prepaid debit cards or other cash equivalents) made with your Radius Bank Debit Card are not Qualified Purchases. We may require you to provide documentation to validate that certain purchases are qualified purchases. Radius Bank reserves the right to modify or discontinue this program at any time. Your enrolled account must remain open, active, and in good standing to participate in the program, meaning, No NSF (non-sufficient funds) items during the preceding twelve months in your checking account (regardless of the type of checking account). Radius Bank reserves the right to modify the description of “good standing” at any time. If you close your account for any reason before the end of the statement cycle, you will forfeit all rewards accrued through your linked Debit Card during that statement cycle. Superhero Checking is a free checking account with no monthly maintenance fee, no minimum balance requirement after $100.00 to open the account, and is FDIC-insured up to the maximum allowed. Annual Percentage Yield (APY) is accurate as of 03/17/2020.  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, and 0.05% APY applies to the entire balance on balances of $2,500.00 or more. Rates may change after account is opened. Fees may reduce earnings. [7] National average source: FDIC as of 3/17/2020. 

Direct Deposit

Our Best Checking Account Offer Just Got More Rewarding

Open Online Now

Rewards Checking

Radius Debit Card
Member FDIC

Our Best Checking Account Offer Just Got More Rewarding

Rewards Checking

Earn Unlimited 1% Cash Back1

& Earn up to 0.15% Interest2

Earn Unlimited 1% Cash Back1 & Earn up to 0.15% Interest2

Online & Mobile Banking
No Fees, No Minimums

24/7 Online & Mobile Banking

Manage your accounts from anywhere, any time. Deposit checks, view transactions, transfer funds, manage your budget, and more!5

Free ATMs Worldwide

We won't charge a fee, and we rebate ATM fees charged by other banks, worldwide. Get unlimited ATM fee rebates and save over $300 this year!3

No Fees, No Minimums

It's your money, you shouldn't have to pay to use it. No monthly service fees. No minimum balance requirement after $100.00 to open. 

Free ATMs

Early Direct Deposit

Set up direct deposit into your Radius account and you're eligible to receive your money up to 2 days early.4

Open Online Now

Open an account online in under 3 minutes
with as little as $100!

Apply Online

AS SEEN ON

Morning Brew
Nerdwallet
Forbes
The Hustle
Radius Mobile app

Deposit checks

View real-time transactions

Pay bills and transfer funds

Manage your budget and track spending

Improve your financial health with our marketplace partners

Available for iOS and AndroidTM

Bank from anywhere with Radius Mobile

A full-service bank at your fingertips

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Ready to apply?

Open your account completely online in 3 minutes or less

3 minutes of your time

You'll need:

$100 or more to open

Fund via debit card, prepaid card, or transfer from your existing bank account

Open Online Now
Computer or mobile device

You can apply from anywhere, at any time

*required to submit

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and we'll reach out to you later!

Equal Housing Lender - Member FDIC
Radius Bank
Radius Debit Card

No Fees, No Minimums

It's your money, you shouldn't have to pay to use it. No monthly service fees. No minimum balance requirement after $100.00 to open.

24/7 Online & Mobile Banking

Manage your accounts from anywhere, any time. Deposit checks, view transactions, transfer funds, manage your budget, and more!5

Free ATMs Worldwide

We won't charge a fee, and we rebate ATM fees charged by other banks, worldwide. Get unlimited ATM fee rebates and save over $300 this year!3

Early Direct Deposit

Set up direct deposit into your Radius account and be eligible to receive your money up to two days early.4

Testimonials

Why it pays to be a Radius customer

Our average customer received these rewards in 2019


Cathy I.

“I put my earned interest towards my savings goals.

Cathy I.

490

$

Interest Earned

Interest Earned

210

$

Steven W.

“I was able to get a weekly drink from my favorite coffee shop with my rewards.


Steven W.

Cash Back Rewarded

Cash Back Rewarded

160

$

Michael S.

“I surprised my husband with concert tickets using my ATM rebates.


Michael S.

ATM Fees Rebated

ATM Fees Rebated


Unlimited 1% Cash Back


Free ATMs worldwide and
unlimited rebates

Radius Bank

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Earn 0.10% – 0.15% APY


Free unlimited external transfers


Unlimited 1% Cash Back


Earn 0.10% – 0.15% APY


Free unlimited external transfers


Other rewards programs limit the
amount you can earn in a month


The national average interest bearing
checking account earns 0.06% APY7


Most banks charge a fee for using
out-of-network ATMs

Other Banks

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X = No mark

Other banks charge a fee and have
limitations for external transfers

Open Online Now

Open an account online in under 3 minutes
with as little as $100!

Apply Online

Security

Security

We use 256-bit encryption to ensure that data is protected with the highest level of security.

FDIC Insurance

FDIC Insurance

Your deposits are FDIC-insured up to the highest possible amount allowed – $250,000.

Have a question? We're here to help. Chat with us online, or reach us by phone or email.

Customer Support

Customer Support
Radius Mobile app
Radius Mobile app

Compare Checking Accounts

Rewards Checking

Rewards Checking

Open Rewards Checking
 Earn High Interest 2

0.10% APY on balances
of $2,500–$99,99999

0.15% APY on balances
of $100,000 & up



 Earn Cash Back 1

1.00% cash back on
 debit card purchases

Minimum Balance
to Earn

$2,500


Earn for Charity
Open Superhero Checking

Superhero Checking

 Earn Donations 6

1.00% of debit card purchases donated to March of Dimes

0.05% APY for you & 0.05% APY donated to March of Dimes

Minimum Balance
to Earn

$2,500