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

Apply Online

Other
Banks

$0.00
ATM fee savings annually

Radius
Hybrid Checking

$337.68
ATM fee savings annually

Free ATMs worldwide

We won't charge a fee, and we rebate ATM fees 
charged by other banks, worldwide.

It’s that easy!

Use any ATM you want!

As seen on:

Morning Brew
Digg
Nerdwallet
Bankrate
The Hustle

Ready to apply?

You'll need:

check
3 minutes of your time

Open your account completely online
in 3 minutes or less

check
$100 or more to open

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

check
Your Social Security number

or Individual Tax ID number
to verify your identity

Open Online Now
Radius Mobile app

Deposit checks

View transactions

Send and request money from friends

Transfer funds to/from your Radius account

Manage your budget

Track your spending

Lower utility bills with Bill Shark

Insure the things you love with Lemonade

Available for iOS and AndroidTM

  Bank from anywhere with Radius Mobile

A full-service bank at your fingertips

Radius Debit Card

Turn your debit card on & off, set custom alerts, location-based access, transaction restrictions, and spending caps in seconds.

Protect your free debit card
with the Radius Card app!

Not ready yet?

*required to submit

Leave your email address
and we'll reach out to you later!

Open Online Now

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

Apply Online

Testimonials


 Sarah E.

“I earned $930.00 cash back in 2018!”


Dan M. 

“My cash rewards pay for my daily coffee habit :)


 Nicole W.

“I received $117.00 in ATM rebates last month!”

Sarah E. - "I earned $930.00 cash back in 2018!"
Dan M. - "My cash rewards pay for my daily coffee habit :)"
Nicole W. - "I received $117.00 in ATM rebates last month!"
Open Online Now

Get unlimited 1% Cash Back
on debit card purchases
with Rewards Checking*

No Fees  |  Free ATMs1

Open Online Now

Get unlimited
1% Cash Back
on debit card purchases
with Rewards Checking
*

Early Direct Deposit2

Never pay an ATM fee
No monthly fees

Benefits of Rewards Checking

FDIC-insured
Manage your budget, track spending, and lower bills with Radius Mobile3
Earn 1% cash back
Early direct deposit
Never pay an ATM fee1
Early direct deposit2
Set up direct deposit into your Radius account and you're eligible to receive your money up to two days early.

Get Paid up to 2 Days Early

Your paycheck will be available as soon as your employer submits their payroll files to the Federal Reserve. For many, this means receiving your funds as early as Wednesday on pay weeks.

Direct Deposit

Copyright © 2019 Radius Bank. Member FDIC. Equal Housing Lender. All rights reserved.

[*] Rewards Checking is a free checking account with no monthly maintenance fee and no minimum balance requirement after $100.00 to open the account. The Debit Card Rewards Program (Cash Back Rewards) will provide 1.00% of all Qualified Purchases made by eligible Rewards Checking account holders if the account holder does any of the following: keeps an average balance of $1,000 or greater within the month in their Rewards Checking Account, receives funds in their Radius account via qualifying Direct Deposit, or has an average combined balance of all Rewards Checking, Radius Hybrid Checking, and Radius High-Yield Savings accounts within the month.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, 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). 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 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.

[1] Get unlimited automatic ATM surcharge rebates for ATM fees other banks charge you. ATM surcharge rebates apply to cash withdrawals from a Hybrid Checking, 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 6/10/2019. 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.

[2] Direct Deposit and earlier availability of funds is subject to payer's support of the feature and timing of payer's funding.

[3] 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.

Equal Housing Lender - Member FDIC
Radius Bank