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finder.com’s rating: 4.2 / 5.0
★★★★★
The Radius Bank Rewards Checking account gives you the opportunity to earn cashback on everyday purchases and interest on balances. The account also offers tools to help you keep your budget and financial growth on track. But you’ll need to meet monthly income qualifications or keep an average monthly balance to earn rewards.
$0 per month
Fee
Up to 0.15%
APY
$100
Minimum deposit to open
APY | 0.15% on balances of $100,000+ 0.10% on balances of $2,500 to $99,999.99 |
---|---|
Fee | $0 per month |
Minimum deposit to open | $100 |
ATMs | More than 20,000 ATMs + unlimited ATM surcharge rebates |
ATM transaction fee | $0 |
ATM fee rebates | Unlimited automatic ATM surcharge rebates for ATM fees other banks charge you |
Out-of-network ATM fee | $0 |
Overdraft fee | $25 |
Review by
Heather Petty is a writer at Finder specializing in banking, investments and insurance. She's a self-proclaimed word nerd who worked as a technical writer and editor for the casino systems industry and is an internationally published young adult mystery author. Heather earned a bachelor’s degree in English from the University of Nevada, Reno.
If you meet the income qualifications and are comfortable with online-only checking, the Radius Bank Rewards Checking account can be a great way to earn money on the purchases you’d make anyway.
You must meet the following requirements to open a Radius Bank Rewards Checking account:
When you’re ready to apply, have the following information on hand:
In addition to its online and mobile banking access, you’ll receive your first check order for free and the following perks:
The Radius Bank Rewards Checking account comes with several benefits, but it also has its drawbacks:
If you’re interested in a more personal banking experience, compare your options using our checking account finder.
Radius Bank ATMs are limited to the Boston Area. But its relationship with NYCE, MoneyPass and SUM networks gets customers access to about 325,000 ATM around the US for no fees.
If you use any ATMs out of its network, it offers unlimited reimbursements at the end of the month for any fees worldwide. However, it doesn’t cover international exchange fees.
In addition to the Rewards Checking account, Radius offers the following checking options:
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
We analyze top checking accounts and rate them one to five stars based on factors that are most important to you. These factors include: monthly fees, the ease at which monthly fees can be waived, the breadth of ATM access, ATM and overdraft fees, and customer service.