Checking Accounts

*NON US TRANSACTIONS IN FOREIGN CURRENCY-Mastercard® will use the current conversion rate, convert the transaction into a U.S. dollar amount and charge a cross border assessment amount to go along with a separate international transaction fee.

Checking Account Comparison

Thank you for your interest in a Rio Bank checking account. From our basic Prestige Checking and most popular Rio Advantage Checking account, to our interest paying Money Market account, the account comparison table is an easy reference guide to help you find the best checking account to meet your personal needs. Use our Account Advisor tool to help you find the account that’s perfect for you!

ACCOUNT ADVISOR

Compare Checking Account Features

Account Type	Min. Opening Deposit	Monthly Debit Card Fee	Electronic Statements (E-Statements)	Monthly Service Charge	Minimum Balance to Avoid Imposition of Fees	Interest Paid Monthly	Overdraft Protection	New Account Opening Options
Rio Advantage Checking	$50	None	*Available	$7.76	None	N/A	**Overdraft Protection	APPLY NOW
Prestige Direct Deposit Checking	$50	$1.76	*Available	$12.76	Monthly direct deposit $100 or more	N/A	**Overdraft Protection	In-Branch
Bonus Checking	$50	$1.76	Required	$3.76	$250	N/A	**Overdraft Protection	In-Branch
Prestige Money Market	$50	Not offered	Available	$15.76	$2,500	2	N/A	APPLY NOW
The Money Maker	$50	None	Required	$0.00	None	1	**Overdraft Protection	APPLY NOW
Personal Jumbo Money Market	$100,000	Not offered	Available	$25.96	$100,000	3	N/A	In-Branch
Young Generation Checking	$50	None	Required	$0.00	None	N/A	N/A	In-Branch

At this time you can only open an individual account online. To open a joint owners account, visit a Rio Banking Center.

*Mailed Consumer Statement Fee - Avoid mailed consumer statement fee with Electronic Statement (E-Statement) enrollment

**Courtesy Pay – Subject to Eligibility

¹ Additional Terms: In order to receive the premium interest rate on deposits up to $50,000 all of the following are required to be posted during the monthly statement cycle for this type of account: 10 posted debit card transactions, Electronic Statement (E-Statement) and 1 deposit of $250 or higher.

² Interest will not accrue on days the balance is less than $2,500.

³ Interest will not accrue on days the balance is less than $100,000.

Rio Advantage Checking

Rio Bank’s premier package account includes benefits that provide safety and peace of mind for your family with Accidental Death & Dismemberment Insurance and prevents from becoming a victim of Identity Theft.

$50.00 minimum to open No debit card monthly fee A mailed consumer statement fee waived with Electronic Statement (E-Statement) enrollment. Non-interest bearing account $30,000 Accidental Death Insurance* $60,000 Common Carrier Insurance*

Cyber Scout (Identity Theft Service) Savings Made Easy Rio Custom Checks Discount Rio Cashier Checks Discount Domestic Wire Transfer Discount See all the Benefits

*NOT FDIC-INSURED, NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY, NOT GUARANTEED BY THE BANK, NOT A DEPOSIT, MAY GO DOWN IN VALUE.

Bonus Checking

Earn more money on your account with bonus payment directly into your account.

• $50.00 minimum to open
• Required Electronic Statement (E-Statement) enrollment
• Non-interest bearing account
• As an account bonus, .20% will be paid at the end of the statement cycle for each dollar amount posted on either signature-based or PIN-based purchases.

The Money Maker

Rio Bank’s premier interest paying account with unlimited check writing and unlimited debit card usage.

• $50.00 minimum to open account
• No debit card monthly fee
• Required Electronic Statement (E-Statement) enrollment
• Additional Terms: In order to receive the premium interest rates on deposits up to $50,000 all of the following is required to be posted during the monthly statement cycle for this type of account: 10 posted point of sales (POS) debit card transactions, Electronic Statement (E-Statement) and 1 deposit of $250 or higher. Interest is paid on balances over $50,000 at the current NOW Checking account rate (rates are variable and subject to change without notice).
• The Bank will reimburse ATM fees from foreign non-Rio Bank ATM transactions up to $12 per monthly statement cycle.

Prestige Money Market

A flexible checking account with the earning power of a savings account.

• $50.00 minimum to open
• Monthly mailed statement. Electronic Statement (E-Statement) enrollment available.
• Minimum balance to avoid imposition of fees – A service charge of $15.76 will be imposed every statement cycle if the balance in the account falls below $2,500 any day of the cycle.
• Minimum balance to obtain the annual percentage yield disclosed – You must maintain a minimum balance of $2,500 in the account each day to obtain the disclosed annual percentage yield.
• You may make six (6) withdrawals per monthly statement cycle at no charge. Each additional withdrawal will result in a service charge of $16.76.
• Effect of closing an account — if you close your account before interest is credited, you will not receive the accrued interest.

Young Generation Checking

Available to customers from 16-23 years of age.

• $50.00 minimum to open
• No debit card monthly fee
• The following is required for this type of account:
• Enroll in Online banking
• Download Rio Bank app
• Sign up for E-Alerts
• Electronic Statement (E-Statement) enrollment
• Non-interest bearing account

**Note: Upon reaching 24 years of age, the account will automatically switch to a Bonus Checking. Customers under the age of 18 must have an adult co-owner on the account.