Reward Checking

Our Reward Checking account is for customers who want it all. The best rates? It’s got them. Our most complete range of checking account benefits? It’s got that too. If you maintain a minimum aggregate deposit balance of $1,000 or $25,000 in loan balances, this is the account for you.

Reward Checking Benefits

Unlock our best checking interest rate
Protect your cell phone against breaks and theft
Qualify for automatic refunds on nationwide ATM fees up to $25 per cycle
Shop confidently with ID theft aid
Find local discounts and national retailer deals
Enjoy roadside assistance: available 24/7 with no charge for covered services up to $80
Send and receive funds easily with Zelle®
Travel with peace of mind: $10,000 accidental death coverage
Bank anywhere with free online banking, bill payment, and eStatements
Save on prescriptions, eye exams, frames, lenses, and hearing services


Yes, your Reward Checking account includes a monthly fee of $8. If you maintain a $1,000 aggregate deposit balance, or a $25,000 aggregate loan balance across all of your Reliance Bank accounts, we’ll waive this monthly fee and we will refund nationwide ATM transaction fees up to $25 per qualification cycle.

Absolutely. We’ve made our online, mobile, and tablet banking services free, as in ZERO fees, NO charges. Just remember, your mobile carrier may charge for internet access or text messages, and message and data rates may apply.

For each qualification cycle, you’ll need to have at least 12 point-of-sale transactions using your Reward debit card, post and settle, and at least one direct deposit or one automatic payment post and settle. Also, you’ll need to enroll for eStatements on your Reward Checking account.
ATM transactions, items returned, and intrabank transfers do not count towards your 12 qualifying transactions. Transactions may take one or more business days from the date they were made to appear in your account.

If you’re going to be banking on your phone, you need it to be in working order. That’s why we offer protection of up to $400 for cracks, drops, breaks, and theft, up to a maximum of $800 per year. Cell phone protection is available via the BaZing mobile app and is subject to additional terms and conditions.

In case of an unexpected death, your Reward Checking account can cover up to $10,000 in Accidental Travel Death Coverage. When you’re in an unfamiliar place and the worst happens, we’ll get through it together. Accidental Travel Death Coverage is available via the BaZing mobile app.
Not a bank deposit. Not FDIC insured. Not insured by any government agency. No bank guarantee.

Shopping is something you should be able to do comfortably and securely wherever, whenever. To help protect you, we include payment card protection, identity theft aid, and personal identity protection up to $2,500 with Reliance Bank Reward Checking accounts. Personal identity protection is available via the BaZing mobile app and is subject to additional terms and conditions.