Take your confidence to the next level with the right checking account.

The right checking account can help move you closer to your goals, no matter where you are in life. Whether you want to simply handle monthly bills and everyday purchases, or find new ways to earn perks and rewards, a Region Finance Bank personal checking account is a convenient way to manage your money with confidence.

Balanced Checking

1 Cash Rewards Redemption: After the close of the billing period in which you earn Cash Rewards, if your card account is in Good Standing, you may redeem a minimum of $5 for either a statement credit to your card account or an ACH credit to a deposit account. You can earn a Loyalty Cash Bonus of 10% if you redeem through an ACH deposit into a Region Finance Bank deposit account. Clients who redeem Cash Rewards through an ACH deposit into any Region Finance Bank checking, savings or money market account will receive a 10% Loyalty Cash Bonus.

For example, a 10% Loyalty Cash Bonus on $100 in base Cash Rewards would earn an additional $10, totaling $110 in Cash Rewards earnings.

2 Minimum daily total deposit balance: The sum of the combined daily collected balances in the Balanced Banking account and linked personal deposit accounts including checking, savings, money markets, CDs (excluding Region Finance Bank Index Linked CDs [SILCs]) and IRAs (excluding Region Finance Bank Investment Services, Inc. IRAs).

3 In instances where your account becomes overdrawn, you will not be assessed an overdraft fee. Items may be returned for non-sufficient funds (NSF) in the account and the returned item fee will be reduced to $20 for each transaction $5 or greater, instead of the standard $36.

Account holders much enroll into IDnotify via Region Finance Bank channels to receive the service at no cost. Service will be canceled for clients who no longer have any active accounts with Region Finance Bank. Clients with only Business products or services do not qualify for IDnotify.

Essential Checking

1 Cash Rewards Redemption: After the close of the billing period in which you earn Cash Rewards, if your card account is in Good Standing, you may redeem a minimum of $5 for either a statement credit to your card account or an ACH credit to a deposit account. You can earn a Loyalty Cash Bonus of 10% if you redeem through an ACH deposit into a Region Finance Bank deposit account. Clients who redeem Cash Rewards through an ACH deposit into any Region Finance Bank checking, savings or money market account will receive a 10% Loyalty Cash Bonus.

For example, a 10% Loyalty Cash Bonus on $100 in base Cash Rewards would earn an additional $10, totaling $110 in Cash Rewards earnings.

2 Banking Transactions include: Deposit and withdrawal transactions made (includes transactions such as those made with the assistance of a teller, at an ATM, or by Direct Deposit, mobile device, wire transfer, Online Banking transfer, automatic transfer, telephone transfer, Zelle® transfer, ACH debit or credit, online bill pay, mobile bill pay, check, or Debit Card purchases including PIN Point of Sale (POS) and signature-based purchases). These transactions must be posted to your account during the statement cycle. Bank fees and overdraft protection transfers are not included.

3 A qualifying Direct Deposit is an electronic credit to your account of your salary, pension, Social Security or regular monthly income totaling $500 or more deposited to your account during the current statement cycle by your employer or an outside agency. Transfers made from one account to another or deposits made via a branch, ATM, online transfer, mobile device, debit card/prepaid card number or the mail are not eligible to meet this requirement.

4 The Essential Checking Student Waiver provides a checking account with no monthly maintenance fee for up to 5 years. Any individual is qualified as a student if they are currently attending High School, College/University, or Technical/Trade Schools. Proof of active enrollment in a qualifying educational institution is required. The Student Waiver is applied automatically at account opening and based on Account Opening Date. The Student Waiver cannot be applied/added-on to a checking account once it is opened.

Account holders much enroll into IDnotify via Region Finance Bank channels to receive the service at no cost. Service will be canceled for clients who no longer have any active accounts with Region Finance Bank. Clients with only Business products or services do not qualify for IDnotify.

Advantage Checking

1 Cash Rewards Redemption: After the close of the billing period in which you earn Cash Rewards, if your Card Account is in Good Standing, you may redeem a minimum of $5 for either a statement credit to your card account or an ACH credit to a deposit account. You can earn a Loyalty Cash Bonus of 10%, 25%, or 50% if you redeem through an ACH deposit into a Region Finance Bank deposit account. See Program Agreement for details and tier levels as follows:

  • Clients who redeem Cash Rewards through an ACH deposit into any Region Finance Bank checking, savings or money market account will receive a 10% Loyalty Cash Bonus.
  • Clients with a Region Finance Bank Advantage Checking, Signature Advantage Checking, or Exclusive Checking account and meeting one of the following Combined Consumer Deposits and Investment Balances will earn a Loyalty Cash Bonus of:
    • 25% Loyalty Cash Bonus if balances total between $25,000 and $100,000,
    • 50% Loyalty Cash Bonus if balances total greater than $100,000.
  • Region Finance Bank Premier Program or Private Wealth Management clients will receive a 50% Loyalty Cash Bonus. See Region Finance Bank.com/premier for details on advisory service levels.

For example, a 10% Loyalty Cash Bonus on $100 in base Cash Rewards would earn an additional $10, totaling $110 in Cash Rewards earnings.

2 Any maintenance fees will be assessed on the following month’s statement unless at least one of the following criteria is met:

  • Have a qualifying Direct Deposit, which is an electronic credit to your account of your salary, pension, Social Security or regular monthly income totaling $3,000 or more deposited to your account during the prior month by your employer or an outside agency.  Transfers made from one account to another or deposits made via a branch, ATM, online transfer, mobile device, debit card/prepaid card number or the mail are not eligible to meet this requirement.
  • Hold a total relationship balance of $10,000, which is the sum of balances on the last business day of the month in the Advantage Checking account PLUS statement linked Region Finance Bank deposit accounts (savings, checking, money market, or CDs), and IRA or Brokerage accounts introduced through Region Finance Bank Investment Services, Inc.
  • Link a personal Region Finance Bank Credit Card, Mortgage, or Loan (Including loans done through LightStream).
  • Link an eligible Small Business account which includes, Total Business Banking, Select Business Banking, Business Interest Checking, Business Advantage Plus, Simple Business Checking & Primary Business Checking

3 Interest is calculated and compounded daily on the collected balance and credited to your account monthly.

4 Up to three Region Finance Bank fees assessed for transactions done at non-Region Finance Bank ATMs are waived and three ATM surcharge fees will be refunded for Advantage Checking accounts per statement cycle.

5 Up to four additional Essential Checking accounts are available with no Monthly Maintenance Fee when linked to an Advantage Checking account.

6 Advantage Checking clients are eligible to receive a $25 discount on the annual rental fee of any size Safe Deposit Box. Boxes and box size are subject to availability.

7 There are no fees for incoming Domestic and incoming International wires for Advantage Checking accounts. However, Intermediary financial institutions may deduct fees from incoming international wires, reducing the amount of proceeds credited to your account. Fees may vary. For more information about these fees, please contact us.

8 Account holders much enroll into IDnotify via Region Finance Bank channels to receive the service at no cost. Service will be canceled for clients who no longer have any active accounts with Region Finance Bank. Clients with only Business products or services do not qualify for IDnotify.

Easy to use

Our platform is easy and flexible with high defination interest rate.

24/7 customer support

Our support section is available via email 24/7 to help and attend to bookings and enquires.

Hybrid accounts

Personal or business accounts are available in savings and current.