Personal Banking

Invitation Checking

Checking Accounts

Get the checking account features you want most, with all the service, trust, convenience and value you deserve. Choose the right checking account that fits your lifestyle.

Compare Ridgewood Checking Accounts

Free Checking

With no minimum balance requirement and an opening balance as little as $25.00, this is an easy account for managing your money. And you have three convenient ways to get free checking:

  1. Sign up for and use Direct Deposit
  2. Sign up for online banking
  3. Maintain a combined total balance relationship of $2,500.00 in your Ridgewood deposit accounts

Additional features:

  • No minimum balance requirement in checking account
  • No monthly service fees if conditions are met
  • Ridgewood Debit MasterCard® 
  • Free Mobile Banking*
  • Free Online Banking and Bill Payment
  • Free Telephone Banking
  • Secured Custom Credit Line for qualified applicants
  • Free account alerts
  • Receive a .125% interest rate discount on a qualifying new Ridgewood mortgage with auto debit from your Ridgewood checking account**

*No Ridgewood rates may apply.

**Conditions and restrictions apply.


Basic Checking

This is a great checking account for people that need checking account basics. If you don't want direct deposit, online banking, or don't want to maintain higher balances, then our Basic Checking is ideal. With an opening balance as little as $25.00, and a low monthly fee of $3.00, you'll enjoy the additional features that are available with our Basic Checking.

View additional features

Checking with Interest

Open our higher-yielding tiered interest checking account with as little as $100.00 and earn interest on your checking balances. The more you deposit, the more interest you earn. Maintain a combined total balance of $5,000.00 or more in Ridgewood deposit accounts and you will avoid the monthly maintenance charge. Plus, enjoy the many benefits of Better Checking.

View additional features

Student Advantage Account

If you're a busy student, or if you're looking for a checking account for your college bound child, this account has you covered. It offers no monthly minimum balance and no monthly maintenance fee. Student Advantage applicant must be an actively enrolled student. Current student ID or class schedule will be required at account opening.

View additional features

24/7 Account Access

With 24-hour access to your accounts you decide when and where you want to do your banking.

Online Banking

Now with just a click, you are in control of your banking - anytime, anywhere. Ridgewood's online banking is fast, easy, safe - and free. Simply click Online Banking and you're on your way.

Check account balances, receive email notifications, transfer funds and pay your bills from your home, office, or anywhere you have Internet access. Plus, once you sign up, you'll qualify for Free Checking and the benefit of receiving images of your paid checks.


Don't wait for the mail. Sign up for eStatements! Stop receiving paper statements and start getting them online. Ridgewood's eStatements are free, secure, easy to use, convenient and environmentally friendly. You'll receive an email each month when your statements are ready. From Online Banking you can view, download or print your statement(s), at your convenience. Signing up is easy...simply log into Online Banking and select the "E-Statements" tab.


Mobile Banking

With Mobile Banking from Ridgewood Savings Bank, you can easily take your banking with you.  Mobile banking is a FREE* service for Online Banking customers and is the quick, easy and secure way to manage your banking needs at your pace, anytime, anyplace. With Text Banking, Mobile Apps and a Mobile Browser you decide the method that works best for you...

Text Banking with Alerts

Text messages are one of the quickest ways to communicate...but now it is also one of the quickest ways to bank. Send and receive texts to check your account balances and more. Learn More

Mobile Browser

Now you can bank online using the web browser from your mobile device. Many of the same features that are available within Online Banking are still available from your mobile device, including paying bills, making transfers and checking balances and transactions. Learn More

Downloadable Apps

Download the Ridgewood Savings Bank Apps available for the iPhone®, iPad® and Android and your banking experience is customized for your device. Learn More

To review or download the Ridgewood Savings Bank iPhone, iPad and Android Apps click the images below:

Only download the Ridgewood Savings Bank Mobile Banking apps available on the Ridgewood Savings Bank pages located in the iTunes and Google Play app stores.

Mobile Check Deposit

Save a trip to the branch by making a deposit with a few taps and camera clicks. It's fast and free*. Learn More

*No Ridgewood rates may apply.

iPhone, iPad, and iPod Touch are trademarks of Apple Inc.

Android is a trademark of Google Inc.

Telephone Banking

With Ridgewood's Better Banking by Phone, you have access to your banking information any time you want. It's fast, convenient, and secure. It's just a phone call away.

Call us at:

Brooklyn, Queens and Bronx:



Manhattan and Westchester:

(718) 240-4772

(516) 643-0360

(631) 643-0360

(877) 690-0784






By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category. For more information about FDIC insurance coverage of noninterest bearing transaction accounts, visit The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.