Personal Banking

Deposit Accounts

Checking Accounts

Nobody Does Checking Better Than Ridgewood. Enjoy the convenience, flexibility and benefits for your everyday checking needs. Plus at Ridgewood, all checking accounts are insured up to FDIC limits.

Basic Checking

If you don't want direct deposit 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*, you'll enjoy:

• No minimum balance requirement
• No charge for the first eight withdrawals during your monthly statement cycle
• 24-hour Ridgewood ATM access
• Free Telephone Banking
• Secured Custom Credit Line for qualified applicants

* To avoid the monthly fee, a monthly balance of at least $2,500.00 must be maintained in your Ridgewood deposit accounts.

Free Checking

There are three great ways to get Ridgewood's Free Better Checking. Electronically deposit a payroll, social security, pension or dividend check into your account. Maintain a combined total balance relationship of $2,500.00 in your Ridgewood accounts. Or take advantage of Online Banking with images of your paid checks.

Plus, once you open a Free Better Checking Account you'll realize these money-saving benefits:

• No minimum balance requirement in checking account
• No service fees **
• Free Online Banking and Bill Payment
• Free Ridgewood ATM card or Debit MasterCard® ***
• Free Telephone Banking
• Secured Custom Credit Line for qualified applicants

** Certain fees may be imposed by operators of an ATM other than Ridgewood Savings Bank.
*** Debit MasterCard® is subject to certain restrictions.

Checking with Interest

Open a Ridgewood Better Checking with Interest Account with as little as $100.00 and earn interest on your checking balances. If you maintain a monthly balance of $2,500.00 or more in your account, you'll earn an even higher interest rate. 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.

• No minimum balance requirement in Checking with Interest account
• No service fees **
• Free Online Banking and Bill Payment
• Free Ridgewood ATM card or Debit MasterCard® ***
• Free Telephone Banking
• Secured Custom Credit Line for qualified applicants

** Certain fees may be imposed by operators of an ATM other than Ridgewood Savings Bank.
*** Debit MasterCard® is subject to certain restrictions.

View our current rates.

Acorn 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. See our current rates for more information. 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.

• No minimum balance requirement in Acorn Checking with Interest account
• No service fees **
• Free Online Banking and Bill Payment
• Free Ridgewood ATM card or Debit MasterCard® ***
• Free Telephone Banking
• Secured Custom Credit Line for qualified applicants

** Certain fees may be imposed by operators of an ATM other than Ridgewood Savings Bank.
*** Debit MasterCard® is subject to certain restrictions.

View our current rates.