Checking Account

GET MORE FROM YOUR CHECKING ACCOUNT. AND YOUR BANK.

icon ATMs

55,000 Surcharge-Free ATMs

Access your account with no fee at 55,000 AllPointATMs around the world.

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24/7 Digital Banking

Manage your money – wherever, whenever – with our Online Banking and mobile apps.

icon Instant-Issue Debit Cards

Instant-Issue Debit Card

Get your Ridgewood Debit Mastercard® the same day you open your account in a branch.

icon Debit Card Rewards

Debit Card Rewards

Get two FREE rewards programs to earn cash back and cool stuff with your debit card purchases.

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ID Theft Resolution Services

24/7 ID Theft Resolution Services are just a phone call away at (833) 464-8099.

COMPARE CHECKING ACCOUNTS

  FLEXIBLE & AFFORDABLE
Ridgewood Good
Overview
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COMPETITIVE RATE
Checking with Interest
Overview
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GREAT RATE & PREMIUM BENEFITS
Premier Checking
Overview
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FREE ACCOUNT FOR STUDENTS
Student Advantage
Overview
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Minimum Opening Deposit $25 $100 $250 $25
Monthly Service Fee $3
How to avoid fees
$10
How to avoid fees
$15
How to avoid fees
$0
(for qualifying students)
Pays Interest  No Competitive tiered rates
(see rates)
Higher rates with higher balances
(see rates)
 No  
Free Debit Card & 55,000 Free ATMs Find ATM Yes Yes Yes Yes
Free Online & Mobile Banking Learn More Yes Yes Yes Yes
Ridgewood Fee Waived for Out-of-Network ATMs  No  No 2x per month 4x per month
Provider Fee Waived for Out-of-Network ATMs  No  No 2x per month (up to $10)  No
Debit Card Rewards Learn More Yes Yes Yes Yes
ID Theft On-Call Resolution Yes Yes Yes Yes

ID Protection Plus Learn More

$4.99 per month $4.99 per month FREE $4.99 per month
Free Checks* First order (50) First order (50) One order (50) per year First order (50)
Additional Benefits    
  • Dedicated Financial Consultant through Ridgewood Financial Services (RFS)
  • Higher monthly debit card limits
  • One free "Oops" fee per year for an overdraft.
More Information Account Disclosures
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Account Disclosures
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Account Disclosures
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Account Disclosures
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We want you to make an informed decision when choosing your account. See our Disclosure of Service Charges for all account and transaction fees.


MAKE YOUR FINANCES FIT YOUR LIFE.

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Account Transfers

Easily move money between your Ridgewood checking and savings accounts, or set up automatic transfers through Online Banking or your Mobile Banking app.

icon CardValet

CardValet®

Take control of your debit card and help prevent unauthorized transactions with our free CardValet app. Get real-time alerts, control how the card is used and even turn your card "off" if it's ever lost or stolen. Learn more

icon Money Management

Money Management (MX)

This free tool, available through Online Banking and the Mobile Banking app, links your Ridgewood accounts with accounts you have with other institutions to help you establish a budget, set savings goals, manage debt and monitor your overall financial health.

icon Overdraft Privilege

Overdraft Privilege

We encourage our customers to monitor their accounts, but we understand that mistakes happen. To help prevent the headaches that come with declined payments, we offer two Overdraft Protection services. Learn more

HELPFUL RESOURCES

Learn More About Ridgewood

Visit this interactive site to discover the many ways we "multiply the good" in the lives of our customers.

RIDGEWOOD GOOD

Make the Switch with Our Help

We have everything you need to make switching banks simple, easy and stress-free.

ONLINE SWITCH KIT

Order Checks Online

Running low? Order checks quickly and securely through our trusted check provider. Please use Ridgewood's routing number to order: 226071033.

ORDER CHECKS

* Standard Checks

QUESTIONS? WE'RE HAPPY TO HELP.

Call, email or stop by your local branch today.