Checking Account Offer

GET MORE FROM YOUR CHECKING ACCOUNT. AND YOUR BANK.

THE RIGHT CHECKING ACCOUNT.

You'll find it at Ridgewood.

COMPARE ACCOUNTS OPEN ONLINE

 

Limited Time Offer Open a new Premier Checking Account and Get a 

$350 Cash Value1

Or, get $200 Cash Value1 when you open a qualifying Ridgewood Good, Checking with Interest or Student Advantage Checking account. 

Get started today and get a generous Cash Bonus, Here's how:

  • Open your account online or stop by your local branch.
  • Choose the checking account right for you.
  • Complete qualifying direct deposit or other transactions in your first 60 days.1
  • Receive Your Cash & Rewards!

 

Enjoy these great features too!

icon ATMs

55,000 Surcharge-Free ATMs

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

icon 24/7 Digital Banking

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.

icon ID Theft Resolution Services

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
 
COMPETITIVE RATE
Checking with Interest
Overview
 
GREAT RATE & PREMIUM BENEFITS
Premier Checking
Overview
FREE ACCOUNT FOR STUDENTS
Student Advantage
Overview
 
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 8x 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.

icon Account Transfers

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

QUESTIONS? WE'RE HAPPY TO HELP.

Call, email or stop by your local branch today.

1 Bonus Offer is available from April 1, 2019 through June 30, 2019 (“Promotion Period”) for consumers who (a) do not currently hold a Ridgewood checking account either personally or as joint owner, (b) did not have a Ridgewood checking account either personally or as joint owner that was closed in 2019, and (c) open a new personal checking account during the Promotion Period that satisfies the applicable offer criteria set forth below (an “eligible customer”). Customer(s) must be an eligible customer and meet all existing checking account qualification requirements to qualify for this offer and must maintain the checking account as stated in the Bank’s account terms and conditions. Applicable bonus amount (as further described below) will be credited to the new personal checking account once the applicable offer criteria set forth below are met, approximately 90 days from account opening. One bonus award per eligible customer and new account; this offer cannot be combined with any other offer.

A $300 bonus offer is available to eligible customers who open a qualifying Premier Checking account and make a cumulative direct deposit of funds of at least $2,500 into it within 60 days of account opening. A $150 bonus is available to eligible customers who open a Ridgewood Good or Checking with Interest Account and make a cumulative direct deposit of funds of at least $500 into it within 60 days of account opening. A $150 bonus is available to eligible customers who open a Student Advantage account and make either: (i) a direct deposit of funds into it; or (ii) 10 debit card Point-Of-Sale purchases, within 60 days of account opening. Qualifying direct deposits include recurring electronic deposits of your paycheck, pension or government benefits (such as Social Security). Person-to-Person and bank transfers between your Ridgewood Savings Bank accounts or accounts you have at other financial institutions or brokerages do not qualify. Payments received for goods sold do not qualify. In addition, eligible customers may receive up to 5,000 in uChoose Reward® points by earning 1,000 uChoose Reward® points for each eligible additional service enrolled in during the Promotional Period. Eligible additional services for this Offer include: 1. MX-Money Management; 2. eStatements; 3. SMS Fraud Alerts; 4. Mobile App Activation; 5. Mobile Wallet. 5,000 uChoose Reward® points can be redeemed for $50 cash value. Benefits, Rewards Points and the redemption of Rewards Points under the uChoose Reward® program are administered by Fiserv, Inc., an unaffiliated third-party vendor of Ridgewood Savings Bank. uChoose Rewards® is a registered trademark of Fiserv, Inc.

Premier Checking Account: The minimum balance to open is $250. This is a tiered rate account, the APY for balances $0.01 – $9,999.99 is .10%; $10,000.00 – $24,999.99 is .20%; $25,000.00 – $49,999.99 is .25%; $50,000.00 or more is .50%. Checking with Interest Account: The minimum balance to open is $100. This is a tiered rate account, the APY for balances $0.01 – $9,999.99 is .10%; $10,000.00 – $24,999.99 is .15%; $25,000.00 – $49,999.99 is .20%; $50,000.00 or more is .25%. Ridgewood Good Account: The minimum balance to open is $25. Student Advantage Account: The minimum balance to open is $25.

Each Annual Percentage Yield (APY) set forth above is effective as of April 1, 2019 and is subject to change at any time. Fees may reduce earnings. The value of the bonuses paid under this promotion is considered interest and Ridgewood Savings Bank will issue you an IRS Form 1099-INT, or other appropriate form. Offer may be withdrawn or modified at any time without notice. Ridgewood Savings Bank employees and immediate family members are not eligible to participate in this offer.

Subject to Terms and Conditions. Program subject to change or discontinuance without notice.

*Standard Checks