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Ridgewood Savings Bank

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Wealth Management
Digital
Learn
Checking Account

GET MORE FROM YOUR CHECKING ACCOUNT. AND YOUR BANK.

icon ATMs

90,000 Surcharge Free ATMs

Access your account with no fee at 90,000 AllPoint and MoneyPass ATMs around the world with you Ridgewood Debit Card.

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24/7 Digital Banking

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

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Instant-Issue Debit Card

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

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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

  PREMIUM BENEFITS
Premier Checking
Overview
 
FLEXIBLE & AFFORDABLE
Ridgewood Good
Overview
 
ZERO MONTHLY FEES
Free Green Checking 
Overview
 
FREE ACCOUNT FOR STUDENTS
Student Advantage
Overview
 
SAFE & LOW-COST
Ridgewood BankOn Checking
Overview
 
Minimum Opening Deposit $250 $25 $25 $25 $25
Monthly Service Fee $15
How to avoid fees
$3
How to avoid fees
$0 $0
(for qualifying students)
$5
Reduce fee to $3 when you sign up for eStatements
Pays Interest Higher rates with higher balances
(see rates)
       
Paper Statements or eStatements Yes Yes eStatements Only Yes Yes
Free Debit Card & 90,000 Free ATMs Find ATM Yes Yes Yes Yes Yes
Free Online & Mobile Banking Learn More Yes Yes Yes Yes Yes
Overdraft Availability Learn More Yes Yes Yes    
Ridgewood Fee Reimbursed for Out-of-Network ATMs* 2x per month      8x per month  
Provider Fee Reimbursed for Out-of-Network ATMs* 2x per month (up to $10)        
Debit Card Rewards Learn More Yes Yes Yes Yes Yes
ID Theft On-Call Resolution Yes Yes Yes Yes Yes

ID Protection Plus Learn More

FREE $4.99 per month $4.99 per month $4.99 per month $4.99 per month
Free Checks One order (40) per year First order (40) N/A First order (40) First order (40)
Additional Benefits
  • Dedicated Financial Consultant through Ridgewood Financial Services (RFS)
  • Higher monthly debit card limits

 

  • For each Free Green Checking account opened in 2022, we’ll make a donation to help an organization plant a tree.

 

 
More Information Account Disclosures
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Account Disclosures
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*Fee(s) will be reimbursed at the end of your account cycle.

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.

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Card Controls

Take control of your Ridgewood debit card and help prevent unauthorized transactions, right from your phone using our Mobile Banking 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

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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.

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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

Ridgewood Financial Academy

Learn key financial skills in 10 minutes or less.

Access free online financial education with the Ridgewood Financial Academy.

GET STARTED

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, schedule an appointment, or stop by your local branch today.