Which Account Option is Right For You?

View our comparison charts below.

Checking Account Comparison

Checking Account BenefitsPremium CheckingEasy Checking
Earn interest on your checking balancesTiered interest rates to reward higher balances
No interest earned
Options available to avoid monthly service charge1Maintain an average combined daily balance of $15,000 or more in linked accounts2 to avoid the $20 monthly service charge.
Direct deposit will eliminate the $6 monthly service charge. 
Monthly service charge of $6 is eliminated if requested by customers who are age 55 and older.
Free Online Banking, Mobile Banking, and Bill PayService AvailableService Available
No annual fee debit cardService AvailableService Available
Free access to SUMsm ATMs3Service AvailableService Available
Check orderingFree standard check order and re-orders4Free starter checks
Additional benefits
  • Courtesy rebate of non-BankRI ATM fees5
  • Free Premium Savings Account
  • Free additional Easy Checking Account
  • Preferred rates on CDs
  • Home equity and overdraft protection discounts
  • Free money orders and cashier's checks
  • Free stop payments
  • No fee for savings overdraft transfers
  • Safe deposit box discounts
  • Convenience of one monthly statement for all linked accounts
  • Unlimited check writing
  1. Please refer to our Fee Schedule for current service charges. To calculate the average daily balance we add the principal amount in the account for each day of the period and divide by the number of days in the period.
  2. Linked accounts include the combined balances of: a.) the average daily balance of all your personal non-retirement savings, personal checking and personal money market accounts since their last statement date; and; b.) the current balance of all your personal CDs and IRA accounts, as of your personal checking account’s statement date; and c.) the current outstanding principal balance of all your personal home equity lines/loans, consumer overdraft line of credit, personal loans, and personal mortgages held by Bank Rhode Island, as of your personal checking account’s statement date.
  3. Owner of the ATM may charge a fee. BankRI foreign ATM fees still apply to some types of accounts, even at SUM Program ATMs. The SUM Program is administered by the NYCE ® Corporation. SUM is a registered service mark of the NYCE ® Corporation.
  4. Free BankRI standard check order and reorders or $25 credit toward each non-standard order of BankRI checks.
  5. Please refer to our Fee Schedule for maximum monthly reimbursement.

Savings Account Comparison

Savings Account BenefitsPremium SavingsEasy SavingsMoney Market
Earn interest on your savings balancesEarn a competitive rate. Tiered interest rates to reward higher balances.Earn interest regardless of your balance.Earn our best rates. Tiered interest rates to reward higher balances.
Low minimum opening deposit$50$50$2,500
Option available to avoid monthly service charge¹No minimum balance or monthly service charge. Must have a Premium Checking account.Maintain an average daily balance of $250 to avoid monthly service charge. Account is free to customers under the age of 18.Maintain an average daily balance of $5,000 or more to avoid service charge.
Free Online Banking, Mobile Banking Bill PayService AvailableService AvailableService Available
No annual fee debit cardService AvailableService AvailableService Available
Free access to SUM℠ ATMs²Service AvailableService AvailableService Available
Ability to write checksCheck writing is not available.Check writing is not available.Service Available
Additional benefits
  • No BankRI fees at ATMs worldwide3
  • No fee for savings overdraft transfers
  • Combined monthly statement with Premium Checking
  • Receive additional benefits available with your Premium Checking account
  • Free Automatic Savings program
  • No BankRI fees at ATMs worldwide3
  • No fee for savings overdraft transfer
  1. Please refer to our Fee Schedule for current service charges. To calculate the average daily balance we add the principal amount in the account for each day of the period and divide by the number of days in the period.
  2. Owner of the ATM may charge a fee. BankRI foreign ATM fees still apply to some types of accounts, even at SUM Program ATMs. The SUM Program is administered by the NYCE ® Corporation. SUM is a registered service mark of the NYCE ® Corporation.
  3. Owner of the ATM may charge a fee.

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