Which Account Option is Right For You?

View our comparison charts below.

Checking Account Benefits	Premium Checking	Easy Checking
Earn interest on your checking balances	Tiered interest rates to reward higher balances	No interest earned
Options available to avoid monthly service charge¹	Maintain 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 Pay
No annual fee debit card
Free access to SUM^sm ATMs³
Check ordering	Free standard check order and re-orders⁴	Free 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

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.
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.
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.
Free BankRI standard check order and reorders or $25 credit toward each non-standard order of BankRI checks.
Please refer to our Fee Schedule for maximum monthly reimbursement.

Savings Account Benefits	Premium Savings	Easy Savings	Money Market
Earn interest on your savings balances	Earn 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 charge¹	No 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 Pay
No annual fee debit card
Free access to SUM℠ ATMs²
Ability to write checks	Check writing is not available.	Check writing is not 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

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.
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.
Owner of the ATM may charge a fee.