Checking Accounts to Meet Your Needs
grow & prosper
with the right checking account
for you & your family
You may think that all checking accounts are the same. As a community bank, our mission is to provide a suite of financial services to make your life easier. Yes, Rollstone Bank & Trust checking can make your life better! We offer a variety of personal checking account options to fit every need. Whether you want a straightforward free account, want to be rewarded for your relationship, or are looking to earn interest, the choice is yours with RBT's personal checking accounts.
Learn more below or contact us for help in choosing the best checking account for you.
Free Checking
- You want access to online/mobile tools but do not want to pay fees or maintain a minimum balance.
- No monthly fee or minimum balance
- $10 required to open the account
Lifeline 18/65 Checking
- This account is for customers who are 18 or younger or 65 or older.
- No monthly fee or minimum balance
- Interest-bearing account
- $10 required to open the account
- No monthly fee to worry about!
Rewards Checking
- Earn interest on your checking account and be reimbursed for foreign ATM fees.
- No monthly fee
- Foreign ATM fees can be reimbursed up to $20 per statement cycle¹
- Account requirements to earn 1.26% APY¹ and up to $20 foreign ATM surcharge fees reimbursed.¹ (If criteria not met, account will earn 0.01%.)
- $10.00 minimum to open account
Relationship Checking Premier
- Get extra benefits for maintaining higher account balances.
- Interest-bearing account
- Unlimited Foreign ATM fees reimbursed²
- Free basic check orders
- Free outgoing domestic wires
- A one-time special relationship rate may be available on a CD or IRA account at opening or renewal (within the 10-day grace period), with a minimum increase of +0.10% above the published rate.
- $15.00 minimum balance fee (waived with average daily balance and direct deposit)²
- $500 mortgage cost rebate³
- $10.00 minimum to open account
1 The Annual Percentage Yield (APY) is 1.26% as of 10/24/2026. Minimum balance to open is $10.00. Balances up to and including $15,000.00 will earn an APY of 1.26%, balances in excess of $15,000.00 will earn an APY of 1.26% to 0.01%. If you do not meet the eligibility requirements during the statement cycle, the rate paid on your account on the entire balance will be 0.01% with an APY of 0.01%. Minimum balance to open the account is $10.00. To be eligible for the interest rates and APYs, and receive up to $20.00 reimbursement for foreign ATM fees, you must meet the following requirements during the statement cycle: enrollment in online banking and eStatements; direct deposits totaling $100.00 or more posted and cleared; and 10 debit card transactions posted and cleared. Rates may change after the account is opened. Fees may reduce earnings.
2 To be eligible to earn benefits, and waive the $15.00 monthly service fee, you must meet the following requirements during the statement cycle: Have a minimum of $500.00 in total monthly direct deposits to the Relationship Checking Premier account posted and cleared in statement cycle and maintain a minimum balance of combined balances of $10,000.00 including Personal Checking accounts, Savings accounts, Certificates of Deposit (CD), and Individual Retirement Accounts (IRA). Money Market accounts are excluded.
3 $500 mortgage cost rebate for first lien, primary residence only; new loan must be current with payment obligations; new mortgage loan balance must be outstanding for more than 30 days to be eligible to receive the mortgage cost rebate benefit and have a Relationship Checking Premier account within 30 days of loan closing. Credit will be made to the Relationship Checking Premier account in the month following fulfillment of the requirements of the mortgage cost rebate benefit. Applicable loan types include residential mortgage loans, first lien, primary residence only.
