RMO Bank Deposit Products: FDICFDIC-Insured - Backed by the full faith and credit of the U.S. Government
RMO

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Business Checking

Manage your business finances with an RMO business checking account. Built for companies of all sizes with features like unlimited transactions, treasury tools, and full digital access.

For Businesses Debit Access Digital Banking
Features

What comes with your account.

Tools and features to help you manage and grow your money.

Business Debit

Business debit cards for authorized users with spending controls and real-time alerts.

Digital Banking

Full online and mobile access for payments, transfers, payroll, and reporting.

Transaction Volume

Account tiers designed for businesses with varying transaction needs.

Fraud Protection

Commercial-grade fraud monitoring and positive pay to protect your business.

Why RMO

Why members choose us.

More than just an account — a membership that works for you.

Built for Business

Features designed for commercial needs, not consumer accounts repurposed.

Full Digital Suite

Manage payroll, vendor payments, and cash flow from the MyRMO platform.

Competitive Fees

Transparent fee structures with tier options that scale with your business.

FAQ

Frequently asked questions

How Do I Set Up Direct Deposit?

Setting up direct deposit is one of the fastest ways to access your paycheck and may waive your monthly maintenance fee. Follow these steps to get started.

Read the full answer in the Help Center →

What Checking Accounts Does RMO Offer?

RMO Bank offers four personal checking account tiers designed to fit every stage of your financial life.

Read the full answer in the Help Center →

How Do I Open a Checking Account?

Opening an RMO checking account is straightforward and can be done entirely online through MyRMO or by scheduling an appointment with an Expert.

Read the full answer in the Help Center →

What Are the Fees for RMO Checking Accounts?

RMO Bank believes in transparent, straightforward pricing with no hidden fees. Here is a summary of common checking account fees and how to avoid them.

Read the full answer in the Help Center →

How Do I Order Checks or a New Debit Card?

You can order personal checks or request a replacement debit card at any time through MyRMO. Ordering Checks Log in to MyRMO and navigate to your checking account.

Read the full answer in the Help Center →

How Do I Open a Business Checking Account?

Opening a business checking account with RMO requires a few additional documents compared to a personal account. Here is what to expect.

Read the full answer in the Help Center →

What Business Checking Accounts Does RMO Offer?

RMO Bank offers four business checking account tiers designed to serve companies at every stage, from sole proprietors to large enterprises.

Read the full answer in the Help Center →

Support

How can we help?

Have questions? We've got you covered.

FDIC Insurance. RMO Bank deposit accounts are FDIC-insured up to applicable limits ($250,000 per depositor, per insured bank, per ownership category). APYs and fees are accurate as of 2026-05-10 and are subject to change without notice. Fees may reduce earnings. See the deposit account agreement and rate sheet for full terms, conditions, and any applicable transaction limits.
Disclosure. This page is general educational information. Deposit accounts and banking services are offered through RMO Bank. RMO Bank deposit accounts — checking, savings, money market, and certificates of deposit — are insured by the FDIC up to the maximum amount permitted by law. Account terms, fees, and rates are disclosed in the applicable account agreement and fee schedule, which govern.
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