Personal Checking

Everyday checking with no hidden fees, a free debit card, early direct deposit, and MyRMO online and mobile banking. Four tiers built for every stage of life.

$0 Monthly Fee Early Direct Deposit FDIC-Insured

Features

Checking that works for you.

Everyday banking with no surprises.

$0 Monthly Fee

Avoid maintenance fees with a qualifying balance or direct deposit — or pay nothing at all on eligible tiers.

Free Debit Card

Contactless RMO debit card with instant freeze and real-time fraud monitoring.

Early Direct Deposit

Get your paycheck up to two days early when you set up direct deposit.

MyRMO Banking

Bank online and on mobile with bill pay, transfers, and spending insights.

Products & Rates

Compare checking tiers and rates.

View MyEveryday, MyFirst, MySecure, and MyUltimate side by side, with full fee and feature details.

View Checking Products →

See how RMO compares:

vs. Chase → vs. Chime → vs. Bank of America → vs. Wells Fargo → vs. Ally →

Learn

New to banking with RMO?

Our plain-English banking guides explain how to choose an account, how FDIC insurance works, savings vs. CDs, avoiding fees, and more.

Read the Banking Guides →

FAQ

Frequently asked questions

Is there a monthly fee?

Eligible tiers carry no monthly maintenance fee, and others waive it with a qualifying daily balance or direct deposit. See the products page for each tier's terms.

Can I get my paycheck early?

Yes. With qualifying direct deposit, eligible RMO checking accounts make your pay available up to two days early.

Is my money FDIC-insured?

Yes, RMO Bank checking deposits are FDIC-insured up to applicable limits.

Support

How can we help?

We're here whenever you need us.

FAQs

Find answers to common questions about accounts, fees, and services.

Talk to Us

Reach our member services team by phone, email, or chat for personalized help.

Visit Us

Find a retail center near you for in-person service, appointments, and support.

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 the date shown on each product page and are subject to change without notice. Fees may reduce earnings. Check-cashing and currency-exchange services are offered through RMO Financial and are not deposit products. See the applicable account agreement, rate sheet, and fee schedule for full terms, conditions, and any 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.