Find the right checking account for your everyday needs. From basic accounts to premium options, RMO checking products offer flexible features, digital access, and real value through your membership.
Tools and features to help you manage and grow your money.
Every checking account comes with an RMO debit card for purchases, ATM access, and contactless payments.
Manage your account from the MyRMO app or online — check balances, transfer funds, pay bills, and deposit checks 24/7.
Built-in fraud monitoring, instant card lock, and real-time transaction alerts keep your money safe.
Earn rewards, access exclusive offers, and enjoy reduced fees as part of your RMO membership.
More than just an account — a membership that works for you.
Transparent fee structures with no surprises. Many accounts offer fee waivers with qualifying activity.
Select checking accounts earn interest on your balance, helping your everyday money work harder.
Your deposits are held with our partner banks and backed by robust security infrastructure.
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. Step 1: Find Your Account Details Log in to MyRMO (online or mobile app). Navigate to your checking account and select "Account Details." Your RMO routing number and account number will be displayed. You can also download a pre-filled direct deposit form from this screen. Step 2: Submit to Your Employer Provide your employer or payroll department with the following information: RMO Bank routing number (found in MyRMO) Your checking account number Account type: Checking Many employers accept the downloadable PDF form available…
RMO Bank offers four personal checking account tiers designed to fit every stage of your financial life. All accounts include a free debit card, access to MyRMO online and mobile banking, and no hidden fees. MyEveryday Checking — Our most popular account for day-to-day banking. Enjoy unlimited transactions, free bill pay through MyRMO, and easy direct deposit setup. The monthly maintenance fee is waived when you maintain a $500 minimum daily balance or set up a qualifying direct deposit. MyFirst Checking — Built for young adults ages 16–24 who are opening their first bank account. There is no monthly maintenance fee, no minimum balance requirement, and built-in spending insights through…
Opening an RMO checking account is straightforward and can be done entirely online through MyRMO or by scheduling an appointment with an Expert. To open online through MyRMO: Visit the RMO Bank website and select "Open an Account," or log in to your existing MyRMO profile. Choose the checking account tier that best fits your needs (MyEveryday, MyFirst, MySecure, or MyUltimate). Provide your personal information including full legal name, date of birth, Social Security Number (SSN), and current address. Upload a valid government-issued photo ID (driver's license, state ID, or passport). Fund your account with the required initial deposit. Minimum opening deposits vary by tier. Review…
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. Monthly Maintenance Fee MyEveryday: $8/month — waived with a $500 minimum daily balance or a qualifying direct deposit of $250 or more. MyFirst: $0/month — no maintenance fee for eligible account holders ages 16–24. MySecure: $5/month — flat monthly fee with no waiver requirement. MyUltimate: $25/month — waived with a combined relationship balance of $25,000 or more. ATM Fees RMO-owned ATMs: Always free for all checking tiers. Out-of-network domestic ATMs: $2.50 per transaction for MyEveryday, MyFirst, and MySecure. MyUltimate…
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. Select "Order Checks" from the account services menu. Choose your check style and quantity. Standard checks are complimentary for MyUltimate members; other tiers may have a small per-box charge. Confirm your mailing address and submit the order. Checks typically arrive within 7–10 business days. Expedited delivery is available for an additional fee. Requesting a New Debit Card Log in to MyRMO and go to "Card Management" under your checking account. Select "Replace Card" and choose the reason (lost, stolen, damaged, or…
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Find answers to common questions about personal checking, eligibility, and account management.
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