Manage and grow your money with RMO. Explore our full range of personal deposit and investment products — from everyday checking to high-yield savings, CDs, money market accounts, and retirement plans.
Our plain-English banking guides explain how to choose an account, how FDIC insurance works, savings vs. CDs, avoiding fees, and more.
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…
We're here whenever you need us.
