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Checking accounts designed with you in mind.

Nobody does checking better than Ridgewood. Enjoy the convenience, flexibility and benefits for your everyday checking needs. Plus at Ridgewood, all checking accounts are insured up to FDIC limits.

Account Features

Free Checking

Free means really free if you maintain a combined balance requirement of $2,500 in all Ridgewood accounts, sign up for and use Direct Deposit, and sign up for online banking.

  • View Features

    • No minimum balance requirement or monthly service fees
    • Free Mobile Banking*, free Online Banking with Bill Payment, and free Telephone Banking
    • Secured Custom Credit Line for qualified applicants
    • Free alerts to update you on account balances, deposits or withdrawals
    • Earn Ridgewood Rewards and Cash Back on everyday purchases with a Ridgewood Debit MasterCard®
    • Receive a .125% interest rate discount on a qualifying new Ridgewood mortgage with auto debit from your Ridgewood checking account**

     

Open Account >

Basic Checking

Free means really free if you maintain a combined balance requirement of $2,500 in all Ridgewood account, sign up for and use Direct Deposit, and sign up for online banking.

  • View Features

    • No minimum balance requirement
    • Free Telephone Banking
    • Secured Custom Credit Line for qualified applicants
    • Earn Ridgewood Rewards and Cash Back on everyday purchases with a Ridgewood Debit MasterCard®
    • Receive a .125% interest rate discount on a qualifying new Ridgewood mortgage with auto debit from your Ridgewood checking account**

     

Open Account >

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Checking with Interest

Get something back with a Checking with Interest account. Open an account with as little as $100 and avoid the monthly fee by maintaining a combined total balance of $5,000 or more in Ridgewood deposit accounts.

  • View Features

    • No minimum balance requirement and maintain a combined total balance of $5,000
      to avoid monthly fees
    • Free Mobile Banking*, free Online Banking with Bill Payment, and free Telephone Banking
    • Secured Custom Credit Line for qualified applicants
    • Earn Ridgewood Rewards and Cash Back on everyday purchases with a Ridgewood Debit MasterCard®
    • Receive a .125% interest rate discount on a qualifying new Ridgewood mortgage with auto debit from your Ridgewood checking account**

     

Open Account >

Student Advantage Account

We've got students covered with our Student Advantage Account. It features no monthly minimum balance and no monthly maintenance fee.

  • View Features

    • Free Checking with no monthly minimum balance*
    • Free Online Banking, free Bill Pay, free Mobile Banking**, and free eStatements
    • 8 Free non-Ridgewood ATM transactions
      per month
    • One Free Oops Fee per year
    • Parents can easily make deposits to your account
    • Earn Ridgewood Rewards and Cash Back on everyday purchases with a Ridgewood Debit MasterCard®

     

Open Account >

Personal Checking Account Features

Debit MasterCard®

Accepted at millions of locations worldwide, a Ridgewood Debit MasterCard® provides all the benefits of our ATM card plus the added flexibility of making purchases anywhere MasterCard® is accepted. Couple it with one of either Ridgewood Rewards or Cash Back Purchase Reward programs to maximize your rewards.

 

Apply for a Ridgewood Debit MasterCard® here.

 

ATM Card

Make deposits or withdrawals, check your balances, and transfer funds between your accounts right at a local Ridgewood ATM. If you're a Ridgewood cardholder using one of our ATMs, there are no charges or fees. However, fees or surcharges from other institutions may apply.

 

Report a lost or stolen Ridgewood Debit MasterCard® or ATM Card here.

 

 

Overdraft Privilege

With Overdraft Privilege, we've got you covered. Eligible checking accounts are automatically enrolled 30 days from account opening and provide automatic overdraft coverage.

 

Overdraft limits may change from day-to-day, based on changes in accountholder activity. Coverage may be available for checks, automatic and recurring bill payments, and teller transactions.

 

There is no fee for Overdraft Privilege. Fees are only incurred when items are presented against insufficient funds have been paid or returned. There is a $30 fee for each overdrawn item. Your account must be brought positive within 30 days to be eligible to remain in good standing. Failure to repay an overdraft may result in account closure and/or reporting to collection agencies and/or credit bureaus.

 

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay every transaction. If we do not authorize and pay an overdraft, your transaction will be declined or your check returned unpaid.

 

Learn more about Overdraft Privilege >

 

 

Overdraft Privilege Plus

Overdraft Privilege Plus extends the protection of Overdraft Protection to include overdraft protection to cover ATM transactions and debit card purchases.

 

You must opt-in for this service. We will pay ATM transactions and everyday debit card purchases when sufficient funds are not present to cover the amount of the withdrawal. There is a $30 fee for each overdrawn item paid. Your account must be brought positive within 30 days to be eligible to remain in good standing. Failure to repay an overdraft may result in account closure and/or reporting to collection agencies and/or credit bureaus.

 

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay every transaction. If we do not authorize and pay an ATM transaction and/or debit card purchase, your transaction will be declined.

 

You may choose to opt out from Overdraft Privilege Plus below or by calling (800) 250-4832 or visiting a local branch.

 

Enter/change your overdraft opt-in status >

 

 

Overdraft Line of Credit

With an unsecured line of credit up to $2,500 linked to your checking account, if a check or authorized electronic withdrawal be presented when your checking account is overdrawn, the line of credit will be automatically debited to cover it, up to your limit. Subject to credit approval.

 

View current rates >

 

 

Secured Overdraft Line of Credit

For a larger line of credit, consider a secured line of credit linked to your checking account and secured by your savings account.

 

No credit approval is required. Simply maintain a savings account and up to $7,500 of that account’s balance can be held as security for the line of credit. Should a check or eligible electronic withdrawal transaction be presented against your checking account when sufficient funds are not present to cover the amount of the withdrawal, the line of credit will be automatically debited to cover the shortage, up to the limit.

 

View current rates >

 

 

Overdraft Protection Transfer

Overdraft Protection Transfer links your savings account to your checking account.

If your checking account becomes overdrawn, and provided there are sufficient funds available in your savings, funds will be automatically transferred to your checking account to cover a check or authorized electronic withdrawal transaction.

 

 

Checkbook Orders

Reordering new checks is safe and easy when you do it online. Just click on the link below and you're on your way.

Reorder checks >

 

 

Routing Information

Ridgewood Savings Bank's routing number is 226071033.

Routing Number

Account Number

Check Number

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