Welcome!

We're happy you're here and can't wait to get to know you! Open your new eligible checking account and receive $300! 1

Open any eligible checking account and have two or more direct deposits with a cumulative total of $800 or more within 90 days of account opening.

Open Now

How it Works:

To make sure both you and your friend get paid, we’ll need some information from you when opening your new account.

  • Offer Code: RAF300
  • Referral Code: Enter your friend’s first and last name, then the last four digits of their phone number. For example, JoeSmith1234

See Example:

Account opening screenshot

See what sets us apart from other banking platforms:

We built our online access with you in mind. From the ground up, we listened to the type of functionality our customers want, and imagined how easy we could make it for you.

Don’t take our word for it – experience it for yourself! You’ll be glad you did.

To download the mobile app, follow the links below.

Mobile google play store badgeApp Store link

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Google Store

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Apple App Store

With Every Account, Our Mobile Banking Tools Will Simplify Your Life

Mobile Check Deposit

Safely and conveniently deposit checks from anywhere!

Mobile Alerts²

Stay up-to-date on account balances, deposits, transactions, card activity, and more!

Easy Bill Pay

No more stressing about stamps or envelopes! Easily set-up any recurring payments, and let us handle the rest.

Zelle® Person-to-Person Payments³

Quickly send money to your friends and family, all you need is their phone number or email address!

eStatements and Tax Documents

Have access to your banking statements and tax documents online anytime, for up to seven years!

Card Lock

Misplaced your credit or debit card? Prevent new purchases with your card just by toggling the switch “off” within Online Banking or the Mobile Banking App. Ready to unlock? Toggle the switch “on” to allow all transactions.

  1. To receive the $300 checking bonus, open and maintain any personal checking account except Free Checking. Deposit $50 or more at account opening; and have at least two or more direct deposits with a cumulative total of $800 within 90 days of account opening. Minimum balance of $50.00 required 90 days after account opening to receive bonus. Qualifying types of Direct Deposits include any direct deposit from Payroll, Pension or Government Benefit. Bonuses are reported to the IRS as interest. Bonuses will be deposited into the checking account within 15 business days after account(s) 1) meets all requirements AND 2) has been open for 90 days. Available to new checking account customers only. Offer is not available to those whose accounts have been closed with a negative balance within the last 2 years. You will receive only one new checking account opening related bonus every two years from the last date incentive was paid. Only one bonus per household. Customer must bring in mailer or use offer code to receive incentive. Offer may only be redeemed by the intended recipient and is nontransferable. Eligibility for this offer will be verified prior to providing the bonus. The new checking account must be open and in good standing on the date any earned bonus is paid. We reserve the right not to open accounts for customers outside our market area. Contact us for further details. Please be advised that referring customer may become aware that you opened an account with us. Checking account promotion ends 12/31/2025 Back to content
  2. Mobile carrier data and text rates may apply. Back to content
  3. Zelle is intended for sending money to family, friends and people you are familiar with. We recommend that you not use Zelle to send money to anyone you don’t know. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC, and are used herein under license. Back to content