Experience banking that adapts to your lifestyle. From everyday checking to high-yield savings, we offer the tools and services you need to manage your money with confidence and ease.
Whether you're just starting out or looking to maximize your savings, we have an account designed for you.
Perfect for daily transactions with no hidden fees and convenient access to your money.
Keep more of your money with no monthly maintenance fees, minimum balance requirements, or hidden charges.
Send money to anyone instantly with Zelle® and other RB-ONW customers with no transfer fees.
Real-time fraud monitoring, purchase alerts, and the ability to instantly freeze your card in the app.
Open your account in minutes and get access to all our digital banking features immediately.
Open Checking AccountGrow your savings faster with industry-leading interest rates and smart savings tools.
Earn up to 10x more interest than traditional banks with our high-yield savings account.
Automated round-ups, goal-based savings buckets, and personalized savings recommendations.
Your deposits are insured up to $250,000 per depositor, providing peace of mind for your savings.
Open a high-yield savings account and watch your money grow faster than ever before.
Open Savings AccountOur personal banking solutions come packed with features designed to simplify your financial life.
Manage your accounts, deposit checks, pay bills, and track spending all from your smartphone.
Download AppAutomated spending categorization, budgeting goals, and personalized financial insights.
Explore ToolsBiometric login, real-time fraud alerts, and the ability to instantly freeze/unfreeze your cards.
Learn About SecuritySend money internationally with low fees, no foreign transaction fees on debit card purchases.
International ServicesPowerful digital tools that give you complete control over your finances.
Create separate savings buckets for different goals like vacation, emergency fund, or down payment.
Pay bills automatically, schedule payments in advance, and get reminders for upcoming bills.
AI-powered insights into your spending habits with personalized recommendations to save more.
Discover why thousands are switching to modern digital banking with RB-ONW.
Getting started with RB-ONW is quick, easy, and completely digital.
Complete our simple online application with basic personal information.
Securely verify your identity using your phone or computer camera.
Connect an external account or use debit card to make your initial deposit.
Download our app and start using your new account immediately.
Find answers to common questions about personal banking with RB-ONW.
Yes, RB-ONW is a fully licensed and FDIC-insured digital bank. We operate under the same regulations as traditional banks but deliver our services through modern digital channels. Your deposits are insured up to $250,000 per depositor.
While we don't have physical branches, you can deposit cash at over 90,000 retail locations nationwide including CVS, Walgreens, and 7-Eleven through our Green Dot® partnership. There's no fee for cash deposits at these locations.
No hidden fees. We're transparent about all charges. Our everyday checking account has no monthly fees, no minimum balance requirements, and no overdraft fees. We clearly disclose any potential fees like out-of-network ATM usage or expedited card replacement.
Direct deposits are available up to 2 days early. Mobile check deposits are typically available within minutes for most checks. Transfers between RB-ONW accounts are instant, and transfers to/from external accounts usually complete within 1-3 business days.
You can instantly freeze your card in the mobile app to prevent unauthorized transactions. You can then order a replacement card at no cost (standard shipping) or expedited shipping for a small fee. We'll send you a virtual card immediately so you can continue making online purchases.
Join over 850,000 customers who have switched to RB-ONW for smarter, simpler, and more rewarding personal banking.
No monthly fees • No minimum balance • 24/7 customer support • FDIC Insured