Earn 6.10% APY* while doing what you love.

Our checking account allows you to earn money while living life your way. Open with $25 and begin earning up to 6.10% APYdisclosure1 on eligible balances when you meet the activity qualifiersdisclosure2 each month. Did we also mention that you can get paid up to 4 days earlydisclosure3 with direct deposit? Even better!

checking dividend phone file 6.10

Perks of a Rave checking account:

Free credit score analysis. Life is full of too many things to be worried about your credit. Enjoy a free review with a Rave Financial representative to put your mind to ease.
Debit card updated for website blue
Get paid up to 4 days early. We believe in a "treat yourself" method, so we process direct deposit up to 4 days early. Because let's be honest, who wants to wait for pay day?
No monthly fees

Ready to get started?

Simply stop by your nearest experience center, live video chat through our Rave Video Banking app, or open your account online.

We look forward to assisting you!

Experience Center Locations

Video Chat

We've worked hard to make your checking account BETTER!

Take advantage of these other account perks.

Debit card icon

3-D Secure by VISA

estatements icon


24-7 access icon

24/7 Access to Account

Checkbook icon

Unlimited check-writing

Overdraft protection icon

Overdraft Protectiondisclosure4

Snap deposit icon

Snap Deposit

Bill pay icon

Bill Pay

add your Rave debit or credit card to Apple Pay, Google Pay, or Samsung Pay

Debit & Credit Cards eligible for Apple Pay, Google Pay, and Samsung Pay

No min or monthly charge icon

No minimum balance or
service charge

The Benefits of Using Direct Deposit

Checking and Transaction Accounts

Use Your Debit Card Like a Pro


  • $1,500 in Direct Deposit transactions per month.
  • Complete 20 Debit and/or Credit transactions per month.disclosure5
  • Log in to the Mobile App or Online Account Access at least once per month.
  • Go Paperless with eStatements.

1 APY is annual percentage yield. $1,000.00 – $35,000.00 earns 6.10% APY. $35,000.01 and up earns .50% APY. Dividends are calculated daily on end of day balance, paid out monthly. Rates subject to change without notice. See our Truth in Savings Disclosure here. go back to content
2Activity Qualifiers trigger interest rate calculation on eligible balances. They are not required in order to use the account. The account has no minimum balance requirement. In order to earn interest, all activity qualifiers must be met and have a balance greater than $1,000. go back to content
3Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 4 days earlier than the scheduled payment date. We are dependent on the timing of your payor’s payment instructions and therefore you may not always see your direct deposits arrive early. This feature only applies to ACH payments crediting your bank account. This feature is not eligible on debit cards. go back to content
4 Overdraft line of credit is subject to credit approval. go back to the content
5 PIN or signature-based transactions on both Debit and Credit transactions are combined to meet criteria. go back to content

Scroll to Top