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Checking

Priority Relationship Checking

These programs were specifically created to build long-lasting relationships and reward our customers for banking with us. These relationship-based checking accounts offer many value added benefits.

Account Comparisoncheck our current ratesrates

PERSONAL CHECKING
Monthly Account Fee waived when account
requirements are met as outlined below:

Senior
Checking4
Basic
Banking
Priority 
Direct6
Priority
Classic
Priority
Elite
Checking Account Balance1

-OR-
 N/A $1,000.00 N/A $1,000.00 $10,000.00
Total Average Balance of All Deposit Accounts2

-OR-
 N/A N/A N/A $2,500.00 $20,000.00
Total Current Balance of All Deposit Accounts and Outstanding Loan Balances2

-OR-
 N/A N/A N/A $15,000.00 $100,000.00
Direct Deposit  N/A N/A Required N/A N/A

Additional Account Information
 
Monthly Account Fee3 $0.00 $3.00 $9.00 $9.00 $25.00
Minimum to Open  $25.00 $25.00 $100.00 $100.00 $100.00
Interest Paid Non-Interest Bearing Account Non-Interest Bearing Account Non-Interest Bearing Account Non-Interest Bearing Account Tiered Levels of Interest Paid on Account Balance5
Transaction Limits per Month N/A

N/A

N/A N/A N/A
 Features and Benefits
MasterCard®Debit Card

FREE

FREE

FREE

FREE

FREE - Plus no Rhinebeck Bank fees for foreign ATM transactions

 

Online Banking

FREE

FREE 

FREE 

FREE 

FREE 
Bill Pay (monthly) FREE FREE FREE FREE FREE
Statement Mailing Fee (monthly)7  WAIVED  $2.00 $2.00  $2.00  WAIVED
Discounts on Deluxe Check Orders N/A N/A N/A N/A Standard Checks Free
Bank Checks $8.00 $8.00 $8.00 $8.00 FREE
Money Orders $5.00 $5.00 $5.00 $5.00 FREE
Safe Deposit Boxes See Fee Schedule See Fee Schedule See Fee Schedule See Fee Schedule FREE Small 3x5 or 25% discount on larger

 

This guide is for informational purposes only and is not intended to be a complete disclosure of the terms, conditions or potential fees associated with these accounts.  Please speak with a branch representative to obtain required disclosures.

1) Minimum account balance required to avoid monthly account fee
2) Deposit accounts: checking, savings, money markets, CDs, IRAs. All Loan Accounts. Eligible accounts are those in which you are a depositor or borrower, or you have at least 10% ownership in the entity that is the depositor or borrower
3) Monthly Account fee applies when account balance and/or direct deposit requirements are not met
4) Must be 62 or older to open Senior Checking
5) Refer to current rates
6) If a direct deposit is not received during the statement cycle, the account will assume the terms of the Priority Classic account for that statement cycle
7) Sign up for eStatements within Online Banking to avoid a monthly statement mailing fee

 

 Basic Banking

 A full service checking account specifically designed for customers who pay only a few bills each month. 

  • Minimum to open: $25.00
  • Monthly account fee: $3.00
    Fee waived when you maintain a $1,000.00 minimum account balance as of the end of each business day in the statement cycle
  • Unlimited deposits and withdrawals
  • Free MasterCard® Debit Card
  • Free Online Banking
  • Free Bill Pay 
  • Free electronic statements (eStatements)

 

 Priority Direct

A full service checking account with no monthly fee, regardless of your balance when you have direct deposit.

  • Minimum to Open: $100.00
  • Monthly Account Fee: $9.00
    Fee is waived when a direct deposit is received in the Priority Direct account each statement cycle
  • Free MasterCard® Debit Card
  • Free Online Banking
  • Free Bill Pay Service 
  • Free electronic statements (eStatements)

* If a direct deposit is not received during the statement cycle, the account will assume the terms of the Priority Classic account for that statement cycle

 

 Priority Classic

 A full service checking account that rewards you for your other deposit relationships with Rhinebeck Bank. 

  • Minimum to open: $100.00
  • Monthly account fee: $9.00
    Fee waived when one of the following requirements are met:
         Minimum balance of $1,000.00 as of the end of each business day in the statement cycle
              OR
         Total average monthly balance of all eligible* deposit accounts is $2,500.00 or more
              OR
         Total current monthly balance of all eligible* deposit accounts and outstanding loan balances is $15,000.00 or more
  • Unlimited deposits and withdrawals
  • Free MasterCard®  Debit Card
  • Free Online Banking
  • Free Check Imaging
  • Free Bill Pay
  • Free electronic statements (eStatements)

 

*An eligible account is one which you are a depositor or borrower, or you have at least 10% ownership interest in the entity that is the depositor or borrower.

 

Priority Elitecheck our current ratesrates

A full service checking account with all the benefits of Priority Classic plus Rhinebeck Bank ATM fees are waived for foreign ATM transactions.   

  • Minimum to open: $100.00
  • Monthly account fee: $25.00
    Fee is waived when one of the following requirements are met:
         Minimum balance of $10,000.00 as of the end of each business day in the statement cycle
              OR
         Total average monthly balance of all eligible** deposit accounts is $20,000.00 or more
              OR
         Total minimum average monthly balance of all eligible** deposit accounts and outstanding loan balances is $100,000.00 or more
  • Unlimited deposits and withdrawals
  • Free MasterCard®  Debit Card
  • Free Online Banking
  • Free Bill Pay Service
  • Tiered levels of interest paid based on daily account balance*
  • Free standard checks
  • No Rhinebeck Bank fees for foreign ATM transactions
  • Free electronic statements (eStatements)

*Refer to current rates
**An eligible account is one which you are a depositor or borrower, or you have at least 10% ownership interest in the entity that is the depositor or borrower.

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