Get more with Rewards Banking Checking

At Rabobank, you can expect to be rewarded for banking with us. Simply open a Rewards Banking checking account and start earning preferred rates, special discounts, and services at no additional charge.

Discounts and Increased APYs¹:

Increased APY on Rabobank Rewards Banking CDs and Personal Money Market Accounts
Up to $750 off a home appraisal fees
Special rate discounts on personal loans
Reimbursement of non-Rabobank ATM fees
Overdraft fee reimbursements
Discounts on annual Safe Deposit Box rental fees
Learn more about the benefits of Rewards Banking and how you can avoid fees.

Benefits At No Extra Cost

All Rabobank customers enjoy many benefits at no extra cost, including:

Mobile Banking²
Online Banking
eStatements
Personal service from our knowledgeable banking staff
Branch ATMs statewide, and access to the Allpoint® ATM Network with over 55,000* ATMs in the U.S. and internationally - surcharge free

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Rewards Banking Checking with Interest

For customers who seek to earn interest on their checking account
$2,500 average monthly balance required to waive maintenance fee

Apply Now

We automatically determine your rewards level

We will review your banking relationship each month to automatically determine your rewards level. If you qualify for a higher rewards level, you’ll automatically move up to that level. If you qualify for a lower level, you’ll have a grace period of 30 days before you move to the lower level - giving you a month to increase your balance or use additional services, and maintain or move up to the next rewards level.

Compare our Checking Accounts >

Need help deciding? Count on your local banker to help you choose the right accounts to meet your financial goals and situation.

*Subject to change without notice. Deposits may only be made at Rabobank ATMs. ATM transactions outside the U.S. are subject to an international service assessment.

¹Additional terms, conditions and eligibility requirements may apply. See Rewards Banking Checking Customer Guide, Understanding Your Deposit Account Agreement, Disclosures and Addendums for benefits that apply at each Rewards level.

²Your mobile carrier's message and data rates may apply.

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Monthly Service Fee

As a Rewards Banking account holder, you can qualify for a waiver of the monthly maintenance fee through two methods:

You have Direct Deposits totaling at least $500¹

AND three other services, such as:

Debit card purchases (10 or more)
eStatements
eBills

OR you maintain an average monthly checking account balance of at least $1,000, or keep a combined monthly balance¹ of all qualifying deposit accounts of at least $10,000.

Minimum opening deposit for Rewards Banking Checking: $100

How to avoid fees >

View all fees >

Get Started

Apply Online

Call (760) 922-4131

Request a Consultation

Visit the Blythe Branch

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Rewards Banking

Benefits Comparison¹	Silver Level	Gold Level	Platinum Level
Increase to APY on Rabobank Rewards Banking CDs²		+0.10%	+0.20%
Increase to APY on Rabobank Personal Money Market Accounts²		+0.10%	+0.20%
Checking account with no monthly maintenance fee^3,4
Personal Savings account with no monthly maintenance fee ($200 opening balance required)
Unlimited check writing
Visa® debit card
Mobile and online banking with Bill Pay
eStatements
Cashier's checks (limits may apply)*
24 hour account information
Special rate discounts on Rabobank personal loans when enrolled in automatic payments from Rewards Banking checking account⁵	0.10%	0.15%	0.25%
Appraisal fee discounts on a Rabobank home mortgage (first lien)⁶	$200	$350	Up to $750 off a home appraisal fee⁶
Discount on annual Rabobank safe deposit box rental fee	$10	$15	$20
Monthly rebates of Rabobank fees when using other banks’ ATMs⁷	1	5	Unlimited
Monthly overdraft fee reimbursement⁸		1	2

Rewards Checking with Interest

For customers who seek to earn interest on their checking account.
$2,500 average monthly balance required to waive maintenance fee.

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The minimum opening deposit for all accounts is $100⁹.

For accounts in a “non-owned” account type classification, only the maintenance fee waiver benefit will apply. None of the other Rewards Banking program benefits are available for “non-owned” accounts. See Rewards Banking Customer Guide for more information on “non-owned” account type classifications.
The increase to the APY will apply only as long as the account remains at the Gold or Platinum level. If the account falls into a lower Rewards level, the APY will revert to the normal Rewards Banking CD APY or Personal Money Market APY. The amount of the APY increase is subject to change. Refer to the Rabobank Summary of Deposit Rates Offered for current APYs.
See Schedule of Fees and Minimum Balances for monthly maintenance fee for Bronze level Rewards Banking checking and Rewards Banking with Interest checking accounts. The maintenance fee waiver is the only benefit available for accounts in a “non-owned” account type classification and is available only when the account is at a Silver, Gold or Platinum level.
Maintenance fee for Rewards Banking checking (non-interest bearing account) is waived when the primary customer is at least 60 years of age, regardless of level.
See page 4 of the Rewards Banking Customer Guide for a definition of personal loans.
Appraisal fee amounts over $750 must be covered by the borrower.
Rebates do not apply to fees charged by non-Rabobank ATM operator or any network used.
Excludes daily overdraft charges and transfer fees. See page 6 of the Rewards Banking Customer Guide for additional details.
Personal Savings Account associated with Rewards Banking requires a $200 minimum opening balance.

* See Schedule of Fees and Minimum Balances for cashier's check fee details.

How to Avoid Fees

Every month, we'll review your banking relationship and automatically determine your rewards level - Bronze, Silver, Gold, or Platinum.
If you qualify for a higher rewards level, you'll automatically move up to that level. If you qualify for a lower level, you'll have a grace period of 30 days before you move to the lower level - giving you a month to increase your balance or services, and maintain or move up to the next rewards level.
You're always in control of your rewards level. So if you want to take advantage of a specific reward - for example the best interest rate discount on a home equity loan to remodel your kitchen - simply choose one of three options to qualify for Platinum level.

With Rewards Banking, it's easy to avoid monthly maintenance fees. All you need to do is:

Sign up for Direct Deposit AND three other services, such as eStatements, Online Banking, or eBills
OR
Maintain a $1,000 minimum daily checking balance, or a $10,000 combined balance of all deposit accounts

3 ways to qualify for a Rewards Level		Bronze Level	Silver Level	Gold Level	Platinum Level
Option 1¹	Set up monthly direct deposits of $500+ AND choose three of the following minimums from the same rewards level:
	Online Bill Pays each month	-	1	5	10
	Have a Rabobank credit card	-	Yes	Yes	Yes
	Debit card purchases each month	-	10	25	50
	Receive a monthly eBill	-	Yes	Yes	Yes
	Consumer loan minimum balance(s)	-	$50,000	$100,000	$250,000
	eStatements instead of paper statements each month	-	Yes	Yes	Yes
	Minimum number of continuous years you’ve been a Rabobank customer (includes your time as a customer of Rabobank's predecessor banks)	-	5	10	15

Option 2	Maintain an average monthly checking account balance of at least:	No minimum	$1,000²	$5,000	$25,000

Option 3	Maintain a combined monthly balance of all deposit accounts of at least:	No minimum	$10,000	$50,000	$100,000

¹ This option not available for Rewards Banking with interest checking.

² Rewards Banking with interest checking requires $2,500 average monthly balance.
to qualify at the Silver level.

Checking	Home Equity, Auto and Personal Loans
Savings & CDs	Credit Cards
Home Loans	Wealth Management

Checking	Home Equity, Auto and Personal Loans
Savings & CDs	Credit Cards
Home Loans	Wealth Management

Checking

Get more with Rewards Banking Checking

Discounts and Increased APYs1:

Benefits At No Extra Cost

Rewards Banking Checking with Interest

We automatically determine your rewards level

Get Cash Back and More

Secure Online Banking

Discounts and Increased APYs¹: