Browser not found warning: Current browser is not supported. Details

Currently the Unknown browser version 0.0 is not supported.
User Agent: CCBot/2.0 (http://commoncrawl.org/faq/)
Skip to Login
Skip to Content
Rabobank LogoRabobank Text
Menu
  • Personal
    • Checking
      • Overview
      • Rewards Banking
      • Option Checking
      • Manage Your Account
      • How To Apply
    • Savings & CDs
      • Overview
      • Savings & Money Market Accounts
      • CDs
      • Retirement
      • Coverdell Education
      • Manage Your Account
      • How To Apply
    • Home Loans & Personal Loans
      • Overview
      • Home Loans
      • HomeReady Mortgage
      • Home Equity Loans
      • Mortgage Loan Representatives
      • Mortgage Calculator
      • Mortgage Documents Checklist
      • Personal Loans
      • Manage Your Account
      • How To Apply
    • Credit Cards
      • Overview
      • Manage Your Account
      • How to Apply
    • Wealth Management
      • Overview
    • Manage Your Account
      • Overview
    • Why Rabobank
      Sub Menu Toggle
      • growth starts small
      • Invested In Our Community
      • Company History
      • Bank Anywhere
      • Sustainability
  • Business
    • Business Banking
      • Overview
      • Business Checking
      • Specialized Business Accounts
      • Savings/Money Market/CDs
      • Manage Your Account
      • Working Together
    • Loans and Credit
      • Overview
      • Business Credit
      • Equipment Leasing
      • Clean Energy Finance
      • Manage Your Account
      • Working Together
    • Treasury
      • Overview
      • Treasury Management
      • Merchant Services
      • Payroll Services
      • International Services
      • Government Banking
      • Manage Your Account
      • Working Together
    • Manage Your Account
      • Overview
      • Rabo Commercial Banking
      • Rabo Commercial Mobile Banking
    • Wealth Management
      • Overview
    • Why Rabobank
      Sub Menu Toggle
      • we roll up our sleeves
      • Invested In Our Community
      • Company History
      • Bank Anywhere
      • Sustainability
  • Commercial
    • Commercial Banking Solutions
      • Overview
      • Lending & Banking Solutions
      • Industry Expertise
      • How We Work With You
      • Manage Your Account
    • Commercial Real Estate
      • Overview
    • Government Banking
      • Overview
    • Manage Your Account
      • Overview
      • Rabo Commercial Banking
      • Rabo Commercial Mobile Banking
    • Wealth Management
      • Overview
    • Why Rabobank
      Sub Menu Toggle
      • we roll up our sleeves
      • Invested In Our Community
      • Company History
      • Bank Anywhere
      • Sustainability
  • Agriculture
    • Ag Financial Solutions
      • Overview
      • Lending Solutions
      • Treasury Management
      • International Trade Services
      • Global Financial Markets
      • How We Work With You
    • Industry Expertise & Insights
      • Overview
    • Manage Your Account
      • Overview
      • Rabo Commercial Banking
      • Rabo Commercial Mobile Banking
    • Wealth Management
      • Overview
    • Why Rabobank
      Sub Menu Toggle
      • we work for you
      • Invested In Our Community
      • Company History
      • Bank Anywhere
      • Sustainability

Get more with Rewards Banking Checking

You can expect to be rewarded for banking with us. Simply open a Rewards Banking checking account and start earning special discounts, increased annual percentage yields (APY) on certain products, and other benefits at no additional charge.

Apply Now
Login
Sign up Login Help
  • Overview
  • Rewards Banking
  • Option Checking
  • Manage Your Account
  • How To Apply
Share via Facebook Share via Twitter Share via Email
  1. Home
  2. Personal
  3. Checking
  4. Overview

Checking

Rewards Banking Checking

Your Rewards Banking Checking account comes with the key services you need to manage your finances easily and securely 24/7.

  • Online Banking with Bill Pay and Mobile Banking with Mobile Deposit
  • Personal Savings account with no monthly maintenance fee
  • Increased Annual Percentage Yield on Rewards CDs and Personal Money Market accounts
  • Special rate discounts on consumer loans
  • Reimbursement of Rabobank fees when using other banks' ATMs
Apply Now Learn more >

 

Option Checking

If you're looking for a checking account with only the basics, Option Checking may be right for you. It's easy to avoid fees with a low monthly balance, and comes with the following services at no charge:

  • Mobile Banking with Mobile Deposit
  • Online Banking with Bill Pay, Visa® debit card, and unlimited check writing
Apply Now Learn More >

 

Compare checking accounts >

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

Get Started
  • Apply Online
  • Call (760) 922-4131 Call (760) 922-4131
  • Request a Consultation - Opens a dialog
  • Visit the Blythe Branch
  • Change my location - Opens a dialog

Change Location

Your location is used to provide customized products and services for your area.

Request a Consultation

** By clicking “I agree”, you authorize Rabobank, N.A. to contact you, including by automated means, such as an automatic telephone dialing system, an artificial or prerecorded voice message, and text message, via telephone, mobile phone, and email, including contacting you for telemarketing or advertising purposes. You expressly consent to this contact even if your contact information is listed on any Do Not Call list (whether internal, state, federal, or national). However, your consent is not required as a condition of purchasing any Rabobank, N.A. products or services.

The Rabobank Advantage
Percentage Icon
Compare Our Rates

Check today's rates on our Savings accounts, Money Market accounts, and CDs.

Stacked Coins Icon
Save on Fees

With Rewards Banking, there’s no monthly maintenance fee on a Personal Savings account.

Donation Icon
Earn Higher Rates

Make your savings grow faster with increased APYs on qualified Rewards Banking CDs and Personal Money Market accounts.

Piggy Bank Icon
Build Your Savings Automatically

Set up automatic transfers and watch your balances grow.

Mobile Phone Icon
Free Online & Mobile Banking

Bank anytime, anywhere with your computer or mobile device. You can even deposit checks using the camera of your smartphone.

ATM Icon
Convenient ATM & Branch Locations

In addition to our branch ATMs statewide, we have partnered with the Allpoint® ATM Network to give you access to over 55,000* ATMs in the U.S. and internationally.

 

*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.

Get Started
Apply Online
Call (760) 922-4131
Request a Consultation - Opens a dialog
Visit the Blythe Branch

Request a Consultation

** By clicking “I agree”, you authorize Rabobank, N.A. to contact you, including by automated means, such as an automatic telephone dialing system, an artificial or prerecorded voice message, and text message, via telephone, mobile phone, and email, including contacting you for telemarketing or advertising purposes. You expressly consent to this contact even if your contact information is listed on any Do Not Call list (whether internal, state, federal, or national). However, your consent is not required as a condition of purchasing any Rabobank, N.A. products or services.

Secure Online Banking

Secure Online Banking

It is convenient, easy to use, and most importantly secure.

Sign up and get started today >
Get Cash Back and More

Get Cash Back and More

With our new Visa® Bonus Rewards card. It's quick and easy to get started.

Apply online today >
Did you find the information on this page helpful?  

Thank You!

Provide Feedback


Apply Now

Select the type of account you would like to apply for:

Rewards Checking

Apply Now

Rewards Checking with Interest

Apply Now

Option Checking

Apply Now

Note: Apply online for one of the account types above. Or find a local branch to open an account in person

Rewards Banking

Rewards Banking

 
Benefits Comparison1 Bronze Level Silver Level Gold Level Platinum Level Option Checking
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 fee3,4 check mark icon check mark icon check mark icon
Personal Savings account with no monthly maintenance fee ($200 opening balance required) check mark icon check mark icon check mark icon check mark icon
Unlimited check writing check mark icon check mark icon check mark icon check mark icon check mark icon
Visa® debit card check mark icon check mark icon check mark icon check mark icon check mark icon
Mobile and online banking with Bill Pay check mark icon check mark icon check mark icon check mark icon check mark icon
eStatements check mark icon check mark icon check mark icon check mark icon check mark icon
Cashier's checks (limits may apply)* check mark icon check mark icon check mark icon
24 hour account information check mark icon check mark icon check mark icon check mark icon check mark icon
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.

Apply Now

The minimum opening deposit for all accounts is $1009.

  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. See page 4 of the Rewards Banking Customer Guide for a definition of personal loans.
  6. Appraisal fee amounts over $750 must be covered by the borrower.
  7. Rebates do not apply to fees charged by non-Rabobank ATM operator or any network used.
  8. Excludes daily overdraft charges and transfer fees. See page 6 of the Rewards Banking Customer Guide for additional details.
  9. 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.

Redirect Notice

Return to previous page
  • About Rabobank
  • Personal & Business Banking
  • US Agriculture Lending
  • Wholesale
  • Rabobank Group
  • Manage Your Accounts
  • Personal Banking
  • Business Banking
  • Commercial Banking
  • Community
  • Rabobank Arena
  • Community Service
  • Programs & Resources
  • Working at Rabobank
  • Open Positions
  • Our Culture
  • Accessibility & EEO
  • Security and Privacy
  • Security Tips
  • How We Protect You
  • Fraud Alerts
  • Online Privacy
  • US Consumer Privacy Notice
  • News & Press
  • Financial Education
  • Additional Resources
  • Locations
  • Website Accessibility
  • Contact Us
  • Branch Holidays
  • Latest Personal Rates
  • Latest Business Rates
  • Regulatory & Federal Resources
  • Join Us
  • Facebook - Opens a dialog YouTube - Opens a dialog Linkedin - Opens a dialog Yelp - Opens a dialog

Rabobank, N.A. Routing Number (for checking and savings accounts): 122238420

Deposit and loan products are offered by Rabobank, N.A., Member FDIC and Equal Housing Lender. NMLS # 649477. Investment products and services offered through Rabobank, N.A.'s Wealth Management Division are not FDIC insured, are not Bank guaranteed, and may lose value. Online account opening available to residents of California only. Rabobank, N.A. is a wholly owned subsidiary of Cooperatieve Rabobank U.A. © Rabobank 2018.

Out of State Notice

Your location appears to be outside of California. Are you looking for Ag Lending outside of CA?

Proceed to Rabo AgriFinance

Rabobank, N.A. is not responsible for content or date entered on www.Raboag.com. Please note that your use of the other website may be subject to privacy policies, security policies, and terms and conditions different from those used by Rabobank, N.A.