Relationship Checking

• Relationship Checking
• Debit & Credit Cards
• Savings & Money Market
• Health Savings Accounts
• CDs
• IRAs

It's Time to Get Rewarded for the Way You Like to Bank

Start earning cash back or interest rewards for the way you already bank with our new relationship checking accounts. Opening or upgrading an account is easy, then sit back and watch the rewards roll in.

We make it simple...

• Compare the three accounts.
• Open a new account or upgrade an existing account.
  • Upgrading your account is easy and free. Once you fill out the quick form, we handle the rest. Account number, checks, debit card, credit card, auto deposits, and auto withdrawals all remain the same.

Must be an Iowa resident to apply. If you are a non-resident who is planning to move to Iowa, welcome! Complete this form, and we will help you get started.

Must be an Iowa resident to apply. If you are a non-resident who is planning to move to Iowa, welcome! Complete this form, and we will help you get started.

Must be an Iowa resident to apply. If you are a non-resident who is planning to move to Iowa, welcome! Complete this form, and we will help you get started.

Relationship Perks

Relationship checking account holders are eligible for even more perks if the deposit accounts in which they are the primary owner total $50,000*** or more!

• 2 free standard orders of wallet or duplicate checks per relationship, per year
• Free cashier's checks
• Free 3x5 safe deposit box or equivalent credit given toward a large size box (must have automatic payment)
• Credit back on foreign (non-RSB) ATM fees (up to $20 per statement cycle)
• No fee foreign currency
• Minimum balance fee waived for Premier Checking accounts

*Annual percentage yield (APY) accurate as of March 20, 2023. Interest Rewards Special Interest Rate applies to balances up to $15,000 as long as qualifications are met. Balances over $15,000 will earn a blended interest rate of the interest rewards special interest rate and the interest rewards market interest rate as long as qualifications are met. The interest rewards base interest rate will be earned on all balances when qualifications are not met. See current interest rate sheet at www.rsbiowa.com/interest-rates or stop in the bank. Interest rates may change after the account is opened. Fees may reduce earnings.

**Qualification period for minimum balance requirements starts the first day of the statement cycle and ends on the banking day prior to your statement cycle end.

***Eligibility will be determined by the ending balance the day prior to your statement cycle end. Sole proprietorships and business accounts are not included in the $50,000 total. 

Frequently Asked Questions

• • What documents and information do I need to open an account?

  • What Do You Need to Open a Relationship Checking Account? 

    You can apply online if you're 18 years or older and a legal U.S. resident. 

    Here's a list of what you'll need to apply:

    1. Two forms of government-issued ID (at least one of the IDs must be a photo ID). Acceptable forms of ID include: A driver's license, REAL ID card, DoD ID card (also known as Department of Defense ID Card), Passport, Social Security card, Birth Certificate (Nondrivers can get a state ID card at the Iowa Department of Transportation.)
    2. Your current residential address
    3. Your birth date
    4. Your Social Security number or Taxpayer Identification number
    5. Your phone number and email address
    6. A minimum opening deposit of $10 to activate your account (once you've been approved). All three Relationship Checking accounts have a minimum deposit requirement to open.

    Depending on your circumstances, you might need a few other items, too:

    1. If you're opening a joint account, you will need to provide documentation to confirm the identity of each person listed as an account holder and a signature from each of them. 
    2. If you're under 18 years old, you will need a parent or guardian 18 or older to open the account with you.

    If you are wanting to open a checking account and need help, you can call us in Story City at 515-733-4396 or in Garner at 641-923-2801 or stop by either of our locations and one of our personal bankers will be able to assist you. 

  • Do the Relationship Checking accounts come with Bill Pay?

  • Online bill pay is a service offered with all of the Relationship Checking accounts. This service helps customers pay their bills quickly and seamlessly. With online bill pay, you can have money sent directly from your bank account to those you owe with a click of a button. You can use online bill pay to pay a number of bills - rent, mortgage, cable, phone, utilities, and credit cards --- all from a single dashboard. 

  • Do you offer online and mobile banking with Relationship Checking accounts?

  • Wherever you are, we've got your covered with online and mobile banking. Both online and mobile banking services are available to use with your Relationship Checking account. 

    Online banking refers to any bank transaction that can be conducted over the Internet, through the bank's secure website under a user's unique private profile, and with a desktop or laptop computer. Checking account holders must register with Reliance State Bank online and create a login ID and password to use this service.

    Mobile banking allows you to perform many of the same activities as online banking using a smartphone or tablet instead of a desktop computer. Mobile banking allows you to access your account through an app downloadable to your smartphone.