
Relationship Checking
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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.
Simple Cash Back
Excellent choice if you want a simple, worry-free account and to be rewarded for using your debit card to make purchases.
- Free debit card
- Free online statements
- No monthly fees
- No minimum balance ($10 minimum opening deposit)
- Receive $0.10 Cash Back each time you use your debit card to make a purchase (up to $5 per statement cycle, per account)
It's just that simple. There are no monthly fees on this account. Paper statements are available for $3 (plus tax) per month.
Open Simple Cash Back Account
Upgrade Existing Account
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.
Interest Rewards
Ideal account if you bank electronically, use your debit card, and want to be rewarded with a special interest rate.
- Free debit card
- Free online statements
- No monthly fees
- No minimum balance ($10 minimum opening deposit)
- Special interest rate of 3.15% Annual Percentage Yield* on the first $15,000 of balance during each statement cycle when the following criteria is met:
If you don't meet the above electronic banking criteria, you will still receive the base interest rate of 0.10% APY. Paper statements are available for $3 (plus tax) per month.
Open Interest Rewards Account
Upgrade Existing Account
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.
Premier
Perfect option if you prefer a traditional account that rewards you for your checking balance. Interest rates are tiered, so as your balance grows, your interest rate also increases.
There are no fees as long as the minimum balance is met. If the balance falls below $2,500 anytime during the statement cycle or does not have a $5,000 average daily balance, it will incur a $10 maintenance fee per statement cycle.**
Open Premier Account
Upgrade Existing Account
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
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Do the Relationship Checking accounts come with Bill Pay?
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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.
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Do you offer online and mobile banking with Relationship Checking accounts?
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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.