Brighter, Smarter Checking.


Pays Early. Pays Often. Pays More.

     Early Direct Deposit
     Nickel Back Rewards
     Even-Up Savings

Open a Radiant Free Checking Account online now! open Account

Smarter Checking Pays Early

Get paid up to 24-hours1 early with direct deposit at Radiant.

  • You get the added safety and security of direct deposit for your paycheck, retirement, or other benefits payments at Radiant while getting your money faster!
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Smarter Checking Pays Often

Earn a nickel2 every time you use your Radiant Visa® Debit Card for a signature purchase!

  • No signing up, no minimum purchase amount, no forms to fill out. Nickels are automatically paid daily directly into your Radiant Checking Account!
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Smarter Checking Pays More

Earn 4.00% APY3 on your spare change from every purchase you make with your Radiant Visa® Debit Card when you open up an Even-Up Savings Account. 

  • With an Even-Up Savings, your purchases are evened-up to the next dollar, with your change transferred from your Radiant Checking to your Even-Up Savings Account. 
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1Early Direct Deposit is available for Radiant members that set up direct deposit with their employer or other payor to receive electronic deposits of regular periodic payments (such as salary, pension, or government benefits). Certain non-payroll and tax payments are not eligible for early direct deposit. Early direct deposits may be available to you up to 24-hours earlier. However, it depends on the timing of your payor’s payment instructions, so you may not always see your direct deposits arrive early. Early direct deposit eligibility may vary between pay periods, and daily/transaction limits apply. 2Nickel Back reward paid on debit card signature transactions. Excludes purchases using your PIN, ATM transactions, or purchases of other financial instruments (wire transfers, money orders, traveler’s checks). 3The even-up amount will be withdrawn from your checking account and deposited into your Even-Up Savings. Dividend rate is 4.00%. 4.00% Annual Percentage Yield (APY) is earned on balances of $0.01 to $4,000.00. The APY for any amount over $4,000.00 is 0.05% APY. Rates are current as of September 1, 2021. Rates are subject to change. Please see the current rate schedule for current rates.