Rhode Island sits in the middle of the national picture with 22 certified checking accounts — #41 of the 51 states and territories we track, against a median of 32. Only 6 of those come from an institution rooted in Rhode Island; the other 16 are national banks whose accounts appear on every state list. At 27% local against a 36% median, Rhode Island leans unusually hard on national providers.
14 of the 22 carry a $0 monthly maintenance fee; the 8 that do charge run from $4 to $15 a month. 17 can be opened with $0 on deposit, and the largest opening deposit asked anywhere on this list is $25. 21 run no overdraft program at all; the other 1 still cannot charge overdraft or NSF fees on the certified account itself and offer coverage only as a separate service you would have to opt into.
Of the 6 state-based listings, the most come from BayCoast Bank, Beacon Bank & Trust Bank and Bristol County Savings Bank.
Chase
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyDiscover Bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyBank of America
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyCitizens Bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyAlly Bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyAlliant Credit Union
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyAlliant Credit Union
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyQuorum Federal Credit Union
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyLendingClub
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyBeacon Bank & Trust Bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
Contact bankBerkshire Bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyBayCoast Bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
Contact banknbkc bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyWashington Trust
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplySantander Bank Santander
Costs you per year
$48.00
$4.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyWebster Bank
Costs you per year
$54.00
$4.50 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyTD Bank TD
Costs you per year
$59.40
$4.95 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyCitizens Bank
Costs you per year
$60.00
$5.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyCentreville Bank
Costs you per year
$60.00
$5.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyBMO
Costs you per year
$60.00
$5.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
Applynbkc bank
Costs you per year
$144.00
$12.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyBristol County Savings Bank
Costs you per year
$180.00
$15.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
Apply