Cash Back Purchase Rewards
This account includes the following debit card reward program options:- 'Ridgewood Rewards' program to earn points for gifts and other items. There is no annual fee for this card;- 'Cash Back Purchase Rewards' puts money back into your account based on your debit card usage. There is no annual fee for this card.
$0.00/yr
Surcharge-Free ATM Access
Yes
Non-affiliated ATM Usage Fee
There is a $1.50 fee each time you use a non-affiliated ATM.
$1.50/per use
International ATM Usage Fee
There is a $1.50 fee each time you use an ATM in another country.
$1.50/per use
Electronic & Telephone Banking
Online Bill Pay
Free
Mobile & Text Banking
This institution supports:- A text messaging service to view account balances, view recent activity, transfer funds, receive alerts;- A mobile-browser website to view account balances, view recent activity, transfer funds, pay bills;- An iPhone and iPad application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;- An Android application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs.
Free
Deposit Checks with Mobile Phone
This feature is available on the iPhone, iPad, and Android mobile application.
Free
Person-to-Person Payments
Zelle-$0.00
Free
Email Alerts
This Email Alert feature enables you to receive:- Warnings when your balance falls below a certain threshold;- Reminders that bills are coming due for payment;- An email to let you know there's a secure message for you in Online Banking;- Priority Online Account notifications (i.e., change of password).
Included with Online Banking
Automated Phone Banking
Free
Checks & Statements
Unlimited Check Writing
Yes
Free or Discounted Checks
The first order of 40 Standard checks is free for all new account holders.
Yes
Monthly Paper Statements
Yes
Check Images with Statements
Included
Online Statements
Yes
Online Check Images
Images of canceled checks can be viewed online.
Yes
Overdrawing the Account
Returned Item Fee
The Insufficient Funds Fee is $30.00 per overdraft.
$30.00/per item
Overdraft Protection
This checking account has 2 options for Overdraft Protection.From a linked Savings Account:- No Transfer Fee;- Funds are transferred to bring the account balance to $0.00.From a linked Overdraft Line of Credit:- Funds are transferred to bring the account balance to $0.00;- The fee is charged as a percentage of the necessary amount transferred.
Available
About Ridgewood Savings Bank
From their website: "Over the years we have endeavored to be the unfailing friend of the many thousands who recognize the wisdom of keeping their hard-earned money in a mutual savings bank." Founded in 1920, Ridgewood Savings Bank offers banking and borrowing for both individuals and businesses from 36 branches throughout the greater NYC area.