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Best Banks & Checking Accounts in Lincoln, Rhode Island - March 2026

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Brian McKay Brian McKay
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Brian McKay

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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Checking Account Rates — Last Updated and Verified: March 21, 2026

The best checking rates for Lincoln, Rhode Island include Navigant Credit UnionNavigant Credit Union185 Front St, Lincoln, RI 02865A+5.0 ★Texas Ratio: 4.27% Journey Rewards Checking at 3.00% APY, Bank5 ConnectBank5 Connect14 Riata Dr, Lincoln, RI 02865A+5.0 ★Texas Ratio: 1.34% Checking at 2.00% APY, BankNewportBankNewport1 Wake Robin Road, Lincoln, RI 02865A+5.0 ★Texas Ratio: 3.06% BN Premium Checking at 0.05% APY, Eastern Bank Boston, MAEastern Bank Boston, MA618 George Washington Hwy, Lincoln, RI 02865A+5.0 ★Texas Ratio: 2.03% Premier Checking at 0.01% APY, and Westerly Community Credit UnionWesterly Community Credit Union122 Granite St, Westerly, RI 02891A+5.0 ★Texas Ratio: 1.26% eChecking at 3.50% APY.

Looking for the best checking accounts in Lincoln, Rhode Island? You have two main choices: convenient local branches or high-yield online accounts.

The tables below compare the top rates available to residents of Lincoln, Rhode Island, featuring both local banks and credit unions near you.

Checking account rates reflect recent market quotes and representative offers available to depositors in Lincoln, Rhode Island. Checking Account Rates Last Updated and Verified: March 21, 2026

Lincoln, RI Checking Rate Trends

Compare local Lincoln, RI checking rate quotes against the statewide average

Weekly checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Rhode Island Checking Trends →
High-Yield Checking — RI Avg
0.119%
▼ 0.018 from last week

Rhode Island high-yield checking rates fell 0.018 points this week to 0.119% APY, down from 0.138% last week.

Rewards Checking — RI Avg
2.545%
▲ 1.102 from last week

Rhode Island rewards checking rates rose 1.102 points this week to 2.545% APY, up from 1.444% last week.

As of Mar 21, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Compare Checking Account Rates Today in Lincoln, Rhode Island & the Surrounding Area

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
185 Front St
Lincoln, RI 02865
Journey Rewards Checking
3.00%
$0
View
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Bank5 Connect
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
14 Riata Dr
Lincoln, RI 02865
Checking
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Bank5 Connect
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
14 Riata Dr
Lincoln, RI 02865
Connect Checking
2.00%
$10
View
▼
Rate1.98%
Min Deposit$10
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
185 Front St
Lincoln, RI 02865
Relationship Checking
0.15%
$0
View
▼
Rate0.14%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

BankNewport
Institution Rating:
A+5.0 ★ Texas Ratio: 3.06%
1 Wake Robin Road
Lincoln, RI 02865
BN Premium Checking
0.05%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMar 17, 2026
Details

Minimum Daily Balance to Earn APY; $2,000

Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
185 Front St
Lincoln, RI 02865
Personal Checking
0.05%
$0
View
▼
Rate0.04%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Eastern Bank Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
618 George Washington Hwy
Lincoln, RI 02865
Premier Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details

No additional details provided.

Westerly Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
122 Granite St
Westerly, RI 02891
eChecking
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifying balance up to $19,999.99

Milford Federal Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
2020 Diamond Hill Rd
Woonsocket, RI 02895
EZ Interest Checking
2.75%
$0
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

$1,500 minimum balance to waive $15 monthly fee.

Shoreham Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
1 Shoreham Way
Warwick, RI 02886
Premier Checking
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Shoreham Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
1 Shoreham Way
Warwick, RI 02886
Loyalty Checking
1.00%
$0
View
▼
Rate0.99%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Greenwood Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.56%
2669 Post Rd
Warwick, RI 02886 3039
Greenwood Interest Checking
0.25%
$1,000
View
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

BayCoast Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
1 Crandall Rd
Tiverton, RI 02878
Active Checking Base Rate
0.15%
$500
View
▼
Rate0.15%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

BayCoast Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
1 Crandall Rd
Tiverton, RI 02878
Preferred Checking
0.10%
$10
View
▼
Rate0.10%
Min Deposit$10
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

The Peoples Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
858 W Main Rd
Middletown, RI 02842
Max Yield Checking
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Dime Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
131 Franklin St
Westerly, RI 02891
Money Management Checking Account
0.05%
$500
View
▼
Rate0.05%
Min Deposit$500
Min Balance—
UpdatedMar 13, 2026
Details

No additional details provided.

Cranston Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
1615 Pontiac Ave
Cranston, RI 02920
Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
160 Francis St
Providence, RI 02903 1118
Investment Plus Checking Account
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

Rate may change after account opening, and fees may reduce account earnings. Investment Plus Checking Account minimum balance is $2,500.00. Please contact any branch office for further information concerning our Truth-In-Savings Disclosure.

Bristol County Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
215 Armistice Blvd
Pawtucket, RI 02860
PRIME TIME Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

1,2

Centreville Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.04%
1218 Main St
West Warwick, RI 02893
Personal Premium Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
185 Front St
Lincoln, RI 02865
Journey Rewards Checking
3.00%
$0
View
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Bank5 Connect
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
14 Riata Dr
Lincoln, RI 02865
Checking
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Bank5 Connect
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
14 Riata Dr
Lincoln, RI 02865
Connect Checking
2.00%
$10
View
▼
Rate1.98%
Min Deposit$10
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

BankNewport
Institution Rating:
A+5.0 ★ Texas Ratio: 3.06%
1 Wake Robin Road
Lincoln, RI 02865
BN Premium Checking
0.05%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMar 17, 2026
Details

Minimum Daily Balance to Earn APY; $2,000

Westerly Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
122 Granite St
Westerly, RI 02891
eChecking
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifying balance up to $19,999.99

Milford Federal Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
2020 Diamond Hill Rd
Woonsocket, RI 02895
EZ Interest Checking
2.75%
$0
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

$1,500 minimum balance to waive $15 monthly fee.

Shoreham Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
1 Shoreham Way
Warwick, RI 02886
Premier Checking
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Shoreham Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
1 Shoreham Way
Warwick, RI 02886
Loyalty Checking
1.00%
$0
View
▼
Rate0.99%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Greenwood Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.56%
2669 Post Rd
Warwick, RI 02886 3039
Greenwood Interest Checking
0.25%
$1,000
View
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Centreville Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.04%
1218 Main St
West Warwick, RI 02893
Personal Premium Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

The Peoples Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
858 W Main Rd
Middletown, RI 02842
myDirect Interest Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
160 Francis St
Providence, RI 02903 1118
Investment Plus Checking Account
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

Rate may change after account opening, and fees may reduce account earnings. Investment Plus Checking Account minimum balance is $2,500.00. Please contact any branch office for further information concerning our Truth-In-Savings Disclosure.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
185 Front St
Lincoln, RI 02865
Journey Rewards Checking
3.00%
$0
View
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Westerly Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
122 Granite St
Westerly, RI 02891
Cashback Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Shoreham Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
1 Shoreham Way
Warwick, RI 02886
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Westerly Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
122 Granite St
Westerly, RI 02891
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

No Student accounts found at this time.
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Greenwood Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.56%
2669 Post Rd
Warwick, RI 02886 3039
Business Relationship Checking
0.25%
$100
View
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Westerly Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
122 Granite St
Westerly, RI 02891
Free Business Checking with Interest
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

The Peoples Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
858 W Main Rd
Middletown, RI 02842
Business Interest Checking
0.10%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

The Peoples Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
858 W Main Rd
Middletown, RI 02842
Business Interest Checking
0.05%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Westerly Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
122 Granite St
Westerly, RI 02891
Free Business Checking with Interest
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Greenwood Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.56%
2669 Post Rd
Warwick, RI 02886 3039
Small Business Checking
0.00%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Westerly Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
122 Granite St
Westerly, RI 02891
Free Business Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Methodology & Data Sources

Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Lincoln, Rhode Island directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Lincoln, Rhode Island. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in RI.

Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.

Frequently Asked Questions

Do checking accounts in Lincoln, Rhode Island earn interest?

Most traditional local checking accounts in Lincoln, Rhode Island earn 0% interest. However, High-Yield Checking or Rewards Checking accounts from online banks and select local credit unions can pay interest rates comparable to savings accounts.

Are banks in Lincoln, Rhode Island FDIC insured?

Yes. Legitimate banks with branches in Lincoln, Rhode Island are FDIC insured up to $250,000 per depositor. Local Credit Unions are similarly insured by the NCUA.

What fees should I watch out for?

Common fees include Monthly Maintenance Fees (often waivable with direct deposit), Overdraft Fees, and Out-of-Network ATM fees. We recommend looking for “Free Checking” accounts that explicitly state no monthly fees.

What is a Rewards Checking account?

Rewards Checking accounts (sometimes called Kasasa accounts) offer high interest rates or cash back on debit card purchases in exchange for meeting monthly requirements like a minimum number of debit card transactions, direct deposit enrollment, or e-statement signup.

Best Checking Rates in Lincoln, Rhode Island

Based on our current data, some of the highest checking account APYs available to residents of Lincoln, Rhode Island include:
  • Navigant Credit Union
    Journey Rewards Checking — 3.00% APY
  • Bank5 Connect
    Checking — 2.00% APY
  • BankNewport
    BN Premium Checking — 0.05% APY
  • Eastern Bank Boston, MA
    Premier Checking — 0.01% APY
  • Westerly Community Credit Union
    eChecking — 3.50% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Lincoln, Rhode Island. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: March 21, 2026

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