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

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Brian McKay 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 22, 2026

The best checking rates for Warren, Rhode Island include Navigant Credit UnionNavigant Credit Union560 Main St, Warren, RI 02885 4383A+5.0 ★Texas Ratio: 4.27% Journey Rewards Checking at 3.00% APY, BankNewportBankNewport323 Market St, Warren, RI 02885A+5.0 ★Texas Ratio: 3.06% BN Premium Checking at 0.05% APY, Centreville BankCentreville Bank521 Main St, Warren, RI 02885A+5.0 ★Texas Ratio: 4.04% Personal Premium Checking at 0.05% APY, Westerly Community Credit UnionWesterly Community Credit Union122 Granite St, Westerly, RI 02891A+5.0 ★Texas Ratio: 1.26% eChecking at 3.50% APY, and Milford Federal BankMilford Federal Bank2020 Diamond Hill Rd, Woonsocket, RI 02895A+5.0 ★Texas Ratio: 1.42% EZ Interest Checking at 2.75% APY.

Looking for the best checking accounts in Warren, 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 Warren, 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 Warren, Rhode Island. Checking Account Rates Last Updated and Verified: March 22, 2026

Warren, RI Checking Rate Trends

Compare local Warren, 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%
▼ 0.757 from last week

Rhode Island high-yield checking rates fell 0.757 points this week to 0.119% APY, down from 0.877% last week.

Rewards Checking — RI Avg
3.000%
▲ 0.325 from last week

Rhode Island rewards checking rates rose 0.325 points this week to 3.000% APY, up from 2.675% last week.

As of Mar 23, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Compare Checking Account Rates Today in Warren, 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%
560 Main St
Warren, RI 02885 4383
Journey Rewards Checking
3.00%
$0
View
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
560 Main St
Warren, RI 02885 4383
Relationship Checking
0.15%
$0
View
▼
Rate0.14%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
560 Main St
Warren, RI 02885 4383
Personal Checking
0.05%
$0
View
▼
Rate0.04%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

BankNewport
Institution Rating:
A+5.0 ★ Texas Ratio: 3.06%
323 Market St
Warren, RI 02885
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

Centreville Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.04%
521 Main St
Warren, RI 02885
Personal Premium Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 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 22, 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.

Bank5 Connect
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
590 Metacom Ave
Bristol, RI 02809
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%
590 Metacom Ave
Bristol, RI 02809
Connect Checking
2.00%
$10
View
▼
Rate1.98%
Min Deposit$10
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

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.

Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
156 Westminster St
Providence, RI 02903
Freedom Ultra Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 22, 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.

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.

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.

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.

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%
560 Main St
Warren, RI 02885 4383
Journey Rewards Checking
3.00%
$0
View
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Centreville Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.04%
521 Main St
Warren, RI 02885
Personal Premium Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

BankNewport
Institution Rating:
A+5.0 ★ Texas Ratio: 3.06%
323 Market St
Warren, RI 02885
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 22, 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.

Bank5 Connect
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
590 Metacom Ave
Bristol, RI 02809
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%
590 Metacom Ave
Bristol, RI 02809
Connect Checking
2.00%
$10
View
▼
Rate1.98%
Min Deposit$10
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

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.

Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
156 Westminster St
Providence, RI 02903
Freedom Plus Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 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.

Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
156 Westminster St
Providence, RI 02903
Freedom Plus Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 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%
560 Main St
Warren, RI 02885 4383
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 22, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
156 Westminster St
Providence, RI 02903
Freedom Ultra Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details

No additional details provided.

Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
156 Westminster St
Providence, RI 02903
Freedom Plus Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details

No additional details provided.

Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
156 Westminster St
Providence, RI 02903
Freedom Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details

No additional details provided.

Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
156 Westminster St
Providence, RI 02903
Simply Free Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details

No additional details provided.

Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
156 Westminster St
Providence, RI 02903
Freedom Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details

No additional details provided.

Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
156 Westminster St
Providence, RI 02903
Freedom Plus Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details

No additional details provided.

Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
156 Westminster St
Providence, RI 02903
Freedom Ultra Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details

No additional details provided.

Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
156 Westminster St
Providence, RI 02903
Simply Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details

No additional details provided.

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 22, 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 22, 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.

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 22, 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
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 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.

Methodology & Data Sources

Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Warren, 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 Warren, 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 Warren, Rhode Island earn interest?

Most traditional local checking accounts in Warren, 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 Warren, Rhode Island FDIC insured?

Yes. Legitimate banks with branches in Warren, 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 Warren, Rhode Island

Based on our current data, some of the highest checking account APYs available to residents of Warren, Rhode Island include:
  • Navigant Credit Union
    Journey Rewards Checking — 3.00% APY
  • BankNewport
    BN Premium Checking — 0.05% APY
  • Centreville Bank
    Personal Premium Checking — 0.05% APY
  • Westerly Community Credit Union
    eChecking — 3.50% APY
  • Milford Federal Bank
    EZ Interest Checking — 2.75% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Warren, Rhode Island. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: March 22, 2026

Warren, Rhode Island Rates & Resources

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