Best Banks & Checking Accounts in Narragansett, Rhode Island - April 2026
Brian McKay
Brian McKay
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The best checking rates for Narragansett, Rhode Island include Washington Trust Company, of WesterlyWashington Trust Company, of Westerly885 Boston Neck Rd, Narragansett, RI 02882A5.0 ★Texas Ratio: 7.68% Freedom Ultra Checking at 0.10% APY, BankNewportBankNewport90 Point Judith Rd, Narragansett, RI 02882A+5.0 ★Texas Ratio: 3.06% BN Premium Checking at 0.05% APY, Centreville BankCentreville Bank1115 Boston Neck Rd, Narragansett, RI 02882A+5.0 ★Texas Ratio: 4.04% Personal Premium Checking at 0.05% APY, Westerly Community Credit UnionWesterly Community Credit UnionA+5.0 ★Texas Ratio: 1.26% eChecking at 3.50% APY, and Navigant Credit UnionNavigant Credit UnionA+5.0 ★Texas Ratio: 4.27% Journey Rewards Checking at 3.00% APY. Checking account rates as of April 4, 2026 according to verified data from MonitorBankRates.
Narragansett has 3 local institutions in our database, with checking rates as high as 0.10% APY from Washington Trust Company, of Westerly at 885 Boston Neck Rd, Narragansett, RI, 02882. Use the tabs below to compare all available checking account types. Rates are continually updated — we recommend checking back frequently.
Checking account rates reflect recent market quotes and representative offers available to depositors in Narragansett, Rhode Island. Checking Account Rates Last Updated and Verified: April 4, 2026
Compare Checking Account Rates Today in Narragansett, Rhode Island & the Surrounding Area
Narragansett, RI 02882
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Narragansett, RI 02882
Minimum Daily Balance to Earn APY; $2,000
Narragansett, RI 02882
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Narragansett, RI 02882
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Narragansett, RI 02882
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Narragansett, RI 02882
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Narragansett, RI 02882
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Narragansett, RI 02882
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Qualifying balance up to $19,999.99
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$1,500 minimum balance to waive $15 monthly fee.
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Narragansett, RI 02882
Minimum Daily Balance to Earn APY; $2,000
Narragansett, RI 02882
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Narragansett, RI 02882
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Narragansett, RI 02882
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Qualifying balance up to $19,999.99
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$1,500 minimum balance to waive $15 monthly fee.
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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.
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Narragansett, RI 02882
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Narragansett, RI Checking Rate Trends
Compare local Narragansett, RI checking rate quotes against the statewide average
Daily checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Rhode Island high-yield checking rates rose 3.177 points over the past 7 days to 3.289% APY.
Rhode Island free checking rates rose 0.097 points over the past 7 days to 0.127% APY.
Methodology & Data Sources
Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Narragansett, 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 Narragansett, 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 Narragansett, Rhode Island earn interest?
Are banks in Narragansett, Rhode Island FDIC insured?
What fees should I watch out for?
What is a Rewards Checking account?
Best Checking Rates in Narragansett, Rhode Island
- Washington Trust Company, of Westerly
Freedom Ultra Checking — 0.10% APY - BankNewport
BN Premium Checking — 0.05% APY - Centreville Bank
Personal Premium Checking — 0.05% APY - Westerly Community Credit Union
eChecking — 3.50% APY - Navigant Credit Union
Journey Rewards Checking — 3.00% APY
