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Best Banks & Checking Accounts in Warwick, Rhode Island - April 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: April 4, 2026

The best checking rates for Warwick, Rhode Island include Navigant Credit UnionNavigant Credit Union2100 Warwick Ave, Warwick, RI 02889A+5.0 ★Texas Ratio: 4.27% Journey Rewards Checking at 3.00% APY, Bank5 ConnectBank5 Connect1060 Centerville Road, Warwick, RI 02886A+5.0 ★Texas Ratio: 1.34% Connect Checking at 2.00% APY, Shoreham BankShoreham Bank1 Shoreham Way, Warwick, RI 02886A5.0 ★Texas Ratio: 10.45% Premier Checking at 1.50% APY, Greenwood Credit UnionGreenwood Credit Union2669 Post Rd, Warwick, RI 02886 3039A+5.0 ★Texas Ratio: 3.56% Greenwood Interest Checking at 0.25% APY, and Washington Trust Company, of WesterlyWashington Trust Company, of Westerly236 Centerville Road (rt 117), Warwick, RI 02886A5.0 ★Texas Ratio: 7.68% Freedom Ultra Checking at 0.10% APY. Checking account rates as of April 4, 2026 according to verified data from MonitorBankRates.

Warwick has 9 local institutions in our database, with checking rates as high as 3.00% APY from Navigant Credit Union at 2100 Warwick Ave, Warwick, RI, 02889. 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 Warwick, Rhode Island. Checking Account Rates Last Updated and Verified: April 4, 2026

Compare Checking Account Rates Today in Warwick, 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%
2100 Warwick Ave
Warwick, RI 02889
Journey Rewards Checking
3.00%
$0
View
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

No additional details provided.

Bank5 Connect
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
1060 Centerville Road
Warwick, RI 02886
Connect Checking
2.00%
$10
View
▼
Rate1.98%
Min Deposit$10
Min Balance—
UpdatedMar 25, 2026
Details

No additional details provided.

Bank5 Connect
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
1060 Centerville Road
Warwick, RI 02886
Checking
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 25, 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 28, 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 28, 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—
UpdatedApr 2, 2026
Details

No additional details provided.

Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2100 Warwick Ave
Warwick, RI 02889
Relationship Checking
0.15%
$0
View
▼
Rate0.14%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

No additional details provided.

Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
236 Centerville Road (rt 117)
Warwick, RI 02886
Freedom Ultra Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details

No additional details provided.

BankNewport
Institution Rating:
A+5.0 ★ Texas Ratio: 3.06%
27 Strawberry Field Rd
Warwick, RI 02886
BN Premium Checking
0.05%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedApr 4, 2026
Details

Minimum Daily Balance to Earn APY; $2,000

Centreville Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.04%
578 Greenwich Ave
Warwick, RI 02886
Personal Premium Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
236 Centerville Road (rt 117)
Warwick, RI 02886
Freedom Plus Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details

No additional details provided.

Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
95 Jefferson Blvd
Warwick, RI 02888
Investment Plus Checking Account
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 28, 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.

Navigant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2100 Warwick Ave
Warwick, RI 02889
Personal Checking
0.05%
$0
View
▼
Rate0.04%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

No additional details provided.

Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
236 Centerville Road (rt 117)
Warwick, RI 02886
Freedom Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details

No additional details provided.

Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
236 Centerville Road (rt 117)
Warwick, RI 02886
Simply Free Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details

No additional details provided.

Webster Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
1376 Bald Hill Rd
Warwick, RI 02886
Private Checking
0.01%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMar 29, 2026
Details

Qualifying balance up to $49,999.99

Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
236 Centerville Road (rt 117)
Warwick, RI 02886
Freedom Ultra Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 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 28, 2026
Details

No additional details provided.

Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
236 Centerville Road (rt 117)
Warwick, RI 02886
Simply Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details

No additional details provided.

Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
236 Centerville Road (rt 117)
Warwick, RI 02886
Freedom Plus Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 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%
2100 Warwick Ave
Warwick, RI 02889
Journey Rewards Checking
3.00%
$0
View
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

No additional details provided.

Bank5 Connect
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
1060 Centerville Road
Warwick, RI 02886
Checking
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

No additional details provided.

Bank5 Connect
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
1060 Centerville Road
Warwick, RI 02886
Connect Checking
2.00%
$10
View
▼
Rate1.98%
Min Deposit$10
Min Balance—
UpdatedMar 25, 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 28, 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 28, 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—
UpdatedApr 2, 2026
Details

No additional details provided.

BankNewport
Institution Rating:
A+5.0 ★ Texas Ratio: 3.06%
27 Strawberry Field Rd
Warwick, RI 02886
BN Premium Checking
0.05%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedApr 4, 2026
Details

Minimum Daily Balance to Earn APY; $2,000

Centreville Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.04%
578 Greenwich Ave
Warwick, RI 02886
Personal Premium Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
236 Centerville Road (rt 117)
Warwick, RI 02886
Freedom Plus Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details

No additional details provided.

Rhode Island Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
95 Jefferson Blvd
Warwick, RI 02888
Investment Plus Checking Account
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 28, 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%
236 Centerville Road (rt 117)
Warwick, RI 02886
Freedom Plus Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details

No additional details provided.

Westerly Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
eChecking
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details

Qualifying balance up to $19,999.99

Milford Federal Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
EZ Interest Checking
2.75%
$0
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

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

The Peoples Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
myDirect Interest Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 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%
2100 Warwick Ave
Warwick, RI 02889
Journey Rewards Checking
3.00%
$0
View
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

No additional details provided.

Westerly Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
Cashback Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 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%
236 Centerville Road (rt 117)
Warwick, RI 02886
Freedom Ultra Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details

No additional details provided.

Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
236 Centerville Road (rt 117)
Warwick, RI 02886
Freedom Plus Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details

No additional details provided.

Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
236 Centerville Road (rt 117)
Warwick, RI 02886
Freedom Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details

No additional details provided.

Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
236 Centerville Road (rt 117)
Warwick, RI 02886
Simply Free Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details

No additional details provided.

Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
236 Centerville Road (rt 117)
Warwick, RI 02886
Freedom Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details

No additional details provided.

Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
236 Centerville Road (rt 117)
Warwick, RI 02886
Freedom Plus Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details

No additional details provided.

Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
236 Centerville Road (rt 117)
Warwick, RI 02886
Freedom Ultra Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details

No additional details provided.

Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
236 Centerville Road (rt 117)
Warwick, RI 02886
Simply Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 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 28, 2026
Details

No additional details provided.

Westerly Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 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—
UpdatedApr 2, 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—
UpdatedApr 2, 2026
Details

No additional details provided.

Westerly Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
Free Business Checking with Interest
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details

No additional details provided.

The Peoples Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
Business Interest Checking
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

No additional details provided.

Westerly Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
Free Business Checking with Interest
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details

No additional details provided.

The Peoples Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
Business Interest Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

No additional details provided.

Westerly Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
Free Business Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details

No additional details provided.

Warwick, RI Checking Rate Trends

Compare local Warwick, 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.

View Full Rhode Island Checking Trends →
High-Yield Checking — RI Avg
3.392%
▲ 3.281 vs 7 days ago

Rhode Island high-yield checking rates rose 3.281 points over the past 7 days to 3.392% APY.

Free Checking — RI Avg
0.274%
▲ 0.244 vs 7 days ago

Rhode Island free checking rates rose 0.244 points over the past 7 days to 0.274% APY.

As of Apr 6, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

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

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

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

Based on our current data, some of the highest checking account APYs available to residents of Warwick, Rhode Island include:
  • Navigant Credit Union
    Journey Rewards Checking — 3.00% APY
  • Bank5 Connect
    Connect Checking — 2.00% APY
  • Shoreham Bank
    Premier Checking — 1.50% APY
  • Greenwood Credit Union
    Greenwood Interest Checking — 0.25% APY
  • Washington Trust Company, of Westerly
    Freedom Ultra Checking — 0.10% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Warwick, Rhode Island. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: April 4, 2026

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