Ridgewood Savings BankChecking accountChecked Oct 10, 2026Updated Oct 9, 2026

Ridgewood Basic Banking Account

$3monthly fee

A year for an everyday customer: −$36 fees and interest, $2,000 kept
On our list: #449 of 986 checking accounts, by a year’s value for an everyday customer

Fees

Monthly fee: $3 a monthSource · checked Oct 10, 2026
Ways to avoid the monthly fee: Any one of these:
Direct Deposit Relationship
$2,500 Total Relationship
maintaining Online Banking with Ridgewood
Source · checked Oct 10, 2026
Overdraft fee: $30Source · checked Oct 10, 2026
Returned item (NSF) fee: $30Source · checked Oct 10, 2026
Overdraft transfer fee: $10Source · checked Oct 10, 2026
Most overdraft fees in a day: 90Source · checked Oct 10, 2026
ATM network: Ridgewood ATM; 4 free uses per month at non-Ridgewood ATMsSource · checked Oct 10, 2026
Out-of-network ATM fee: $1Source · checked Oct 10, 2026
Incoming domestic wire: $10Source · checked Oct 10, 2026
Outgoing domestic wire: $25Source · checked Oct 10, 2026
Stop payment: $25Source · checked Oct 10, 2026
Card replacement: $10Source · checked Oct 10, 2026

Bill payBudgeting toolsMobile check depositOnline openingSpending alerts

From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.

Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 4 items counted at typical fees