FDIC-Insured - Backed by the full faith and credit of the U.S. Government*
To open an account, you must be 17 years or older, have a social security number and a valid government-issued ID. You can apply anytime online.We do not recommend applying using VPN.
Your social security number is needed to verify your identity.
It has been sent for additional review.
The reasons requiring additional review vary but could be because you used a nickname when applying instead of your full legal name. Other common reasons include using a public WiFi when applying and the IP address not matching your mailing address. If you’ve placed a credit freeze while on deployment, that may also prevent your identity from being verified.
For the first 30 days, transfer limits will be low but will automatically adjust. In the meantime, you can send a secure message or call us and request a higher limit or use a wire or mobile deposit to transfer money in. Setting up direct deposit using the auto-populated and auto-signed form makes it easy to fund your account without having to worry about the initial transfer limit.
ROGER is the digital military banking division of 125-year old Citizens Bank of Edmond. Citizens owns and operates ROGER and deposits are FDIC insured through Citizens Bank of Edmond. Veteran-owned and led Citizens Bank of Edmond specifically made ROGER to serve the military community. ROGER has the modern technology of a FinTech with the stability and safety of a 5-star Bauer rated community bank.
Products and services are developed with the needs of service members in mind, however ROGER can serve all consumers. If the features speak to you, open an account today.
Your money is protected through the Federal Deposit Insurance Corporation. All customer deposits under ROGER and Citizens Bank of Edmond would be combined for a total insurance amount of $250,000 per depositor, per ownership category.
Our Customer Service team is ready to help you from 7 a.m. to 7 p.m. CT, Monday through Friday excluding Federal Holidays. Call us at +1 (844) 995-2484 or email support@roger.bank.
If you need to change your address, you can call 844.995.2484 or send a secure message. On the homepage of the app, you'll see the envelope in the top right corner.
Round Up is a way to save a little bit at a time. When you make a purchase on your ROGER debit card, you can choose to round up transactions to the nearest dollar and put it into your savings account. To get started, set up a Savings Goal from your app and select Round Up as a way to save. Round Up is offered to personal accounts only, not business accounts.
To help you save more, ROGER will match each Round Up amount and contribute directly to your savings goal.
For the first 90 days after account opening, ROGER will match 100% of round-ups, up to $100.00. The funds will be deposited into your savings the first business day following 90 days after account opening. After 90 days, we will match 15% of round-ups, up to $20.00 per 30-day period.
If you turn off Round Up as a way to save, you will no longer receive Round-Up Match funds.
The match credit is tax reportable, but should not be reported as interest. Limitations apply; see "When will I receive my Round-Up Match?" below for more details.
For any customer who selects Round Up as a way to save, ROGER automatically rounds up debit card purchases to the nearest dollar and transfers that amount from your Checking Account into your Savings Account. For the first 90 days after account opening, ROGER will match 100% of round-ups, up to $100.00. The funds will be deposited into your savings the first business day following 90 days after account opening. Starting on the first business day of the month following the initial 90 days, ROGER will match 15% of round-ups, up to $20.00 per month. The Round Up funds will be deposited in your Savings Account every 30 days following the start of the new 15% Round Up match period. If you turn off Round Up as a way to save, you will no longer receive Round-Up Match funds. The match credit is tax reportable, but should not be reported as interest.
With Early Pay, ROGER provides early access to your paycheck funds if you have direct deposit set up. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 4 days earlier than the scheduled payment date.
You can find the direct deposit form in the mobile app or online banking. Navigate to Profile & Settings, Direct Deposit. On your phone, the Settings menu is under More.
For person-to-person payments, click on Pay/Transfer and then you can choose the Pay a Person option.
While the use of checks has declined, we recognize that some expenses, such as rent, credit card payments, student loans, and other bills, still require payment by check.
To help our ROGER customers in these situations, we offer a convenient Bill Pay feature! With Bill Pay, you can easily send payments electronically, allowing you to manage your bills efficiently without needing to write a physical check.
Use our switch kit to make your transition to ROGER as easy and convenient as possible.
You can find your account number in your online banking or mobile banking. From your dashboard, select the account preview to open the account details screen. Select the "eye" icon to make your full account number visible. If you have trouble locating your account number, you can contact us at +1 (844) 995-2484.
The ROGER routing number is: 103013415.
ROGER Bank is powered by Citizens Bank of Edmond. The ROGER routing number is a secondary routing number for Citizens Bank of Edmond.
You have a few easy ways to get started. The easiest way is to set up your paycheck for direct deposit. ROGER has a military-ready direct deposit form available in the mobile app or online banking. Navigate to Profile & Settings, Direct Deposit. On your phone, the Settings menu is under More. You can also move money to ROGER from another account. Look for Pay and Transfer, then External Transfer in online banking or your mobile app.
Cash can be obtained from virtually any ATM worldwide, or at a merchant that allows cash-back transactions using your ROGER Visa® Debit Card.
You may see two small deposits and a withdrawal made with your linked account within 2-5 business days of linking your account with ROGER. This helps verify your connected account before we allow deposits or transfers to be made.
You can personalize the way you save over time by creating a virtual folder within your savings account. Money can be added all at once, as a set amount, or as a percentage of each deposit. You can pause savings contributions or remove money from your virtual folder at anytime.
You can set up personalized folders for anything you want, think food or entertainment, then track your spending as you go to better understand where you spend your money.
To open an additional product within online banking, click on the Products tab and select "Open a New Account." From the mobile app, click on More > Products > Open a New Account.
APY, which considers annual compound interest, reflects your annual earnings. For example, a $1,000 deposit with a 5.00% APY and monthly $100 deposits would grow to $2,277.50 in a year.
ROGER Bank's routing number is 103013415.
When your account is approved, you will be prompted to enroll in online banking and guided through the process step-by-step. If there are any questions regarding this process, please contact us at +1 (844) 995-2484 or support@roger.bank.
You can schedule recurring bills be paid automatically. Set it up in the mobile app or online banking under Pay & Transfer.
The app is available for both iOS and Android. Click on the links below to install the app today.
Download in the Apple Store
Download in the Google Play Store
Sign the back of the check and write "for ROGER mobile deposit only."
You will receive your debit card within 7-10 business days. When you receive your card, you will set your PIN when you activate your card in the mobile app or online banking.
Need your card sooner?If you need your card sooner, please contact our support team:Email us at: support@roger.bankCall us at: 844.995.2484
After you receive your debit card and follow the steps to activate it, please wait one hour before using the card and before adding it to your mobile wallet.
There is no charge for an ATM within our partner networks - Allpoint, Pulse, Word Pay, Visa, or AFFN. ATM owners may charge an additional fee, or surcharge. ROGER will reimburse any additional fees.
You can use your debit card worldwide – anywhere Visa is accepted. When traveling internationally, simply switch on "Foreign Transactions" in the Manage Card section in your mobile app or online banking account.
First, lock your card from online banking or your mobile app (see next question for how to). Then, call to report LOST or STOLEN cards call: +1 (844) 995-2484 during business hours. A representative will assist you with blocking your card and preventing further charges from being applied to your account.
You can prevent debit card transactions by locking your card when you're off the grid or if you lost your card. Look for Manage Cards in the More menu from your mobile app or online banking account.
You may change your PIN in the mobile app or online banking. Look for Manage Cards in the More menu.
The APY = Annual Percentage Yield is tiered: The first tier of ROGER business checking accounts earns 1.01% APY4 on account balances =< $50,000 when you meet the qualifying reward requirements and balances over $50,000 earn 0.01% APY4. Qualifying reward requirements include: Ten (10) transactions per month.
You can access downloadable reports that are compatible with accounting software like QuickBooks.
Yes, you can open and manage your account 100% digitally via our web platform or mobile app.
You’ll need a valid ID (e.g., driver’s license, passport, or military ID) and your business entity documentation.
Digital cards are issued instantly. Physical cards are mailed within 7-10 business days.
Yes, the account is fully digital and accessible from anywhere—even if you’re reassigned or relocated.
We use multi-factor authentication, encryption, and account activity alerts to keep your account secure.
The APY = Annual Percentage Yield is tiered: 4.00% APY5 on balances under $250,000 and 0.01% APY5 on balances of $250,000.01 or more.
Interest is accrued daily and credited monthly.
Yes, transfers between ROGER accounts are instant and free.
Yes, you can name savings goals and schedule automatic transfers to support your financial objectives.
Yes, mobile check deposits are supported into savings accounts. Limitations may apply please call +1 (844) 995-2484 for details.
Yes, everything can be done online—from application to account management.
Yes, ACH origination is supported within the treasury platform with customizable approval workflows.
We offer Positive Pay, ACH filters, dual controls, and multi-user permissions to mitigate fraud risks.
Depending on your elected services, set up could take several days to several weeks after onboarding.
You’ll receive access to customizable reports, cash flow dashboards, and transaction history exports.
Yes, you can assign role-based access with tailored permissions for each user.
A VA loan is a mortgage program for active-duty service members, veterans, and eligible surviving spouses. Backed by the Department of Veterans Affairs, VA mortgage loans can make homeownership more accessible and affordable, with benefits including zero down payment eligibility, no PMI, and competitive rates.
VA loans are available to eligible active-duty service members, veterans, National Guard and Reserve members, and certain surviving spouses. Eligibility is based on service history and other criteria set by the Department of Veterans Affairs. Our team can quickly help determine your eligibility.
VA loans have no fixed maximum loan amount for qualified borrowers. Getting pre-approved through ROGER Bank can help you understand your personalized borrowing capacity based on your financial profile.
VA loans include a one-time funding fee, which varies depending on your service type, military status, and whether it’s your first VA loan. At ROGER Bank, we make fees transparent—no hidden charges, no surprises. You’ll always know what to expect.
Yes. You can use your VA benefits multiple times as long as your entitlement is available or has been restored. This means you can buy, build, or refinance a home more than once using VA financing.
Typical closings on a VA home loan take 30 to 45 days. At ROGER Bank, qualified borrowers may close in as little as 21 days when using our in-house underwriting. Although we are powered by the Citizens Bank of Edmond, if you’re considering a VA home loan, Oklahoma resident or not, we can help you throughout the entire loan underwriting and finalization process for a smooth, streamlined experience.
Yes. VA loans can be refinanced using an Interest Rate Reduction Refinance Loan (IRRRL) to lower your rate or term, or through a VA cash-out refinance to access your home’s equity. Our team can help you evaluate the costs and benefits to find the best option for your situation.
Absolutely. One of the biggest VA mortgage benefits is that qualified borrowers can purchase a home with no down payment. We’ll also show all funding fees and closing costs upfront so there are no surprises.
Getting pre-qualified is the first step toward serious home shopping. Our in-house underwriting team provides fast, personalized assessments, helping you better understand your budget and your borrowing ability.
The VA appraisal ensures the home meets minimum property requirements and protects both you and the lender. At ROGER Bank, we work with experienced VA appraisers to keep your purchase on track and help your veteran mortgage close smoothly.
We offer three VA loan products: VA Purchase Loans, VA Interest Rate Reduction Refinance Loans, and VA Cash-Out Refinancing.
Key Features:
Qualifications:
You are leaving roger.bank, do you want to continue?
