Review on Riddellonline
Disclaimer
Our reviews are subjective opinions based on the analysis of our independent writers from around the world. We recommend exercising your own judgment and verifying information independently. We cannot be held liable for decisions made based on our reviews.
Summary
About Riddellonline
The website riddellonline.com is the official online portal of Riddell National Bank, headquartered in Brazil, Indiana, United States. The bank presents itself as a full‑service community bank offering personal deposit accounts (checking, savings, CDs), business banking, lending (auto loans, mortgages, commercial real estate), and online/mobile banking services. It states it is “FDIC‑Insured – Backed by the full faith and credit of the U.S. Government.” The website provides clear branch locations, addresses and phone numbers in Indiana. It also details online banking features: mobile deposits, Zelle®, e‑statements, alerts, card controls.
From the information available, the bank appears to be a legitimate U.S. bank, not just an online “bank” without physical presence or regulatory oversight. Its FDIC Certificate (#4318) is listed.
However, as you are located in Nigeria and perhaps considering this site for international usage, there are various observations, caveats and “red flag” areas for non‑U.S. customers. The following review covers key points, advantages/disadvantages, and a concluding judgement on whether this site is safe to use.
More Details
fter a detailed review of the available information, I consider the website legitimate. Here are the main reasons:
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The institution, Riddell National Bank, is listed in the U.S. Federal Deposit Insurance Corporation’s BankFind directory with Certificate #4318, confirming its status as an FDIC‑insured bank.
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The website provides consistent physical branch addresses, phone numbers, branch hours, and a credible geographic footprint in Indiana.
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The website offers expected banking features (mobile app, remote deposit, Zelle®, alerts) and user feedback (mobile app reviews) that align with genuine bank operations.
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The site clearly discloses data‑security practices, privacy sharing policies, and regulatory notices (e.g., substitute check policy) which is characteristic of regulated U.S. banks.
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There is no immediate evidence or strong indicator of scam behaviour — no reports of the bank being fraudulent or unlicensed. The bank’s long history (since 1885 per one report) reinforces its legitimacy.
Important caveats for users in Nigeria or outside the U.S.:
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While the bank is legitimate, the fact it’s a U.S.‑domiciled bank means you must ensure your eligibility: Do they accept non‑U.S. resident customers? What requirements (passport, U.S. address, US tax ID) will they impose?
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Operating from Nigeria may incur additional costs (international wires, currency conversion), and the legal/regulatory protections may not be as direct (you would still be dealing with U.S. jurisdiction).
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If your objective is "online banking from Nigeria" using U.S. bank features, you should verify with the bank directly whether international access is fully supported.
In short: The site is legitimate for U.S. customers; for international users, it may still work but you need to verify eligibility and accept the additional complexities.
Warning: Low score, please avoid this website!
According to our review, this website has a higher risk of being a scam website.
It may attempt to steal your funds under the pretense of helping you make money.
Notice: High Score — Not likely to be a scam website.
According to our review, this website has a low risk of being a scam.
There is minimal indication of fraudulent activity.
Notice: Moderate score — Caution advised.
According to our review, this website shows a moderate risk level based on current data.
There is no strong evidence of a scam, but users should proceed carefully.
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Competiting Brands
Photos of Riddellonline
Pros
- Physical branches & established history – Established in 1885 (per one source). Having a long history and brick‑and‑mortar presence is reassuring.
- Modern digital features – Offers mobile banking, Zelle®, remote deposit capture, alerts, e‑statements. These features point to a functioning, modern bank service.
- Transparency on policies – The privacy policy and disclosures are detailed. For example the privacy policy explains how personal information is collected, used, shared.
- U.S. deposit protection – For U.S. residents, deposits are insured up to the standard limits via FDIC.
Cons
- Potential limitations for international users – If you are outside the U.S., many of the features may not apply, or opening an account may be difficult due to residency, identity verification, compliance issues.
- Currency / transfer issues – If you are depositing or holding funds in non‑U.S. currency or transferring from Nigeria, there could be exchange‑rate costs, additional fees, regulatory burdens.
- Service focus on U.S. market – The bank appears to serve U.S. customers; if you are outside, you may get limited support (branch day‑times based in Indiana time zone, phone numbers may have toll charges abroad).
Website Overview
Country:
USA
Operating Since:
2000
Platforms:
Mobile/Desktop
Type:
Online bank
Spread:
N/A
Funding:
Online bank
Leverage:
N/A
Commission:
N/A
Instruments:
N/A
Keypoints
The bank has a physical presence with multiple branches in Indiana (Brazil Downtown, Brazil East, Center Point, etc).
The site clearly states it is FDIC‑insured, giving depositor protection up to standard U.S. limits.
The website shows various standard features of modern banking: mobile banking app (for iOS and Android) with good user reviews (4.7★ for iOS app) indicating credible ongoing service.
The site uses normal domain conventions (.com) and lists contact phone numbers (812‑448‑2611, toll‑free 1‑800‑940‑2611) and physical address (1 E National Ave, Brazil, IN 47834).
Overall Score
70%
Final Thoughts
After viewing and analyzing the site thoroughly by our experts and undergoing the proper process, we have reached a final conclusion.
In conclusion, riddellonline.com and the corresponding institution, Riddell National Bank, appear to be a well‑established, properly regulated U.S. bank offering genuine banking services. For U.S. residents, the bank delivers full service with modern online/mobile capabilities and FDIC protection. The existence of physical branches, consistent regulatory listings, and transparent disclosures all support the bank’s legitimacy.
However, for someone outside the U.S. (such as in Nigeria), caution is advisable. While the site is not a scam, your experience may vary significantly: you may face barriers to account opening, limited service availability, costs associated with international banking, and regulatory compliance issues. If your goal is to open or use an account from abroad, you should contact the bank directly to confirm their policies toward non‑U.S. residents and understand all fees and restrictions.
If you are personally considering using this bank from Nigeria, I suggest verifying:
Whether you as a non‑U.S. resident are eligible to open an account.
What documentation (passport, proof of address, U.S. tax ID) is required.
What currency the account will hold (U.S. dollars vs foreign currency) and what conversion/tranfer fees apply.
What international access (mobile app, remote deposit) is permitted.
The maximum coverage via FDIC for your account type given your residency and currency.
Overall: For what it is—a U.S. community bank—the site is legitimate. But for international usage, treat it as legitimate yet potentially impractical or restricted unless you confirm compatibility with your location.
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