Personal Checking

Sometimes it can be difficult to find the right account that meets your needs. At River Bank, we give you a number of options for tailoring your account to fit your spending practices.

A Variety of Accounts to Suit Your Personal CheckingLifestyle

 

Stop in or give one of our bankers a call to see which checking account will best meet your needs.

Compare Accounts

Account Features

Easy Checking

50+ Checking
For individuals 50 & older

NOW Account

Rewards Checking

Student Checking

Minimum Deposit to Open

$25

$100

$500

$50

$25

Minimum Daily Balance to Avoid Service Charge

$0

$100

$500

$0

$0

Interest Earned

No

Yes

Yes

Yes 

No

Online Banking and Mobile Banking

Free

Free

Free

Free

Free

Mobile Deposit

Free

Free

Free

Free

Free

*All River Bank Personal Banking Checking Accounts qualify for our SAVE THE CHANGE Program. An effortless way to save for a rainy day! Check it out! Click on the link or see the Additional Services Tab on the home page.

All River Bank checking accounts offer:

View Rates Schedule of Fees and Charges

Easy Checking

Enjoy a checking account that offers convenience and freedom.
  •  No minimum balance
  •  No monthly fees
  •  $25.00 minimum deposit to open
  •  Debit card
  •  Free Online Banking, Mobile Banking, Mobile Check Deposit, Telephone Banking, Bill Pay

50+ Checking

This interest bearing account offers great features and versatility for individuals 50 years and better. This account includes the following:  

  •  $100.00 minimum deposit to open
  •  $7.00 monthly maintenance fee - Fee waived with $100.00 minimum daily balance
  •  $100.00 minimum average daily balance to earn interest

Special features:

  •  Free Checks
  •  Free paper statements
  •  Free cashier checks and money orders
  •  Free safe deposit box rental for one year - subject to size availability
  •  Debit card
  •  Interest compounded and credited monthly
  •  Free Online Banking, Mobile Banking, Mobile Check Deposit, Telephone Banking, E-Statements, Bill Pay

NOW Account

This account has the opportunity to earn monthly interest with the advantage of a debit card and unlimited check writing.

  •  $500.00 minimum deposit to open
  •  $3.00 monthly service charge - Fee waived with $500.00 minimum daily balance - additional $0.10 per debit will be imposed every month if the daily balance falls below $500.00 any day of the month
  •  $500 minimum average daily balance to earn interest

Special Features:

  •  Interest is compounded and credited monthly

  •  Interest begins to accrue no later than the business day we receive credit for the deposits of non cash items

  •  Free Online Banking, Mobile Banking, Mobile Check Deposit, Telephone Banking, E-Statements, Bill Pay


Rewards Checking

A great account with a super rate! This account is perfect for individuals who like the convenience of a debit card and direct deposit.

  •  $50.00 Minimum deposit to open
  •  $0.00 average daily balance to earn Interest

Rewards Checking offers a premium rate of interest for those who are able to meet three easy monthly requirements

  •  20 or more debit card purchases
  •  Direct Deposit
  •  E-Statements

Special Features:

  •  No minimum balance
  •  No monthly service charges
  •  Debit Card
  •  Up to $20.00 ATM transaction fees refunded - when the (3) requirements are met

Student Checking

This is a convenient account for those enrolled in high school or higher education. There is no age limit, so adult learners also qualify!! 

Special Features:

  • No minimum balance
  • No annual fee debit card
  • First order of checks free
  • Up to $200.00 match with our SAVE THE CHANGE program.
    *To find out more, click on the link or refer to the Additional Services tab on the home page. 

Direct Deposit

Direct deposit is a safe, convenient way to bank. When you sign up for direct deposit, your social security, payroll, or other recurring checks are automatically sent to your checking or savings account at River Bank. No more trips to the bank to make deposits. No more fear about lost or stolen checks. No more worries about getting your check into the bank on time if you are sick, on vacation, or away from home for any reason. Just peace of mind knowing your money is always there when you need it. Check with your employer to see if direct deposit is available through your company, or contact us to arrange direct deposit of your government or other regular payments.

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