As a locally owned community bank, we realize the importance of assisting businesses in our area to grow and prosper. River Bank offers business checking accounts designed to help you manage your day-to-day transactions in the most cost-effective way.

SMART BUSINESS CHECKING ACCOUNT
Great for small businesses, clubs and non-profit organizations.
 
Features of our SMART Business Checking Account include:
  • $100.00 minimum deposit to open
  • Monthly service charge $.25 per transaction item over 100
    • Transaction items include- checks, deposit tickets, deposited items, transfers and all other debits and credits 
  • No interest earned
  • Check images are produced with statements and available on-line
  • Free E-Statements (Required)
  • Free 24 Hour Telephone Banking
  • Free Online Banking

BUSINESS CHECKING ACCOUNT

Features of our Business Checking Account include:

  • $100.00 minimum deposit to open
  • Service charges per statement cycle are:
    • $5.00 monthly service charge
    • $0.15 per debit item
    • $0.05 charge per deposit item over 200
  • Credit earned per statement cycle:
    • $1.00 for every $1,000 average available balance 
  • No interest earned
  • Check images are returned with statements and available online
  • Free E-Statements available ($2.00 paper statements) 
  • Free 24 Hour Telephone Banking
  • Free Online Banking


BUSINESS NOW ACCOUNT

If you’re a sole-proprietor or a non-profit organization for charitable, religious, educational or similar purposes, you can qualify for a Business NOW Account.

Features of our Business NOW Checking Account include:

  • Business NOW is available to sole proprietorship's and non-profit organizations
  • $500 minimum deposit to open
  • $500 minimum daily balance to avoid service charge*
  • Interest compounded and credited monthly
  • $500 minimum average daily balance to earn interest
  • Interest begins to accrue no later than the business day we receive credit for the deposits of noncash items (for example checks)
  • Check images are returned with statements and available online
  • Free E-Statements ($2.00 paper statements) 
  • Free 24 Hour Telephone Banking
  • Free Online Banking

*A service charge of $3.00 plus $0.10 per debit will be imposed every month if the daily balance in the account falls below $500 any day of the month.

ACH/DIRECT DEPOSIT

Initiate direct deposit of payroll, vendor payments and tax payments or collect payments from non-River Bank accounts.

NIGHT DEPOSIT

A 24-hour night deposit (night drop) is available at all locations. Transactions will be completed the next business day. Zipper and key lock bank bags available.

WIRE TRANSFERS

Domestic and international wire transfer services are available for outgoing or incoming wires. Please contact us for information regarding costs and instructions for sending and receiving wires.

MERCHANT CARD PROCESSING

As a business owner, you know how important it is to have convenient payment methods available to your customers. With merchant card processing, you will be able to accept credit and debit cards, increasing your sales almost immediately.

See additional account disclosures, deposit account rules, deposit account rate sheets and schedule of fees and charges available at all River Bank locations.