Federal Deposit Insurance Corporation

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 Lifestyle

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

 

couple sitting on grass looking at laptop

Compare Accounts

 
Account Features Easy Checking 50+ Checking Rewards Checking Student Checking

Minimum Deposit to Open

$25

$100

$50

$25

Minimum Daily Balance to Avoid Service Charge

$0 $100 $0 $0

Interest Earned

No Yes Yes No

Online Banking and Mobile Banking

Free Free Free Free

Mobile Deposit

Free Free Free Free

 

All River Bank checking accounts offer:

Schedule of Fees and Charges

Easy Checking

  •  No minimum balance
  •  No monthly fees
  •  $25.00 minimum deposit to open
  •  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:  

  1.  $100.00 minimum deposit to open
  2.  $7.00 monthly maintenance fee - Fee waived with $100.00 minimum daily balance

Special features:

  •  Free Checks
  •  Free paper statements
  •  Free cashier's checks and money orders
  •  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

Qualifications:

Rewards Checking offers a premium rate of interest when the following three (3) Qualifications are met each statement cycle**

  •  20 or more debit card purchases posted to your account
  •  Receive at least one Direct deposit posted to your account
  •  Receive E-Statements

 Special Features:

  •  No minimum balance
  •  No monthly service charges
  •  Refund of up to $20.00 in foreign ATM transaction fees per statement cycle, when qualifications are met***

Rewards Checking Rates

Comparison table of Rewards Checking - Qualifications ARE Met

Rewards Checking - Qualifications ARE Met

Account Product Name

Minimum Opening Deposit

Minimum Balance to Obtain Annual Percentage Yield

Interest Rate

Annual Percentage Yield

Tier 1: $0 – $10,000.00 $50 $0.00 3.00% 3.04%
Tier 2: $10,000.01 and up $50 $0.00 0.10% 0.10%
Comparison table of Rewards Checking - Qualifications NOT Met

Rewards Checking - Qualifications NOT Met

Account Product Name

Minimum Opening Deposit

Minimum Balance to Obtain Annual Percentage Yield

Interest Rate

Annual Percentage Yield

Tier 3: $0 and up $50 $0.00 0.10% 0.10%

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
  • Up to $200.00 match with our SAVE THE CHANGE program.

Save the Change

Save the Change is an optional program that will round up your debit card purchases to the nearest dollar and transfers the change into another account of your choice. (Funds cannot be transferred to HSA’s, IRA’s or CD’s).

As an incentive, if you are a customer who qualifies for our Student Checking Account, the rounded portion of debit card purchases are matched up to $200.00 per year!

  • Student Checking Accounts are available for two years, with the option to renew with proof of continuing education
  • No minimum balance required to obtain bonus
  • $25 minimum balance to open account
  • Bonus will be paid at the end of each statement cycle

Contact a bank representative today for more details!

Go to Top