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.
Compare Accounts
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Account Features
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Easy Checking
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50+ Checking
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Rewards Checking
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Student Checking
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Minimum Deposit to Open
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$25
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$100
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$50
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$25
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Minimum Daily Balance to Avoid Service Charge
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$0
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$100
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$0
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$0
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Interest Earned
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No
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Yes
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Yes
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No
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Online Banking and Mobile Banking
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Free
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Free
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Free
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Free
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Mobile Deposit
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Free
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Free
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Free
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Free
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*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
- 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
Special features:
- Free Checks
- Free paper statements
- Free cashier's checks and money orders
- Free safe deposit box rental for one year - subject to size availability
- 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
Rewards Checking Rates
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Rates effective April 10, 2025; subject to change
If Account Qualifications ARE Met:
| |
Daily Balance |
Interest Rate |
APY* |
| Tier 1: |
$0-$10,000.00 |
3.00% |
3.04% |
| Tier 2: |
$10,000.01 and up |
0.10% |
0.10% |
If Account Qualifications NOT Met:
| |
Daily Balance |
Interest Rate |
APY* |
| Tier 3: |
$0 and up |
0.10% |
0.10% |
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***
*APY = Annual Percentage Yield. Interest will be compounded and credited quarterly. Fees could reduce the earnings on this account. Rates are subject to change at any time without notice.
**Debit Purchase transactions must post to and settle on your checking account during the statement cycle in order to receive the Premium Rate. Debit Card Purchase is defined as a Point of Sale (POS). Transactions processed by merchants and received by River Bank as ATM transactions do not count towards qualifying transactions. We post purchases to your account when we receive them from the merchant, and that may occur one or more days after the purchase date. Purchases that have been initiated but not posted as of the end of the cycle will not count as a qualifying transaction for that cycle (but will count in the following cycle when they post). Fees may reduce earnings.
***Foreign ATM fees are fees that another financial institution may charge you during an ATM transaction when you are using their ATM. Limit of up to $20.00 in ATM refunds per statement cycle. Only the ATM fees charged to your Rewards Checking account will be refunded.
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.
*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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