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

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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 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

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

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%
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.
  • *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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