Save up for Something Special
Account Features
Savings Account
Youth Savings Account
Christmas Club
Money Market
Minimum Deposit to Open
$100
$25
$20
$1,500
Minimum Daily Balance to Avoid Service Charge
$100
N/A
N/A
$1,500
Monthly Service Charge if Below Minimum Daily Balance
$0.50
N/A
N/A
$6.50
Interest Earned
Yes
Yes
Yes
Yes
Online Banking and Mobile Banking
Free
Free
Free
Free
Mobile Deposit
Free
Free
Free
Free
See additional account disclosures, deposit account rules, deposit account rate sheet and Schedule of Fees and Charges . *$2.00 paper statement fee (does not apply to savings accounts held by minors).
This high-interest youth account is a great way to give your child a financial head start. Make savings fun with our interactive feature designed to keep kids engaged with their financial goals.
For those 17 years of age and under
$25 minimum deposit to open
Make additional deposits at any time in person, with an online transfer, or with the mobile app.
No monthly service charge or minimum balance.
Funds transferred into a regular savings account upon child's 18th birthday
Youth Savings Rate
Interest Rates and Annual Percentage Yields are current as of September 23, 2025.
Account Product Name
Minimum Opening Deposit
Minimum Balance to Obtain Annual Percentage Yield
Interest Rate
Annual Percentage Yield
$0 – $5,000.00
$25.00
$0.00
5.87%
6.00%
$5,000.01 and up
$25.00
$0.00
0.200%
0.200%
*APY = Annual Percentage Yield. Interest rate is 5.87% with an APY of 6.00%. APY of 6.00% will be paid on the entire balance up to $5,000.00. Earn an interest rate of 0.20% on the portion of the daily balance over the $5,000.00, resulting in a range from 6.00% to 0.20% APY depending on the account’s balance. 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.
A limit of one Youth Savings Account per account owner (minor). Youth Savings Account limited to owners age 17 and under. Youth Savings Account will automatically convert to Regular Savings Account, upon account owner reaching 18 years of age.
A personal Savings Account is a great way to meet your financial goals. The convenience, flexibility, and liquidity of our savings accounts offer security for life-long saving regardless of the goal
$100 minimum deposit to open
$0.50 Monthly service charge - service charge waived with $100 minimum daily balance
Special Features
Minimum daily balance and opening deposit waived for minors and individuals 50 years and older
Free Online Banking, Mobile Banking, Mobile Check Deposit, Telephone Banking, E-Statements, Bill Pay
A Christmas Club Savings Account is designed for customers to make deposits of any amount during the months of November through October.
$20.00 Minimum deposit to open account
Make additional deposits anytime in person, transfer into online, or with the mobile app
Funds disbursed mid-October
Visit any River Bank location to begin your Christmas Club Account.
**Early withdrawal penalty may apply
Our Tiered Money Market Account at River Bank combines the earning power of a CD-type investment, with the flexibility of a checking account to give you high earning potential and liquidity.
$1,500 minimum deposit to open
$6.50 monthly service charge - waived with a $1,500 minimum daily balance
Free Online Banking, Mobile Banking, Mobile Check Deposit, Telephone Banking, E-Statements, Bill Pay
Interest rates are tiered, with greater interest rates paid for higher balance levels.
Tier 1 - Average daily balance of $1,500 - $25,000
Tier 2 - Average daily balance of $25,000.01 - $100,000
Tier 3 - Average daily balance of $100,000.01 and up
Limitations: During any one (1) calendar month or statement cycle, you may not make more than six (6) withdrawals or transfers to another account of yours or to a third party by means of preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party. No limit for "in person" transactions.
