A Variety of Accounts to Suit Your Lifestyle
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
No minimum balance
No monthly fees
$25.00 minimum deposit to open
Free Online Banking, Mobile Banking, Mobile Check Deposit, Telephone Banking, Bill Pay
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 Online Banking, Mobile Banking, Mobile Check Deposit, Telephone Banking, E-Statements, Bill Pay
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
Interest Rates and Annual Percentage Yields are current as of December 17, 2025.
Account Product Name
Minimum Opening Deposit
Minimum Balance to Obtain Annual Percentage Yield
Interest Rate
Annual Percentage Yield
Tier 1: $0 – $10,000.00
$50.00
$0.00
3.00%
3.04%
Tier 2: $10,000.01 and up
$50.00
$0.00
0.10%
0.10%
Account Product Name
Minimum Opening Deposit
Minimum Balance to Obtain Annual Percentage Yield
Interest Rate
Annual Percentage Yield
Tier 3: $0 and up
$50.00
$0.00
0.10%
0.10%
*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.
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.
