A Variety of Accounts to Suit Your Lifestyle
Compare Accounts
Comparison of personal checking account options
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 May 7, 2026.
Rate Information for 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
$50.00
$0.00
3.00%
3.04%
Tier 2: $10,000.01 and up
$50.00
$0.00
0.10%
0.10%
Rate Information for 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
$50.00
$0.00
0.10%
0.10%
*APY = Annual Percentage Yield. Interest will be compounded and credited monthly. 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:
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!
