Checking Accounts

Student Checking

  • $100 minimum opening deposit
  • No minimum balance requirement
  • Age 24 and under
  • Non interest bearing
  • E-Statements
  • Debit card
  • Online banking with bill pay
  • Mobile app banking
  • Automatic refund of other banks’ ATM fees
  • No annual fee Visa credit card
  • (credit approval required/applicant must be at least 19 years of age)
  • Overdraft funding
  • (from another account/$5 fee per transfer)
  • Paper statements available
  • ($4.95 monthly fee)
  • (On the 25th birthday of the account holder, auto conversion to My River Checking will occur; account holder will receive notice 6 months prior to conversion)
  • Member FDIC

My River Checking

  • $100 minimum opening deposit
  • No minimum balance requirement
  • $8 monthly service charge; earn $4 credits up to $8 for each of the following:
  • E-Statement registration
  • At least 15 posted debit card transactions that post and clear a month
  • (does not include ACH transactions or ATM withdrawals)
  • Non interest bearing
  • E-Statements
  • Debit card
  • Online banking with bill pay
  • Mobile app banking
  • Automatic refund of other banks’ ATM fees
  • Notary service
  • No annual fee Visa Rewards credit card
  • (credit approval required/applicant must
    be at least 19 years of age)
  • Overdraft line of credit
  • (credit approval required/$25 annual fee)
  • Overdraft funding
  • (from another account/$5 fee per transfer)
  • MEMBER FDIC
  • My River Checking benefits package

Interest Checking

  • $100 minimum opening deposit
  • $10 monthly service charge; waived with minimum balance of $2,500 or average monthly balance of $5,000
  • Competitive interest rate paid on average monthly balance based on the following tiers:
  • $0–$24,999.99
  • $25,000–$49,999.99
  • $50,000–$99,999.99
  • $100,000 & above
  • Interest paid monthly
  • E-Statements
  • Debit card
  • Online banking with bill pay
  • Mobile app banking
  • Automatic refund of other banks’ ATM fees
  • No annual fee Visa credit card
  • (credit approval required/applicant must be at least 19 years of age)
  • Overdraft line of credit
  • (credit approval required/$25 annual fee)
  • Overdraft funding
  • (from another account/$5 fee per transfer)
  • Paper statements available
  • ($4.95 monthly fee)
  • Member FDIC

Vintage Checking

  • $100 minimum opening deposit
  • No monthly service charge
  • Age 55 & over
  • Competitive interest rate paid on average monthly balance based on the following tiers:
  • $0–$24,999.99
  • $25,000–$49,999.99
  • $50,000–$99,999.99
  • $100,000 & above
  • Interest paid monthly
  • Statements (electronic or paper)
  • Debit card
  • Online banking with bill pay
  • Mobile app banking
  • Automatic refund of other banks’ ATM fees
  • Unlimited check writing
  • Wallet checks (excluding postage)
  • Cashier’s checks
  • Telephone banking
  • No annual fee Visa credit card
  • (credit approval required/applicant must be at least 19 years of age)
  • Overdraft line of credit
  • (credit approval required/$25 annual fee)
  • Overdraft funding
  • (from another account/$5 fee per transfer)
  • River Rewards with aggregate personal balances
  • in excess of $50,000
  • Member FDIC

Military Service Checking

  • $100 minimum opening deposit
  • No minimum balance requirement
  • No monthly service charge
  • Non interest bearing
  • E-Statements
  • Debit card
  • Online banking with bill pay
  • Mobile app banking
  • Automatic refund of other bank’s ATM fees
  • Notary service
  • 50% discount on a 3×10 safe deposit box
  • No annual fee Visa Rewards credit card
  • (credit approval required/applicant must be at least 19 years of age)
  • Overdraft line of credit
  • (credit approval required/$25 annual fee)
  • Overdraft funding
  • (from another account/$5 fee per transfer)
  • One account per active duty service member or veteran
  • (must have valid military identification)
  • Benefits Package
  • Member FDIC