Student Checking Features

  • Age 24 and younger
  • $100 minimum opening deposit
  • Non-interest bearing
  • No minimum balance requirement
  • No monthly service charge
  • eStatements or $4.95 paper statement
  • Online Banking with bill pay
  • Debit card
  • Mobile banking
  • Automatic refund of other banks’ ATM fees
    (up to 5 per statement cycle)
  • 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/fees may apply)
  • Overdraft funding
    (from another account/$5 fee per transfer)
  • Unlimited check writing
  • Notary service
  • Telephone banking

A parent or legal guardian must be a joint owner on this account if student is under the age of 19.
Note: On the 25th birthday of the account holder, the account will convert to My River Checking. The account holder will receive notice 6 months prior to conversion.

Find the personal checking account that’s right for you.
Compare features below.

  My River Checking Vintage Checking Interest Checking Student Checking Military Checking
Minimum Opening Deposit $100 $100 $100 $100 $100
Interest Bearing          
Minimum Balance
    $2,500 daily or $5,000
average monthly balance
Monthly Service
$8 monthly service charge; earn $4 credits up to $8 for each of the following:
eStatement registration
At least 15 posted debit card transactions that post and clear a month (does not include ACH transactions or ATM withdrawals)
  $10 monthly service charge waived with
$2,500 monthly balance or average monthly balance of $5,000
Online Banking
with Bill Pay
Debit Card          
Mobile Banking          
Restrictions   55 years or older   24 years old or younger Active duty or veteran
Visa Credit Card
(approval required)
Overdraft Line of
Credit & Protection
(approval required)
Unlimited Check
Notary Service          
Telephone Banking          
Benefits Package          
Cashier’s Checks
Safe Deposit Box
Wallet Checks
Initial order only       Independence
style checks
Open a Checking Account


Open a Checking Account

New Customer
create account

Current Customer
log in

to your online bank account.

Click on the “+” sign in the “My Accounts” section.
Scroll down and click on “Open Account” to open a new personal checking account.