Vintage Checking Features

  • Age 55 and over
  • $100 minimum opening deposit
  • Competitive interest rate paid on average monthly balances based on the following tiers:
    • 0 - $24,999
    • $25,000 - $49,999
    • $50,000 - $99,999
    • $100,000 and above
  • No minimum balance requirement
  • No monthly service charge
  • Statements
    (paper or electronic)
  • Online Banking with bill pay
  • Debit card
  • Mobile banking
  • Automatic refund of other banks’ ATM fees
  • No annual fee Visa credit card
    (credit approval required)
  • 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
  • River Rewards with aggregate personal balances of $50,000
  • Wallet checks
    (excluding postage)

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
eStatements   Paper or Electronic      
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.