Banking that puts you first—plus a little extra to get started.
Open a new personal checking account with River Bank & Trust and receive a $250 welcome reward—it’s just our way of saying we’re so glad you’re here. Get ready to experience personal attention, genuine hospitality, and expertise from local bankers who listen, understand, and put your needs first!
After you open a new, eligible personal checking account, here’s how you qualify for your reward:
- Set up a qualifying direct deposit totaling at least $500 per month.
- Sign up for eStatements.
- Complete at least 10 debit card transactions.
- Have an average monthly balance of $500.
*Offer ends November 30, 2025. Complete the requirements within 90 days of opening. See below for full Terms & Conditions.
*Terms & Conditions
Accounts must be opened in person at a River Bank & Trust location and are subject to approval.
All personal checking accounts require a $100 minimum opening deposit.
Qualifying accounts include:
- MyRiver Checking
- Vintage Checking
- Student Checking
- Military Checking
Vintage Checking is an interest-bearing account that earns interest based on average monthly balance tiers. The Annual Percentage Yield (APY) and interest tiers are available in your Truth-In-Savings disclosure. Rates may vary. Fees may reduce earnings.
How to Receive the $250 Reward
To qualify for the $250 reward, you must provide a promo code at the time of account opening.
After opening your account, you must complete all of the following within 90 days:
- Set up a qualifying direct deposit totaling at least $500 per month
- Enroll in eStatements
- Complete at least 10 debit card transactions (ATM withdrawals and ACH transactions do not count. An ACH transaction is an electronic payment or money transfer processed through the Automated Clearing House network.)
- Have an average monthly balance of $500 (An average monthly balance is calculated by adding the ending balance for each day of the month, then dividing that total by the number of days in the month.)
What Counts as a Qualifying Direct Deposit
A qualifying direct deposit is defined as a recurring deposit of a paycheck, pension, Social Security, or other regular monthly income electronically deposited by an employer or outside agency.
The following do not qualify: 1) Credit card cash advance transfers; 2) Wire transfers; 3) Person-to-person transfers; 4) Transfers between your own accounts; and 5) Deposits made at a physical River Bank & Trust location or ATM.
When and How the Reward is Paid
If all qualifications and requirements are met, the $250 reward will be credited to your new checking account within 30 days of the end of the 90-day qualification period. The account must be open and have a positive balance when the reward is issued. The reward will appear on your statement as “River Checking Reward.”
Other Important Details
Offer is limited to one per household and is available only to the primary account signer. It is nontransferable, may not be combined with any other offer, and is not available to anyone who currently has a River Bank & Trust personal checking account (either as a primary or joint account holder). The offer expires 11/30/2025.
Tax Information
River Bank & Trust may report the $250 reward to the IRS as interest on Form 1099-INT. You are responsible for any applicable taxes. You are not eligible for this offer if you do not provide a valid U.S. Taxpayer Identification Number (Form W-9), have been notified that you are subject to backup withholding, or are a non-resident alien completing Form W-8.
Disclaimers and Conditions
All information is subject to change without notice. This offer does not amend any existing customer agreement, pricing schedule, or disclosure, which will govern your account. All accounts and services are subject to qualification requirements, credit approval, applicable fees, and other terms and conditions.