Dream Big

Business Deposit Accounts

business checking account

River Valley is your local business partner helping you grow your business every step of the way.

Whether you run a small business, a non-profit or club, or have a large corporation, River Valley can help make your business banking run smoothly.

Opening a New Business Account is Easy!

Bring the following:


*Additional Accounts are offered and Documents may be requested

Bring the following:

  • Articles of Organization filed online with Ohio Secretary of State (Form 533A)
  • Employer Identification Number letter from the IRS, and/or Federal Tax Return; if not using Personal SSN
  • Operating Agreement (not required for Sole Member LLC's)
  • Valid identification on all signers

*Additional Accounts are offered and Documents may be requested

Bring the following:

  • Articles of Incorporation filed online with Ohio Secretary of State (Form 532A)
  • Employer Identification Number letter from the IRS and/or Federal Tax Return; if not using personal SSN
  • Articles of Incorporation, By-laws, Code of Regulations, Charters and/or Constitutions (stating who has authority to manage financial deposit accounts)
  • Valid identification on all signers

*Additional Accounts are offered and Documents may be requested

Bring the following:

  • Articles of Incorporation filed online with Ohio Secretary of State (Form 532B)
  • Employer Identification Number letter from the IRS; Federal Tax Return and/or W-9 form from the IRS
  • Minutes, Corporate Resolution, and/or By-Laws signed by Board of Directors/Trustees; Charters or Constitutions (stating who has authority to manage financial deposit accounts)
  • Valid identification on all signers

*Additional Accounts are offered and Documents may be requested

Checking Account Options

Small Business Checking - Designed for start-up businesses and/or other minimum transaction companies, like landscapers or people with a few rental properties. Best for companies that have fewer than 100 transactions per month.

  • 100 FREE Transactions per Month
  • $0.25 Per Transaction if Over Limit
  • NO Monthly Service Charge
  • FREE Bill Pay, Online Banking, Mobile Banking, Business Mobile Deposit, Debit Card and Overdraft Privilege
  • $50,000 Maximum Cash Deposit Per Month
  • $0.15 per $100 Per Transaction if over $50,000

Business Dividend Checking - Ideal for retailers, restaurants and other companies with higher monthly transactions.

  • 400 FREE Transactions per Month
  • $0.25 Per Transaction if Over Limit
  • $15* Monthly Service Charge
  • $10,000 Average Daily Balance to Avoid Monthly Service Charge
  • $1,000**Minimum Average to Earn Dividend
  • FREE Bill Pay, Online Banking, Mobile Banking, Business Mobile Deposit, Debit Card and Overdraft Privilege
  • $50,000 Maximum Cash Deposit Per Month
  • $0.15 per $100 Per Transaction if over $50,000
*$15 monthly fee waived if average end of day monthly balance is above $10,000

**$1,000 minimum daily balance to earn dividend

Vision Checking - Designed with non-profits in mind. Reduced fees help you keep more money in your charity, so your charity can do more good.

  • 400 FREE Transactions per Month
  • $0.25 Per Transaction if Over Limit
  • NO Monthly Service Charge
  • $1,000**Minimum Average to Earn Dividend
  • FREE Bill Pay, Online Banking, Mobile Banking, Business Mobile Deposit, Debit Card and Overdraft Privilege
  • $50,000 Maximum Cash Deposit Per Month
  • $0.15 per $100 Per Transaction if over $50,000
**$1,000 minimum daily balance to earn dividend

Savings Options Include Cash Management & CDs for Businesses.

Business Deposit Services


Features of Our Checking Accounts
  • No minimum balance
  • Free debit card
  • Free direct deposit
  • Free E-Statements
  • Free mobile banking app
  • Free on-line account access
  • Free ATM usage at select ATMs
  • Overdraft protection

Rates displayed are set at the beginning of each month and are subject to change daily. Penalties may apply for early withdrawal.

Checking Accounts Minimum APY*
Business Dividend & Vision Checking
Tier 1 $1,000 - $25,000 0.15%
Tier 2 $25,001 - $100,000 0.20%
Tier 3 $100,001 + 0.35%

Dividends are compounded monthly on: Cash Management Checking and Certificates. Dividends on all other accounts are compounded quarterly.
*Annual Percentage Yield - Rates subject to change daily.
For additional information call: (937) 859-6260

Savings rates displayed are set at the beginning of each month and are subject to change daily. Penalties may apply for early withdrawal.

Savings Accounts Minimum APY*
Cash Management Checking
Tier 1 $0 0.05%
Tier 2 $2,500 0.30%
Tier 3 $10,000 0.45%
Tier 4 $25,000 0.55%
Tier 5 $50,000 0.70%

Dividends are compounded monthly on: Cash Management Checking and Certificates. Dividends on all other accounts are compounded quarterly.
*Annual Percentage Yield - Rates subject to change daily.
For additional information call: (937) 859-6260

Savings rates displayed are set at the beginning of each month and are subject to change daily. Penalties may apply for early withdrawal.

Savings Accounts Minimum APY*
CDs
6 months $500 1.65%
12 months $1,000 1.90%
24 months $1,000 2.40%
36 months $1,000 2.55%

Dividends are compounded monthly on: Cash Management Checking and Certificates. Dividends on all other accounts are compounded quarterly.
*Annual Percentage Yield - Rates subject to change daily.
For additional information call: (937) 859-6260