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Personal Checking

Beat The Banker
Personal checking account

The Right Checking for You

River Valley has four great checking accounts. Get unlimited cash back, interest every month or a free no-frills account based on your lifestyle!

Are you a spender? Spender Checking is the option for you.

  • Sign up for Free E-statements
  • 6 debit card purchases monthly minimum †
  • No monthly checking fee if qualifications above are met
  • Earn unlimited cash back on monthly debit card transactions over $600 with Card Activity Rewards**

Are you a saver? Saver Checking High-Interest Checking is for you.

  • Sign up for Free E-statements
  • $500 direct deposits monthly minimum †
  • 12 debit card purchases monthly minimum †
  • Earn monthly interest plus receive ATM fee refunds up to $25 monthly if qualifications above are met
  • Never a monthly checking fee

Are you over 60? We have an account just for you.

  • Must be age 60 or up
  • $500 direct deposits monthly minimum †
  • No monthly checking fee if qualifications above are met
  • Receive unlimited cash back on monthly debit card transactions over $600 with Card Activity Rewards**

E-Checking is easy because it is electronic. A free, no frills, no surprises option.

  • No minimum balance

Features of Our Checking Accounts

  • No minimum balance
  • Free debit card
  • Optional Debit Card Roundup
  • Free direct deposit
  • Free mobile banking app
  • Sign up for Free E-statements
  • Free Online bill pay***
  • Free ATM usage at select branches
  • Overdraft protection

Dividends are compounded monthly on Interest Yielding Checking Accounts.

Checking Accounts Minimum Rate APY*
Saver & Saver Plus $25 to open
Tier 1 $0.00 - $25,000 1.98% 2.00%**
Tier 2 Above $25,000 0.25% 0.25%**
  Qualifications not met 0.05% 0.05%
Senior (60+) $25 to open N/A N/A
Simple (e-Checking) $25 to open N/A N/A
Spender (My Choice) $25 to open N/A N/A
Cash Management Checking $25 to open
Tier 1 $0 - $2,499 0.05% 0.05%
Tier 2 $2,500 - $9,999 0.50% 0.50%
Tier 3 $10,000 - $24,999 0.65% 0.65%
Tier 4 $25,000 - $49,999 0.80% 0.80%
Tier 5 $50,000 + 1.00% 1.00%
Health Savings Account with Checking (HSA)
Tier 1 $0 - $499 0.05% 0.05%
Tier 2 $500 + 0.10% 0.10%

Mastercard Debit Guide to Benefits

Print Your Coupon Here

$100 deposit will be made into your new River Valley checking account within 30 days of the first direct deposit of $100 or more being made. Direct deposit must be made within 60 days of River Valley checking account opening. Must provide proof of bank account closing or complete River Valley switch form. Current checking account holders do not qualify. $100 promotion may be modified or cancelled at any time without notice. * $550 savings based on the average monthly interest and ATM fee refunds for qualifying Saver Checking accounts. Offer expires 10/31/19.
Checking Account Disclosure

* Receive 1.98% Annual Percentage Yield (APY) & ATM Fee Refunds up to $25 monthly if requirements are met up to balances of $25,000 (a rate of 0.25% APY applies for any balance above $25,000). If requirements are not met during the statement cycle, a rate of 0.05% APY will apply & ATM fees will not be refunded. There is no minimum balance required & no monthly service charge. To qualify for 1.98% APY all requirements must be posted to checking account BEFORE the last business day each month.

** Card Activity Rewards is not available on Saver Checking or Simple Checking accounts.

*** One payment each month is required to avoid the $7.95 per month charge.

 Must be posted to checking account before the last business day of the month.

Start enjoying the benefits of a River Valley Checking Account

Get started by filling out this form or by visiting your nearest branch.