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Personal Checking

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
Money Market $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

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.