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Checking Accounts

A Checking Account For Every Need

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Checking Options

Free Checking Plus

Big banks pay you very little in interest and charge you big monthly fees. With Free Checking Plus, you’ll enjoy a truly free checking account that pays you a generous rate, ATM fee refunds nationwide, and other free extras when you meet the simple monthly requirements*. 

  • Earn 3.00% APY* on balances up to $15,000
  • Enjoy ATM Fee Refunds nationwide (up to $12 per month)
  • No monthly fee or minimum balance requirement
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Opportunity Checking

Opportunity Checking is meant to keep banking simple. Opportunity Checking is a Bank On Certified account and we recognize that to live our mission of “Building Financial Empowerment Together” means providing access to safe and affordable accounts.

  • No overdraft or non-sufficient funds fees
  • No inactivity or monthly service fees
  • Free ATM access at Rivermark and our CO-OP ATM’s**
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Enjoy All of the Perks

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Early Direct Deposit

Get paid up to two days early—free! Enjoy faster access to your money with Rivermark's Early Direct Deposit feature.
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Overdraft Options

Stay protected from overdraft fees with easy-to-set-up options — saving you money and ensuring peace of mind.
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Digital Banking

Access your accounts anytime, anywhere with free online banking — convenience and control at your fingertips.
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Mobile Wallet

Make quick, secure payments using your smartphone. Setting up your Rivermark debit or credit card with Apple Pay, Google Pay, and Samsung Wallet is easy.
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Visa Debit Card

Use your Rivermark debit card like cash anywhere VISA is accepted, available with your Rivermark Checking Account.

  • Make quick, secure payments using your smartphone with Apple Pay & Google Pay
  • Turn your card on/off instantly, wherever you are with Card Control
  • Instant-issue cards are available at our branches

Check out our Switch Kit

Changing checking accounts can be a time-consuming process switching your automatic payments and deposits to your new account. This switch kit is designed to make this process easier for you.

Get the Switch Kit

* To earn the Free Checking Plus rate of 3.00% APY on balances up to and including $15,000, and 0.05% APY on balances over $15,000, you must meet the following requirements each cycle: Twelve (12) posted and cleared debit card transactions; Log in to Online Banking; and receive e-Statements. In addition to earning the APYs above when all requirements are met, you will receive automatic refunds on nationwide ATM access fees, up to $12 maximum. If requirements are not met, you will earn 0.05% APY on your checking balance, and ATM fees are not refunded. If your daily balance is greater than $15,000, your APY Ranges from 1.82% to 3.00% (depending on balance). APY range calculations for Rate Tier 2 assume a minimum balance of $15,000.01 and a maximum balance of $25,000.00. Business accounts are not eligible. The minimum Opening Balance is $25.00. Interest is compounded and credited monthly. All rates are variable and subject to change.

*APY = Annual Percentage Yield.

**Fees from proprietors of non-Rivermark ATMs still apply.

2025 Cycle Requirements
12/30/2024 - 01/29/2025
01/30/2025 - 02/26/2025
02/27/2025 - 03/29/2025
03/30/2025 - 04/28/2025
04/29/2025 - 05/29/2025
05/30/2025 - 06/28/2025
06/29/2025 - 07/29/2025
07/30/2025 - 08/29/2025
08/30/2025 - 09/28/2025
09/29/2025 - 10/29/2025
10/30/2025 - 11/28/2025
11/29/2025 - 12/29/2025