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Free Checking Plus

Free Checking That Pays

Checking Rates

Free Checking Plus
View All Checking Rates

As High As 3.00% APY*

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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Enjoy All of the Perks

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

Frequently Asked Questions

No, there is no monthly service fee to use Free Checking Plus.
You will receive 0.05% APY on your entire Free Checking Plus balance and your ATM fees will not be refunded for that month. You’ll still have a great free checking account and a fresh chance to earn your rewards again the next month.
Just complete the monthly requirements; 12 debit card transactions, receive e-statements, and log into online banking. Once these are completed, your refund will be automatically credited to your Free Checking Plus account up to $12 per month.

*APY = Annual Percentage Yield. Rates are subject to change after account opening. Minimum opening deposit is $25.00. 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 monthly requirements: Twelve (12) posted and cleared debit card transactions; Log in to Online Banking; and receive e-Statements. In addition to earning the higher rate, you will receive automatic refunds on ATM fees, up to $12 maximum per month. If account requirements are not met, the rate will be 0.05% APY and ATM fees will not be refunded. Fees may reduce earnings. ** Requirement cycles begin one day before the last day of each month. All requirements must be met with transactions posted and cleared by the close of business on the last day of the requirement cycle. ATM transactions do not count toward the 12 debit card transactions. Interest and ATM refunds will be paid on the last day of the month in which it is earned.

Free Checking Plus

Checking Rates

Free Checking Plus

Free Checking Plus

Monthly Qualifications: