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All channels (Branches, Phones, Chat) are available and experiencing high volumes. You can now call or chat with us from 8 AM to 8 PM on weekdays and 10 AM to 6 PM on Saturdays. We will assist you as quickly as possible. Thank you for your understanding. [Update: 10AM, 3/8]

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Cash Back Checking

Free Checking That Pays Unlimited Cash Back

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The blue Rivermark debit card.

Cash Back Checking

With our free, unlimited Cash Back Checking account, you spend money, you make money. Just sign up for eStatements. There’s really no other requirement. Cash back is automatically deposited into your account on the first day of the month following the close of the account cycle.* Bank with our free, unlimited Cash Back Checking. It’s easy, super rewarding, and hassle-free.

  • Earn unlimited cash back when you register for eStatements and spend just $3 or more with your debit card
  • Earn $0.10 for every debit purchase you make that's $3 or more
  • Pay no monthly maintenance fee, ever
  • Have no minimum required balance
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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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It’s Easy to Switch With ClickSWITCH

Changing checking accounts can be a time-consuming process switching your automatic payments and deposits to your new account. With ClickSWITCH, we make it easy to move your direct deposit(s) & recurring payments in just a few clicks

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Frequently Asked Questions

  • As a not-for-profit financial cooperative, Rivermark must carefully control operational expenses, so we can return exceptional value to you. This value comes to you as lower- and no-fee services, better savings and loan rates, and – in this case – unlimited cash back. With more members using eStatements, we are able to lower our costs and return more financial value to you!

  • That’s easy! After you open your account, log in to Online Banking via our homepage. After you're logged in, click Accounts. Then click eStatements, and register in seconds! Learn more.

  • You can use your Cash Back Checking account even if you choose to receive paper statements (and it will continue to be a free account). However, you will not earn cash back until you register for eStatements.

  • Cash Back Checking is special because it is not based on a percentage of spend. And yes, it’s truly unlimited! When you spend $3.00 or more with your Cash Back Checking debit card, you earn $0.10 for every debit purchase you make. Cash back is calculated during a monthly cycle.* Debit purchases may be made in store, online, or through Apple Pay, Samsung Pay, or Google Pay. There are NO limits to how much you can earn each month. 

  • You do not need to redeem your cash back. This is an added benefit of the account (other financial institutions often require customers to "redeem" their cash back). The cash back you earn in any particular calendar month (your account cycle) is automatically posted to your Cash Back Checking account on the first day of the following month. You will see a credit on your statement and in online banking. The credit is titled "REVERSE CHARGE RB – DEBIT CASHBACK".

* For Cash Back Checking accounts, to earn cash back you must be enrolled in eStatements. You will earn $0.10 on every qualifying purchase that posts during the account cycle. A qualifying purchase is a purchase of $3.00 or more that is made with the debit card tied to your Cash Back Checking Cecking account, including purchases made with your card through a Digital Wallet supported by Rivermark and purchases made with your debit card online. For the purposes of the Cash Back Checking, the account cycle runs from the first day of the month to the last day of the month. Your cash back will be posted to your Cashback Checking account on the first day of the month following the close of the account cycle. You will not receive any cashback for any purchases posted during the same month you close your Cash Back Checking account.