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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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Rewards Checking

Free Checking That Pays

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Checking Rates

Rewards Checking

Big banks pay you very little in interest and charge you big monthly fees. With Rewards Checking, 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 $0.01 to $10,000
  • Enjoy ATM Fee Refunds nationwide (up to $25 per month)
  • No monthly service fee or minimum balance requirement
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Monthly Qualifications:

How to earn our best checking rate and ATM fee refunds with Rewards Checking:

  • Make 12 debit card transactions per month**
  • Receive e-Statements

Regardless of whether you meet the account requirements or not, your Rivermark checking account has no monthly fee!

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

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

Start Switching

Frequently Asked Questions

  • No, there is no monthly service fee to use Rewards Checking.

  • You will receive 0.05% APY on your entire Rewards Checking 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 and receive e-statements. Once these are completed, your refund will be automatically credited to your Rewards Checking account up to $25 per month.

* Rates are subject to change after account opening. Balances of $0.01-$10,000 will earn 3.00% APY, $10,000.01-$25,000 will earn 3.00% to 1.50% APY, $25,000.01 or more will earn 1.50% to 1.10% APY. To earn the Rewards Checking qualified interest APYs associated with each tier and to receive up to $25 of ATM fees and surcharges incurred within the United States refunded, you must meet the following requirements each cycle, which begins one day before the last day of the month: at least 12 debit card transactions posted (not pending or in pre-authorized status) and receive e-Statements. ATM transactions do not count toward the 12 debit transactions. International ATM fees are not eligible for ATM fee refund. Interest and ATM refunds will be paid on the last day of the month in which it is earned. If account requirements are not met, the rate will be 0.05% APY for the entire balance of the account and ATM fees will not be refunded. The blended APY rate range assumes a maximum balance of $35,000. Your APY will decrease as your balance increases.

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