Join Us Log In
Join Us Log In

Website Settings

Merger Update: Our branches, contact center, and digital banking are closed today for merger related system integration. Cards will continue to function as usual. We are working diligently to reopen for business on Tuesday at 9 AM as planned. [Updated: 3/3/25 at 8 AM] Details
Teenager writing and looking at a laptop.

Start Checking

Smart Banking For Teens and Young Adults

The blue Rivermark debit card.

Your First Checking Account

Open your first checking account with Rivermark. We’ll help you get off to a great start. It’s part of our Start Financial Program which offers special accounts, learning, and advice for teens and young adults.

Start Checking Features:

  • For members age 14 to 22
  • FREE – no monthly service fee
  • Pays you unlimited cash back on debit card purchases of $3.00 or more!*
  • No long list of requirements – just sign up for eStatements
  • Free online banking and mobile app means this account moves with you

If you’re under 18 years old: We welcome you to open a Start Checking account, as long as a parent or guardian becomes a joint owner on your account. Parents will have access to monitor and help manage their child’s account and transfer funds to them through online and mobile banking.

Enjoy All of the Perks

Teal icon of cash and a credit card.

Earn (Truly) Unlimited CashBack

Every time you spend $3.00 or more with your Cashback debit card, you’ll earn $0.10. No caps. No limits.
Teal icon of a document coming out of a cell phone.

No Complicated Requirements

Just sign up to receive your monthly statements by email and you qualify to earn cash back.
DirectDepositIcon-50x50

Early Direct Deposit

Get paid up to two days early—free! Enjoy faster access to your money with Rivermark's Early Direct Deposit feature.
Learn More
OnlineBankingIcon-50x50

Bank Anywhere, Anytime

Access your accounts anytime, anywhere with free digital banking — convenience and control at your fingertips.
Learn More
MobileAppIcon-50x50

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.
Learn More
OverdraftIcon-50x50

Overdraft Options

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

Boost your money smarts with free online learning

Your Start Checking Account comes with access to our free, online Financial Education Center where you can learn the basics when it comes to your finances. Check out a sample of the modules below.

It’s Easy to Open a Start Checking Account!

Are you 18 years old (or older)?

You have several options to open a new Start Checking account:

Are you under 18 years old?

Great! We’re so happy you’re getting a head start on your financial life. Because a parent or guardian must be a joint owner on your Start Checking account, please:

For additional information
  • Send us a secure email inside Online Banking.
  • Call us at 503-626-6600, Mon – Fri, 8am – 6pm.

* For Start 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 Start Checking 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 Start Checking accounts, 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 Start 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 Start Checking account. For Start Checking accounts, on the first day of the month following your 23rd birthday, your account will convert to a Cash Back Checking account.