Opportunity Checking

At Rivermark, we understand that the banking system can be overwhelming. 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.

Benefits and Features

No overdraft transfer fees
No non-sufficient funds fees
No inactivity fees
No monthly service fees
Debit card access
Free ATM access at Rivermark and our CO-OP ATM’s*
Online Banking access
Accounts federally insured up to $250,000 by NCUA

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

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Online Course: CheckRight

A checking account is one of those financial tools that make a big impact on your overall financial health and wellness. To improve confidence and attitudes around healthy checking account practices, this learning tool sets you up for success.

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What’s the difference between Opportunity Checking and Rivermark’s Free Checking Plus?

The Opportunity Checking is a checking account focused on access to financial services without the fear of excessive fees or transaction requirements. Some features of the account include:

No overdraft transfer fees
No non-sufficient funds (NSF) fees- account is not eligible for services that allow overdrafts*
No monthly transaction, e-statement, or online banking login requirements

*Account is not eligible for Courtesy Pay or Debit Card Courtest Pay and generally, items for which the account does not have funds will be returned unpaid. Third party fees due to returned items may apply. Under certain circumstances the account may become overdrawn; if this occurs, no non-sufficient funds fees will be charged.

Who should open an Opportunity Checking?

The Opportunity Checking is perfect for those who are new to banking or have had challenging relationships with financial institutions in the past. (Eligibility requirements apply)

What if I want to switch from an Opportunity Checking to a Free Checking Plus?

You are eligible to switch accounts after 12 months of positive account usage. If you’d like to switch accounts to take advantage of the Free Checking Plus rewards, simply contact Rivermark and we can assist in that process.

CERTIFIED FINANCIAL COACHES

With over 50 FiCEP-certified financial coaches – including bilingual coaches - Rivermark can meet our members where they are on their financial journey.

Coaches are certified through CUNA’s Financial Counseling Certification Program (FiCEP). Learn more.

Our coaches are available by appointment at a local branch or remotely.

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