Personal Checking
Personal Checking Options
| Account Name |
Monthly Maintenance Fee |
Minimum Balance |
Interest Bearing |
Free Checks |
Additional Features |
|---|---|---|---|---|---|
| Free and Easy Checking |
None | None | No | No | Learn More |
| NOW Checking |
$7.50, waived with minimum balance |
$500.00 | Yes See Rates |
No | Learn More |
| Elite Checking |
$10.00, waived with minimum balance |
$5,000.00 combined deposit balances |
Yes See Rates |
Yes | Learn More |
| Elite 50 Checking |
None | None, must be 50+ years old |
Yes See Rates |
Yes | Learn More |
| Reward Checking |
$20.00, waived with minimum balance |
$25,000.00 combined deposit and loan balances |
Yes See Rates |
Yes | Learn More |
All RiverWood checking accounts include:
|
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Free and Easy Checking
A simple and convenient way to manage your money.
- $100.00 minimum opening deposit.
- No monthly service fee and no minimum balance required.
- Non-interest bearing account.
- Unlimited check writing privileges.
- FREE check safekeeping.
- FREE Instant Cash and Check Card (subject to qualification).
- FREE ATM transactions at RiverWood and many Instant Cash locations.
- FREE Online Banking.
- Optional Online Bill Pay (fees apply).
- Optional Overdraft Protection (subject to qualification).
Now Checking
An interest bearing account designed for customers who maintain higher balances.
- $100.00 minimum opening deposit.
- $7.50 monthly service fee. Fee waived with $500.00 minimum daily ledger balance.
- Interest bearing account. See Rates.
- Unlimited check writing privileges.
- FREE check safekeeping.
- FREE Instant Cash and Check Card (subject to qualification).
- FREE ATM transactions at RiverWood and many Instant Cash locations.
- FREE Online Banking.
- FREE Online Bill Pay.
- Optional Overdraft Protection (subject to qualification).
Elite Checking
An interest bearing account with complimentary checks.
- $100.00 minimum opening deposit.
- $10.00 monthly service fee. Fee waived with $5,000.00 combined daily ledger balances in checking, savings, and certificates of deposit.
- Interest bearing account. See Rates.
- FREE RiverWoodchecks, or a $5.00 discount on other designs.
- Unlimited check writing privileges.
- FREE check safekeeping.
- FREE Instant Cash and Check Card (subject to qualification).
- FREE ATM transactions at RiverWood and many Instant Cash locations.
- FREE Online Banking.
- FREE Online Bill Pay.
- Optional Overdraft Protection (subject to qualification).
Elite 50 Checking
An account designed for customers age 50 or older.
- Must be 50 years or older to qualify for this account.
- $100.00 minimum opening deposit.
- No monthly service fee and no minimum balance required.
- Interest bearing account. See Rates.
- FREE RiverWood checks, or a $5.00 discount on other designs.
- Unlimited check writing privileges.
- FREE check safekeeping.
- FREE Instant Cash and Check Card (subject to qualification).
- FREE ATM transactions at RiverWood and many Instant Cash locations.
- FREE Online Banking.
- FREE Online Bill Pay.
- Optional Overdraft Protection (subject to qualification).
Reward Checking
Our premier checking account gives you additional benefits and discounts based
on your overall deposit and loan account relationship with us.
- $100.00 minimum opening deposit.
- $20.00 monthly service fee. Fee waived with a $25,000.00 combined ledger balance in checking, savings, certificate accounts and/or outstanding balances on personal loans and lines of credit.1
- Interest bearing account. See Rates.
- FREE RiverWood checks or $5.00 discount on other designs.
- FREE cashier’s checks, personal money orders, and traveler’s checks.
- Qualify for Reward Money Market, which includes bonus interest rates.
- Bonus rates on Consumer Certificate of Deposit accounts.2
- Interest rate discount on personal and home equity loans/lines.3
- Discount on closing costs on new home equity loans/lines.4
- Discount on closing costs for a first mortgage primary residence loan.5
- Discount on safe deposit box fee. Free small box or $10.00 discount, subject to availability.
- Unlimited check writing privileges.
- FREE check safekeeping.
- FREE Instant Cash and Check Card (subject to qualification).
- FREE ATM transactions at RiverWood and many Instant Cash locations.
- FREE Online Banking.
- FREE Online Bill Pay.
- Optional Overdraft Protection (subject to qualification).
1Combined balances are dollar totals of all accounts of all members of a household.
The term “household” refers to all persons occupying an individual housing unit, whether a single person or two or more unrelated persons.
2Bonus rate cannot be combined with other bonuses or specials. See banker for details.
3Interest rate discount cannot be combined with other discounts or specials. See banker for details.
4Closing cost discount offer may vary. See banker for details. Refinance of existing RiverWood home equity loans/lines excluded. Loans are subject to qualification.
5Closing cost discount offer may vary. See banker for details. Reward discount on closing cost for a first mortgage loan cannot be used in combination with other discounts.
Loans are subject to qualification.
