Personal Checking Accounts

Enjoy personal banking on the go, with flexible options to fit your lifestyle. We’re here to support you in reaching your financial goals with the perfect account. You can download our Switch Kit to make changing your account to RiverWood simple.

Start Opening an Account Talk to a Banker

 

Access your money when you need to, without restrictions.

All of our personal checking accounts include:

  • FREE ATM Transactions at all MoneyPass ATM Locations
  • Unlimited Check Writing Privileges
  • Overdraft Protection (subject to qualification)

Compare Personal Checking Accounts

We offer a variety of personal checking options to fit with your lifestyle and needs. Use our Switch Kit to change to RiverWood Bank with just four simple steps.

Account TypeMinimum BalanceInterest BearingMaintenance FeesPaper Statement Fee
Personal Checking Options
EASY Checking None No None $2.00/mo.,
waived with eStatement enrollment
STUDENT Checking None - must be enrolled in or attending a post-secondary school No None $2.00/mo.,
waived with eStatement enrollment
INTEREST Checking $500 daily ledger balance X $7.50/mo. if minimum balance not maintained $2.00/mo.,
waived with eStatement enrollment
ELITE Checking $5,000 combined deposit balances1 X $10.00/mo. if minimum balance not maintained None
ELITE 50 Checking None - must be 50 years old or better X None None
REWARD Checking $25,000 combined deposit and loan balances2 X $20.00/mo. if minimum balance not maintained None

1 Combined daily ledger balances in checking, savings, and certificates of deposit at RiverWood Bank.

2 Combined daily ledger balances in checking, savings, certificate accounts and/or outstanding balances on personal loans and lines of credit at RiverWood Bank.

Conveniently Apply Online.

Start Opening an Account

Don't Want to Apply Online?

Visit any RiverWood Bank location or call (888)751-5120 to speak with a banker.

Easy Checking

If you need a basic checking account with no strings attached, our Easy Checking is made for you.

  • Non-interest bearing account
  • $100 minimum opening deposit
  • No minimum balance required
  • No monthly maintenance fee
  • $2.00 monthly paper statement fee, waived with eStatement enrollment

Student Checking

Designed for students, our Student Checking is designed for easy transfer between accounts and no minimum balance fees. You must be enrolled in or attending a post-secondary school to qualify.

  • Non-interest bearing account
  • $100 minimum opening deposit
  • No minimum balance required
  • No monthly maintenance fee
  • $2.00 monthly paper statement fee, waived with eStatement enrollment

Additional Benefits

  • Eligible for a no monthly service fee and no minimum balance Statement Savings account

Interest Checking

Start earning money on your account with Interest Checking. This option allows you to generate interest without the withdrawal and transfer restrictions of a standard savings account.

  • Interest bearing account (contact a banker for rates)
  • $100 minimum opening deposit
  • $500 minimum daily ledger balance required
  • $7.50 monthly if minimum balance not maintained
  • $2.00 monthly paper statement fee, waived with eStatement enrollment
  • No monthly limits on withdrawals or transfers

Elite Checking

If you keep a higher balance in your checking account, our Elite Checking helps you earn more interest back each month.

  • Interest bearing account (contact a banker for rates)
  • $100 minimum opening deposit
  • $5,000 combined daily ledger balance required (checking, savings, and certificate accounts)
  • $10.00 monthly if minimum balance not maintained

Additional Benefits

  • FREE RiverWood Bank checks, or a $5 discount on other designs. Limitations may apply.

Elite 50 Checking

For those 50 years or better, our Elite 50 Checking offers more interest back. You may also be eligible to join our RiverWood 50 Plus Club , which includes additional benefits, educational programs and special events.

  • Must be 50 years or older to qualify for this account
  • Interest bearing account (contact a banker for rates)
  • $100 minimum opening deposit
  • No minimum balance required
  • $100 opening deposit minimum
  • No monthly maintenance fee

Additional Benefits

  • FREE RiverWood Bank checks, or a $5 discount on other designs. Limitations may apply.
  • Invitation to RiverWood 50 Plus Club

Learn more ABOUT THE 50 PLUS CLUB

Reward Checking

Earn more money on your account with exclusive access to additional benefits. Our Reward Checking provides a premier banking experience.

  • Interest bearing account (contact a banker for rates)
  • $100 minimum opening deposit
  • $25,000 combined ledger balance required (checking, savings, certificate accounts and/or outstanding balances on personal loans and lines of credit)
  • $20 monthly if minimum balance not maintained

Additional Benefits

  • FREE RiverWood Bank checks or $5 discount on other designs. Limitations may apply.
  • Discount on safe deposit box fee, subject to availability.
  • FREE cashier’s checks.
  • Bonus rates on Money Market Account and new CD accounts.1
  • Interest rate discount on personal and home equity loans/lines.1
  • Closing cost discount on new home equity loans/lines and first mortgage primary residence loan.2

Still Have Questions?

Find FAQs, routing numbers and online banking tutorials in our Education Center.

1Bonus rates and discounts cannot be combined with other special offers. Must open Reward Money Market to obtain Money Market bonus rate. Certificate bonus applies to new certificates of deposit.

2Closing cost discount offer may vary. See banker for details. Cannot be used in combination with other discounts. Loans subject to qualification.

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