Education Center


Whether you are managing your personal finances from the comfort of your couch or exploring how employee-owned RiverWood Bank can help meet a need you have, below you will find information on the most commonly asked questions. Please email or call us if you need more information, we are happy to help!

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Frequently Asked Questions

Over the Phone
RiverWood Bank is an employee-owned and operated bank with locations across central and northern Minnesota. Call us toll-free to speak to an employee-owner: 888-751-5120

Face to Face
View all of our RiverWood Bank's locations or choose a specific location below:

  • Bagley
  • Baudette
  • Baxter
  • Bemidji Downtown
  • Bemidji Paul Bunyan Drive
  • Benson
  • Big Lake
  • Crosslake
  • International Falls
  • Monticello
  • Morris
When our employee-owners are not available, you can still manage your money through online banking and mobile banking services or by calling the 24-Hour Bankline: 800-749-9606.
We understand that your Debit/ATM card may be your most frequently used card and we want to fix this issue as soon as possible. As soon as you notice your card missing, please contact us at: 888-751-5120.

After hours, please contact the after hours card support line at: 888-297-3416.
RiverWood Bank will never send you an email asking you to confirm your account number and/or password. If you receive an email asking to confirm this information, do not reply. If you replied to the email and provided personal information, contact us immediately by calling 888-751-5120 or emailing contact@riverwoodbank.com 
RiverWood Bank’s routing number is 291271240. The routing number is also called an ABA number or routing transit number. You can find it in the lower left-hand corner of your checks. Financial institutions use routing numbers in order to send and receive money from other banks or credit unions. Routing numbers are essential in a lot of transactions that RiverWood Bank provides like Bill Pay, check processing (sometimes called electronic checks), and direct deposits.

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Using RiverWood Bank’s Online Banking you are able to use all of these electronic payment methods from your home in a safe and secure environment.

Your account number can be located on the bottom, middle number of your checks. 

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If you have misplaced or forgotten your account number, please contact a Banker at 888-751-5120 or stop in at any of our locations to obtain your full account number.

For security purposes we will not include any account numbers via email.
Yes, you can begin opening an account or applying for a loan at RiverWood Bank anytime, anywhere.

Checking account options include:
  • Free & Easy Checking
  • Convenient Interest Checking
  • Elite 50 Checking
  • Platinum Interest Checking


For more information about our account offerings please refer to our checking page. If you have further questions, stop by a branch or contact us and a Banker will be happy to assist you.

Looking to open a Savings Account with RiverWood Bank as well? We offer competitive rates on CD and Money Market accounts too!

Once you complete the online application a Banker will follow up with you to verify your identification and fund the account.
For our branch locations and hours, visit the location page. Hours vary by branch based on the unique communities we serve.

Did you know that you can access your account 24/7 using online or mobile banking?

With RiverWood Bank you can view your account history, make online transfers, access Bill Pay and Statements...and more! All from the comfort of your own home.

To learn more about the convenience of banking online, please refer to our Online & Mobile Banking page.
Once the bank has placed your initial check order, you may reorder checks online.

Ordering checks online from Harland Clarke is as safe and secure as ordering them in person or over the phone. The site is Verisign secure and TruSecure certified, so your transactions and account information are safe and completely confidential.



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