Personal Checking Services

Personal Checking Services


Interest bearing account designed for individuals 55 and older

  • No minimum balance to open or to be maintained.
  • No monthly fee with one direct deposit per month. ($5 monthly fee without direct deposit)
  • One check order per year at no charge
  • 3x5 Safe Deposit box at no charge and a discount on larger sizes
  • Online banking and bill pay at no charge
  • No monthly fee debit card
  • Mobile banking available
  • River Deposit Anywhere available
  • E-Statements available


Smart Choice Checking

Non-interest bearing account for individual or joint depositors


Interest Checking

Interest bearing checking account for individual or joint depositors


Select Money Market

Interest bearing, limited transaction account

  1. Transaction fee by ATM owner, other than River Community Bank, N.A. may also apply.
  2. Normal approval required.
  3. Transfer/Withdrawals from your account are limited to four per month or statement cycle.