Dream Big

Business Deposit Accounts

business checking account

River Valley is your local business partner helping you grow your business every step of the way.

Whether you run a small business, a non-profit or club, or have a large corporation, River Valley can help make your business banking run smoothly.

Opening a New Business Account is Easy!

Bring the following:

  • Name Registration filed with Ohio Secretary of State
  • EIN letter from the IRS, if not using Personal SSN
  • Identification on all signers

*Additional Accounts are offered and Documents may be requested

Bring the following:

  • Articles of Organization filed with Ohio Secretary of State
  • EIN letter from the IRS, if not using Personal SSN
  • Operating Agreement (not required for sole LLC owners)
  • Identification on all signers

*Additional Accounts are offered and Documents may be requested

Bring the following:

  • Articles of Organization filed with Ohio Secretary of State
  • EIN letter from the IRS
  • Articles of Incorporation, By-laws, Code of Regulations, Charters and/or Constitutions stating who has authority to manage financial deposit accounts
  • Identification on all signers

*Additional Accounts are offered and Documents may be requested

Bring the following:

  • Articles of Organization
  • EIN letter from the IRS
  • Bylaws stating who has authority to manage financial deposit accounts
  • Identification on all signers

*Additional Accounts are offered and Documents may be requested

Bring the following:

  • Name Registration filed with Ohio Secretary of State
  • EIN letter from the IRS
  • Bylaws/Minutes stating who has authority to manage financial deposit accounts
  • Identification on all signers

*Additional Accounts are offered and Documents may be requested

Checking Accounts:

Small Business Checking - Designed for start-up businesses and/or other minimum transaction companies, like landscapers or people with a few rental properties. Best for companies that have fewer than 100 transactions per month.

  • 100 FREE Transactions per Month
  • $0.25 Per Transaction Fee if Over Limit
  • NO Monthly Service Charge
  • FREE Bill Pay, Online Banking, Mobile Banking, Business Mobile Deposit, Debit Card and Overdraft Privilege
  • $50,000 Maximum Cash Deposit Per Month
  • $0.15 per 100 Per Transaction Fee if over $50,000

Business Dividend Checking - Ideal for retailers, restaurants and other companies with higher monthly transactions.

  • 400 FREE Transactions per Month
  • $0.25 Per Transaction Fee if Over Limit
  • $15* Monthly Service Charge
  • $10,000 Average Daily Balance to Avoid Monthly Service Charge
  • $1,000**Minimum Average to Earn Dividend
  • FREE Bill Pay, Online Banking, Mobile Banking, Business Mobile Deposit, Debit Card and Overdraft Privilege
  • $50,000 Maximum Cash Deposit Per Month
  • $0.15 per 100 Per Transaction Fee if over $50,000
*$15 monthly fee waived if average end of day monthly balance is above $10,000

**$1,000 minimum daily balance to earn dividend

Vision Checking - Designed with non-profits in mind. Reduced fees help you keep more money in your charity, so your charity can do more good.

  • 400 FREE Transactions per Month
  • $0.25 Per Transaction Fee if Over Limit
  • NO Monthly Service Charge
  • $1,000**Minimum Average to Earn Dividend
  • FREE Bill Pay, Online Banking, Mobile Banking, Business Mobile Deposit, Debit Card and Overdraft Privilege
  • $50,000 Maximum Cash Deposit Per Month
  • $0.15 per 100 Per Transaction Fee if over $50,000
**$1,000 minimum daily balance to earn dividend

Savings Options Include Cash Management & CDs for Businesses.

Business Deposit Services


Features of Our Checking Accounts
  • No minimum balance
  • Free debit card
  • Free direct deposit
  • Free E-Statements
  • Free mobile banking app
  • Free on-line account access
  • Free ATM usage at select ATMs
  • Overdraft protection

Rates displayed are set at the beginning of each month and are subject to change daily. Penalties may apply for early withdrawal.

Checking Accounts Minimum APY*
Business Dividend & Vision Checking
Tier 1 $1,000 - $25,000 0.15%
Tier 2 $25,001 - $100,000 0.20%
Tier 3 $100,001 + 0.35%

Dividends are compounded monthly on: Cash Management Checking and Certificates. Dividends on all other accounts are compounded quarterly.
*Annual Percentage Yield - Rates subject to change daily.
For additional information call: (937) 859-6260

Savings rates displayed are set at the beginning of each month and are subject to change daily. Penalties may apply for early withdrawal.

Savings Accounts Minimum APY*
Cash Management Checking
Tier 1 $0 0.05%
Tier 2 $2,500 0.20%
Tier 3 $10,000 0.35%
Tier 4 $25,000 0.45%
Tier 5 $50,000 0.60%

Dividends are compounded monthly on: Cash Management Checking and Certificates. Dividends on all other accounts are compounded quarterly.
*Annual Percentage Yield - Rates subject to change daily.
For additional information call: (937) 859-6260

Savings rates displayed are set at the beginning of each month and are subject to change daily. Penalties may apply for early withdrawal.

Savings Accounts Minimum APY*
CDs
6 months $500 1.50%
12 months $1,000 1.75%
24 months $1,000 2.25%
36 months $1,000 2.40%

Dividends are compounded monthly on: Cash Management Checking and Certificates. Dividends on all other accounts are compounded quarterly.
*Annual Percentage Yield - Rates subject to change daily.
For additional information call: (937) 859-6260

Our business products and services allow you to focus on running your business effectively.

Get started by filling out this form or by visiting your nearest branch.

For security reasons, do not provide personal identifying information such as social security number or account numbers on this form.