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Checking Benefit Requirements Min. Debit Purchases
Spender Unlimited cash back on monthly debit purchases over $600 E-statement 6 or $3.95/month fee applies
Saver Higher interest and ATM fee refund up to $25/month* E-statement and direct deposit of $500+/month 12 or lower interest rate
Simple No monthly service charge None None
Senior Unlimited cash back on monthly debit purchases over $600. 1 free box of checks/year. Age 60+ and direct deposit of $500+/month or $3.95/month fee applies None

* Receive 0.75% Annual Percentage Yield (APY) & ATM Fee Refunds up to $25 monthly if requirements are met up to balances of $25,000 (a rate of 0.10% APY applies for any balance above $25,000). If requirements are not met during the statement cycle, a rate of 0.02% APY will apply, and ATM fees will not be refunded. There is no minimum balance required and no monthly service charge. To qualify for 0.75% APY all requirements must be posted to checking account BEFORE the last business day each month.

Debit card purchases must be posted to checking account before the last day of the month.

Whether you're a Spender or Saver,
we have $100 for you!

Open a new River Valley Credit Union checking account with direct deposit and e-statements, and we'll put $100 in it!

$100 deposit will be made into your new River Valley checking account within 30 days of the first direct deposit of $100 or more being made. Current checking account holders do not qualify. Offer expires December 31, 2024.

PayDay Express

PayDay Express

With Direct Deposit and Online Banking, you can access your paycheck sooner!

Click Online Banking below.

Online Banking

In online banking, select the "Member Services" tab at the top of the page and click "ACH Transactions." If there are "Pending Electronic Transactions," you may be able to select "Instant Deposit."

Circle Icon With Wallet

Round-Up Debit Card

Add to your savings every time you swipe.

  • Swipe your debit card
  • Your purchase is rounded up to the nearest dollar
  • The roundup amount goes into your savings

Signup in Online Banking

Click “Debit Card Roundup” under the “Member Services” tab at the top of your screen.

Mobile Access

  • Transfer between accounts
  • Mobile check deposit from anywhere!
  • Set alerts
  • Monitor and improve your credit score
Mobile App Videos

Online Banking

  • Transfer money between accounts
  • Electronic bill pay
  • See e-statements
  • Monitor and improve your credit score
Helpful Videos

Get Started

This form is to receive more information about checking accounts. Additional steps will be needed to actually open an account.

"I Can Literally Bank From Anywhere."

You have access to nearly 30,000 surcharge free ATMs and more than 5,000 branches across the country!

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Routing Number: 2422-7871-3