Welcome to Better Checking

Rates and services may vary and are subject to change. Membership required; eligibility restrictions apply. APY= Annual Percentage Yield.

¹For Rewards Checking Accounts, rates are subject to change after account opening. Balances of $0.01-$10,000 will earn 3.00% APY, $10,000.01-$25,000 will earn 3.00% to 1.50% APY, $25,000.01 or more will earn 1.50% to 1.10% APY. To earn the Rewards Checking qualified interest APYs associated with each tier and to receive up to $25 of ATM fees and surcharges incurred within the United States refunded, you must meet the following requirements each cycle, which begins one day before the last day of the month: at least 12 debit card transactions posted (not pending or in pre-authorized status) and receive e-Statements. ATM transactions do not count toward the 12 debit transactions. International ATM fees are not eligible for ATM fee refund. Interest and ATM refunds will be paid on the last day of the month in which it is earned. If account requirements are not met, the rate will be 0.05% APY for the entire balance of the account and ATM fees will not be refunded. The blended APY rate range assumes a maximum balance of $35,000. Your APY will decrease as your balance increases. The minimum opening deposit is $25.

²For Cash Back Checking accounts, to earn cash back you must be enrolled in eStatements. You will earn $0.10 on every qualifying purchase that posts during the account cycle. A qualifying purchase is a purchase of $3.00 or more that is made with the debit card tied to your Cash Back Checking account, including purchases made with your card through a Digital Wallet supported by Rivermark and purchases made with your debit card online. For the purposes of the Cash Back Checking, the account cycle runs from the first day of the month to the last day of the month. Your cash back will be posted to your Cashback Checking account on the first day of the month following the close of the account cycle. You will not receive any cashback for any purchases posted during the same month you close your Cash Back Checking account. The minimum opening deposit is $25.

³For Access Checking accounts, if you only qualify for the Access Checking, your account must be open for six (6) months before you can request to convert to another checking account product. Courtesy Pay (Paid Overdraft) and Debit Card Courtesy Pay are not available on this account. Any items presented for payment on this account will be returned unpaid or declined if there are insufficient available funds in the account. Access Checking: The minimum opening deposit is $5.