Join Us Log In
Join Us Log In

Website Settings

Holiday Closure: Rivermark will be closed on Saturday, July 4th in observance of Independence Day. Access your accounts using our digital banking tools.

2026-07-01 14:44:16
Mature couple embracing each other in a hug in their kitchen while looking our the window.

Checking Accounts

A Checking Account For Every Need

Open Online

Checking Options

Loyalty Checking

Loyalty Checking rewards the everyday banking you're already doing. Meet three simple monthly requirements and earn 4.50% APY1 on balances up to $25,000 with no monthly fees.

  • What you need to qualify:
    • $1,000 in monthly deposits to Loyalty Checking2
    • $1,000 in monthly debit or credit card purchases3
    • Enroll in eStatements
Open Online Account Details

Access Checking

Access Checking is ideal if you’re looking for a free and simple checking account with no overdraft fees, or if you could use some help achieving and maintaining financial wellness.

  • No overdraft or non-sufficient funds fees
  • No inactivity or monthly service fees
  • Bank On Certified means a safe, affordable, inclusive account
  • Free ATM access at Rivermark and our CO-OP ATM’s4
Open Online Account Details

HSA Checking

Pay for today’s medical expenses while saving for tomorrow with HSA Checking. This interest‑bearing, tax‑advantaged account helps individuals and families with high‑deductible health plans make the most of every healthcare dollar.

  • Tax‑advantaged checking for qualified medical expenses5
  • For individuals and families with HDHP coverage
  • Balances roll over year to year; no “use it or lose it”
  • Triple tax advantage: pre‑tax contributions, tax‑deferred growth, tax‑free qualified withdrawals
Open Online Account Details

Bundle with Loyalty Savings

Earn a competitive 4.00% APY6 on your savings while enjoying full access to your money anytime. Loyalty Savings rewards everyday banking with higher earnings on balances up to $25,000.

  • Earn 4.00% APY6 on balances up to $25,000
  • Qualify with $1,000 in monthly deposits to checking2
  • Enroll in eStatements
  • No gimmicks—just simple, steady earnings
Open Online Account Details

Enjoy All of the Perks

DirectDepositIcon-50x50

Early Direct Deposit

Get paid up to two days early—free! Enjoy faster access to your money with Rivermark's Early Direct Deposit feature.
Learn More
OverdraftIcon-50x50

Overdraft Options

Stay protected from overdraft fees with easy-to-set-up options — saving you money and ensuring peace of mind.
Learn More
OnlineBankingIcon-50x50

Digital Banking

Access your accounts anytime, anywhere with free online banking — convenience and control at your fingertips.
Learn More
MobileAppIcon-50x50

Mobile Wallet

Make quick, secure payments using your smartphone. Setting up your Rivermark debit or credit card with Apple Pay, Google Pay, and Samsung Wallet is easy.
Learn More
Teal icon of a check with a pen.

Order Checks With Ease

You can order checks in Online Banking by going to the 'More' menu, selecting 'Cards & Checks,' and clicking on 'Reorder Personal Checks.' If you prefer, you may place an order at one of our branch locations or call 503.626.6600 or 800.452.8502.

Checking Account Options

Features Loyalty Access
Opening Deposit $25.00 $5.00
No Monthly Fee
No Minimum Balance
Early PayDay (Direct Deposit)
Earns Interest -
Overdraft Courtesy Pay
(Fees Apply) 		Overdraft Courtesy Pay is not available on this account.
If sufficient funds are available, overdrafts can be covered
through transfers from linked accounts.
eStatements
Bill Pay
Online & Mobile Banking
Mobile Deposit
Visa Debit Card
Mobile Wallet
Rewards Requirements $1,000 in monthly deposits to Loyalty Checking2
$1,000 or more in debit or credit card purchases each month3
Enroll in eStatements 		-
The blue Rivermark debit card.

Visa Debit Card

Use your Rivermark debit card like cash anywhere Visa is accepted, available with your Rivermark Checking Account.

  • Make quick, secure payments using your smartphone with Apple Pay & Google Pay
  • Turn your card on/off instantly, wherever you are with Card Control
  • Instant-issue cards are available at our branches

It’s Easy to Switch With ClickSWITCH

Changing checking accounts can be a time-consuming process switching your automatic payments and deposits to your new account. With ClickSWITCH, we make it easy to move your direct deposit(s) & recurring payments in just a few clicks

Start Switching

Connect With Us

APY = Annual Percentage Yield.  Rates effective as of July 01, 2026. The disclosed APY assumes a maximum balance of $35,000.

1 Loyalty Checking: $25 minimum deposit to open. Balances of $25,000.01 or more earn 4.50-3.23% APY. As your balance increases, your overall APY will decrease. If you do not meet these requirements your entire Loyalty Checking balance will earn .05% APY. Loyalty Checking is a variable rate account. The rate may change after account opening. Consumer accounts only. Only one Loyalty Checking account per membership.

2 Eligible deposits must post to the account and be available (must not be pending or held) at the end of the cycle. Deposits originated from other Rivermark accounts, overdraft transfers, Rivermark loan proceeds or credit card advances, fee reversals, refunds, deposits returned unpaid, or credit card point redemptions do not qualify.

3 Small Business Credit Card transactions do not qualify.

4Fees from proprietors of non-Rivermark ATMs still apply.

5 Consult a qualified tax professional for more information. Fees may apply and may reduce earnings, please see theFee Schedule. Interest compounded and credited monthly. This is a variable rate account, and the rate may change after account opening without notice. This tax-advantaged checking account can be used to cover current and future medical expenses. An HSA has qualifiers and restrictions to allow tax savings for account contributions, tax-free earnings, and tax-free withdrawals.

6 Loyalty Savings: $5 minimum deposit required to open. Balances of $25,000.01 or more 4.00-2.87% APY. As your balance increases, your overall APY will decrease. If you do not meet these requirements your entire Loyalty Savings balance will earn .05% APY.  This is a variable rate account and may change after account opening without notice. Only one Loyalty Savings account allowed per membership. Consumer memberships only.