*APY = Annual Percentage Yield.
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.
** For 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 Cecking 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.
***Fees from proprietors of non-Rivermark ATMs still apply.
**** For Start 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 Start 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 Start Checking accounts, 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 Start 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 Start Checking account. For Start Checking accounts, on the first day of the month following your 23rd birthday, your account will convert to a Cash Back Checking account.
Rewards Checking, Cash Back Checking, and Start Checking: The minimum opening deposit is $25. Access Checking: The minimum opening deposit is $5.
HSA Checking: Fees may apply and may reduce earnings, please see the Fee Schedule.
