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Loyalty Checking

Earn 4.50% APY on balances up to $25,000

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Earn 4.50% APY* With Loyalty Checking

Loyalty Checking is designed for members who actively use their Rivermark account every month. By doing the things you already do like getting paid, making purchases, and going paperless with e-statements you can earn a competitive dividend rate on your checking balance. It’s a simple way to make your money work harder without giving up flexibility.

Loyalty Rates

  • Loyalty Savings

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    As High As 4.00% APY*

    • Bank Here. Earn More.

    No monthly fees, no complicated hoops, just everyday banking that pays you back.

    • Earn 4.50% APY* on balances up to $25,000
    • No monthly maintenance fees

    Qualifying is easy!

    • $1,000 in monthly deposits to Loyalty Checking**
    • $1,000 or more in debit or credit card purchases each month***
    • Enroll in eStatements

    Regardless of whether you meet the account requirements or not, your Rivermark checking account has no monthly fee! 

    Open New Account Convert My Existing Checking
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    Use Debit OR Credit to Qualify

    Make $1,000 or more in monthly debit OR credit card purchases to earn 4.50% APY on balances up to $25,000 for Loyalty Checking. In addition to eStatements and monthly deposits, you can use your Rivermark debit card, a Rivermark credit card, or a blend of both to meet the requirement.***

    Explore Our Credit Cards Use Debit OR Credit to Qualify Explore Our Credit Cards

    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
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    Overdraft Options

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

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

    Frequently Asked Questions

    • Meet the three monthly requirements and you’ll earn the high Loyalty Checking rate on balances up to $25,000 for that month

      • $1,000 in monthly deposits to Loyalty Checking**
      • $1,000 or more in debit or credit card purchases each month***
      • Enroll in eStatements

    • Your account remains open and you won't be charged a monthly maintenance fee, but it will earn the standard dividend rate for that month. You can start earning the higher Loyalty Checking rate again as soon as you meet the requirements in a future month.

    • No. Loyalty Checking has no monthly maintenance fee, whether or not you meet the requirements.

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

    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.

    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.

    **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.

    ***Small Business Credit Card transactions do not qualify.