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The Loyalty Boost

Loyalty Checking + Loyalty Savings

Loyalty Rates

  • Loyalty Checking

    View All Rates

    As High As 4.50% APY*

    • The Loyalty Bundle

    The Loyalty Bundle is for members who make Rivermark their primary financial home. Pair Loyalty Checking for everyday spending and deposits with Loyalty Savings to grow what you set aside. Meet simple monthly requirements to unlock our highest available rates. It’s an easy, connected way to make your money work harder without changing how you bank.

    Why choose the Loyalty Bundle?

    • Earn 4.50% APY* on Loyalty Checking balances up to $25,000 when monthly requirements are met
    • Earn 4.00% APY* on Loyalty Savings balances up to $25,000 when monthly requirements are met
    • No monthly maintenance fees on either account

     

    Open New Account Convert Existing Account

    Bank here. Earn more.

    Loyalty Checking

    Big banks pay you very little in interest and charge you big monthly fees. With Loyalty Checking, you’ll enjoy a truly free checking account that pays one of the area's highest rates*. 

    • 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

     

    Open New Account Account Details

    Loyalty Savings

    Earn a competitive 4.00% APY* 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% APY on balances up to $25,000
    • No monthly maintenance fees

    Qualifying is easy!

    • $1,000 in monthly deposits to checking
    • Enroll in eStatements
    • No gimmicks—just simple, steady earnings
    Open New Account Account Details
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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

    See how the benefits stack up

    Features Loyalty Checking Loyalty Savings
    Maximum APY 4.50% APY* 4.00% APY*
    Balances Up To $25,000 $25,000
    No Monthly Maintenance Fee
    Minimum Opening Deposit $25 $5

    Enjoy All of the Perks

    DirectDepositIcon-50x50

    Early Payday

    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

    • The Loyalty Bundle is our combination of Loyalty Checking and Loyalty Savings products, created to reward members who actively bank with Rivermark.  

      Loyalty Checking is where your money comes in and gets used. Loyalty Savings is where your money grows. When paired, your everyday banking activity helps unlock competitive rates on both accounts, without extra steps.

    • Yes, each account has similar but separate requirements.

      Loyalty Checking: 

      • Monthly requirements:
        • $1,000 or more in deposits to Loyalty Checking**
        • $1,000 or more in debit or credit card purchases***
        • Enrollment in e‑Statements

      Loyalty Savings:

      • Monthly requirements:
        • $1,000 or more in checking deposits**
        • Enrollment in e‑Statements

       

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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.