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Free Checking Plus

Free Checking Plus with Interest in the Portland Area

  • Earn 1.50% APY* on balances up to $15,000
  • Enjoy ATM fee refunds nationwide (up to $12 per month)
  • No monthly fee or minimum balance requirement
  • FREE mobile banking app with mobile deposit for iPhone, iPad and Android
  • Everyone who lives or works in the 11 counties we serve are eligible for membership
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At Rivermark, our checking accounts are always free. As a bonus, if you meet three simple monthly requirements you’ll earn one of the highest checking account rates in Oregon, plus receive ATM fee refunds nationwide.

How to earn our best rate and ATM fee refunds:

  • Make 12 debit card transactions per month**
  • Sign up for e-Statements
  • Access Online Banking at least once per month**

Regardless of whether you meet the account requirements or not, your Rivermark checking account is FREE!

Free Online and Mobile Banking

Our cutting-edge mobile banking capabilities allow you to check balances, transfer funds, pay bills – even deposit a check! With our free online and mobile banking, you have a Rivermark branch with you 24/7, whether you’re at home or on the go.

Overdraft Protection

Mistakes happen. That’s why Rivermark offers easy-to-set-up overdraft protection options to provide a safety net for the occasional bounced check or declined debit card transaction.

Direct Deposit

Why waste time standing in line? With direct deposit, your money is ready to access first thing on payday. This free service will save you time and provide you with peace of mind knowing that your money is safely deposited – even if you’re sick or on vacation.  

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 *APY = Annual Percentage Yield. Rates effective 2/1/18 are subject to change after account opening. Minimum opening deposit is $25.00. To earn the Free Checking Plus rate of 1.50% APY on balances up to and including $15,000, and 0.05% APY on balances more than $15,000, you must meet the following monthly requirements: Twelve (12) debit card transactions; Log in to Online Banking; and receive e-Statements. In addition to earning the higher rate, you will receive automatic refunds on ATM fees, up to $12 maximum per month. If account requirements are not met, the rate will be 0.10% APY and ATM fees will not be refunded. Fees may reduce earnings. ** Requirement cycles begin one day before the last day of each month. All requirements must be met by the close of business on the last day of the requirement cycle. ATM transactions do not count toward the 12 debit card transactions. Interest and ATM refunds will be paid on the last day of the month in which it is earned.

What Rivermark Members are Saying

"This is by far the best checking account I've ever opened. Rivermark has helped me turn my financial life around and free checking was a huge help!"

- Rebecca
5 Stars
5 out of 5

"I came from a national bank. Ughh. $12 a month in fees. Rivermark grew my tiny nest egg from my checking account with no fees. I like the awesome friendly service at the branch and automatic live teller. The app on my phone is easy too!"

- Laurie
5 Stars
5 out of 5