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2026-07-08 20:01:45
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Start Financial Program

Accounts and Learning for Teens & Young Adults

Get a Head Start on Your Financial Life

Open your first checking, savings, or loan with Rivermark, and we'll help you get off to a great start. Our Start Financial Program offers special accounts, learning, and advice for teens and young adults.

If you’re under 18 years old: We welcome you to open any Start account or loan, as long as a parent or guardian becomes a joint owner on your account. Parents will have access to monitor and help manage their child’s account and transfer funds to them through online and mobile banking.

Start Accounts & Loans

For young adult members new to banking and loans – with special perks, excellent rates, and flexible terms. Check out our offerings!

Access Checking Account
  • Debit card access
  • No inactivity or monthly service fees
  • No overdraft or non-sufficient funds fees
  • Free ATM access at Rivermark and our CO-OP ATM’s1
Account Details

Start Savings Account

  • For members age 14 to 22
  • FREE – no monthly service fee
  • Rivermark pays you 1.00% APY2
    (on balances up to $500)
Account Details

Start Auto Loan

  • Flexible terms for first-time auto buyers
  • Low, fixed interest rates
  • Buy a new or used car up to $25,0003
Account Details

Start Personal Loan

  • Use this loan for whatever you need
  • Flexible terms for members new to loans
  • Loan amounts up to $3,0004
  • Low, fixed interest rates
Account Details

With Us You Can...

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Start smart with the right accounts

Explore checking, savings, and and loan accounts with special perks, excellent rates, and flexible terms.
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Boost your money smarts

After you open any account, we’ll email you short interactive features covering all the basics when it comes to your finances.
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Get smart advice, anytime

Contact a member advisor in a branch, by phone, video, or online chat.
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Bank 24/7 from your mobile device

Access your accounts on the go, when and where you like, with the Rivermark Mobile Banking app.

Connect With Us

1Fees from proprietors of non-Rivermark ATMs still apply.

For Access Checking accounts, if you only qualify for the Access Checking, your account must be open for six (6) months before you can request to convert to another checking account product. Courtesy Pay (Paid Overdraft) and Debit Card Courtesy Pay are not available on this account. Any items presented for payment on this account will be returned unpaid or declined if there are insufficient available funds in the account.

2APY = Annual Percentage Yield. Rates accurate as of July 08, 2026.  Balances of $.01-$500.00 earn 1.00% APY. Balances of $500.01 or more earn 1.00%-0.15% APY. The APY may change after account opening. Start savings assumes a maximum balance of $5,000 when calculating the blended APY rate range. Your APY will decrease as your balance increases.

3Subject to credit approval. Finance up to 100% of MSRP/Kelley Blue Book. Collateral mileage may not exceed 125k. Annual Percentage Rate (APR), loan term, and LTV will be based on credit qualifications, loan amount and collateral.

4Start Personal loans are subject to credit approval.