Open an Account

Open an Account


Account Opening
Online Banking
Contact us


Does offer trust or custodial accounts?
At this time, our online application does not offer these accounts.  If you need to open a trust or custodial account, please see your local bank.

What is the routing and transit number for
The routing and transit number is 075911742.

Can I wire funds into my account?
Yes, please contact our Customer Support Center at 888.842.0221 for wiring instructions. Wires can be submitted from 8:00 am cst until 2:00 pm cst.

Account Opening

How do I open an account on
Click the “Open An Account” button at the top of this page and follow the instructions to complete your online account application.

Do you pull a credit bureau report during the account opening approval process?
Yes, we gather information about you from a "soft hit" credit report.

Is a credit bureau report pulled every time I open a new account?
No, if you open another River Valley account in the 30 days immediately following your original account opening, a new credit bureau report will not be pulled.

My account application decision was "Referred". What is the next step?
River Valley will contact you regarding your online application advising you what requirements are needed to complete the online account process.

How does verify my initial deposit?
On initial set up River Valley will make 2 small deposits into and 2 withdrawals from your external account. In 2-3 days, contact your external account provider to find out the exact deposit amounts. Return to the application and enter the deposit and withdrawal amounts and your account will be enabled.

Online Banking

What if I forgot my password?
Click on Account Login, under Online Banking on the River Valley Bank website. Enter your 24-Hour Internet Banker ID, click "Forgot your password" and follow the steps to have your password reset. If you need further assistance, call River Valley Customer Support during regular business hours.

Who is responsible when individuals other than me make transactions from my accounts using Online Banking?
You are responsible for all transactions you authorize using Online Banking. If you permit other people to use your 24 Hour Internet Banking ID and password to access your River Valley account, you are responsible for any resulting transactions. We will not be liable for, and will not reimburse you for, any losses that may occur as a result of this authorized use of your 24 Hour Internet Banking ID and password. You are responsible for keeping your 24 Hour Internet Banking ID and password confidential.

Can I view my history and all of my transactions at any time?
Yes, with Online Banking you have access to your account information 24 hours a day, 7 days a week!


Is Online Banking system secure?
Our Online Banking system is secure. In fact, our Online Banking customers are required to use a web browser with one of the highest forms of encryption available for today's popular browsers. This means that information passing from your computer to our server is scrambled, making it virtually impossible for anyone to access your account information. Our Online Banking system uses Multifactor Authentication, which protects against phishing, pharming and dictionary attacks, as well as keystroke logger viruses. This system protects against online fraud by providing an additional end user authentication factor beyond the 24 Hour Internet Banking ID and password logons. Multifactor Authentication works by recognizing the computer terminal that you use most frequently. Our system will recognize if you are not using that computer and may ask you to answer a series of security questions that you had set up when you initially signed up for the Online Banking System.

Why does the system "time out" occasionally?
For your protection, automatically disconnects after 10 minutes of inactivity.

Can I access from any computer?
You can access your River Valley accounts anywhere you have internet access and a 128-bit browser. In order to view your accounts you may be required to answer a series of security questions that you had set up when you initially signed up for Online Banking.

As a River Valley customer, how can I ensure that my identity is protected?
Phishing is an internet criminal activity which attempts to fraudulently acquire sensitive information, such as usernames, passwords, and credit card details. Phishing is typically carried out by email, often directing users to give personal and confidential information at a legitimate looking website. Different approaches include reasons such as but not limited to:

  • "We're updating our records"
  • "We've identified fraudulent activity on your account"
  • "Valuable account and personal information was lost due to a computer error"

Never provide personal identifying information in response to an unsolicited request. River Valley will never ask or solicit you for any information pertaining to your passwords or debit/credit card(s). If you suspect that you have been the victim of fraudulent internet activity, contact River Valley at, and call 1-877-IDTHEFT immediately.


What is an e-Statement?
e-Statements are your monthly checking account statements received electronically. They are official documents, just like a paper statement, so you can use them for record keeping, tax purposes, etc. You will receive a monthly statement notification electronically when your e-Statement is available.

How do I access my e-Statements?
You can access your e-statements within your Online Banking session. As an e-Statement client, you will also receive emails when your monthly e-Statement is available. Click the link embedded in the email and enter your 24 Hour Internet Banking ID and password to retrieve your statement.

What are my e-Statement access requirements?
Your personal computer must meet the following software requirements for access to and retention of your e-Statements and/or e-Notices. Adobe Acrobat Reader® version 6.0 or higher is required to open and view your electronic statement(s)/notice(s)*. To download the latest version of Adobe Acrobat Reader®, click here. We also recommend that you use the latest browser version available that supports 128 bit SSL encryption.

How do I reset my email and email delivery options?
You can reset your email address and e-Statement notification through your Online Banking service by clicking the e-Statements tab and navigating to the e-mail option.

How often will I receive an e-Statement on my River Valley checking account?


How do I make deposits and withdrawals into my accounts?
In order to move money into, you can wire the money in, you could mail in a check to River Valley, PO Box 1182, Wausau WI 54402-1182, you could originate a transfer from an external financial institution to, or you can simply go to your nearest River Valley Bank location and make a deposit or withdrawal.  Click here for our locations.

What is the latest time I can schedule a transfer for the current day?
5:00 p.m. Central Standard Time (CST).

Are there funds transfer limits on my online account?
Yes, allows a maximum of $10,000 ACH transferred out per day and a maximum of $50,000 ACH in per day.

When are deposits available for withdrawal?
Funds from any deposits (cash or checks) made at automated teller machines we do not own or operate will not be available until the fifth business day after the day of your deposit.
Electronic direct deposits will be available on the day we receive the deposit. Once the funds are available, you can withdraw them in cash and we will use the funds to pay checks written against your account.
After we have made funds available to you, you are still responsible for checks you deposit that are returned unpaid, and for any other problems involving your deposit, even if you have withdrawn the funds.

Can I set up direct deposit to my account?
Yes, the two required items to set up a direct deposit are River Valley routing number (075911742), and your River Valley account number. This is a simple and easy way to actively control your money and watch your money grow.

Contact us
  • Toll free: 1.888.842.0221
  • Wausau, WI area: 715.849.2535

If you have a question regarding your banking at River Valley Bank, our Customer Support Center can help. Just call our toll free number and our Customer Support Center will either provide the answer or get you to the right person who can help you.
Customer Support hours

  • Monday - Friday: 7:30 AM - 6:00 PM Central Standard Time
  • Saturday: 7:30 AM - 12:00 PM Central Standard Time