Checking Accounts

Effortless Access. Reliable Security.

Checking accounts are a valuable financial tool in a technology-forward age!

Whether you write paper checks or use mobile banking, a checking account is the base of all your finances. It allows you to deposit paychecks, pay for groceries, get cash through a debit card, and purchase too many boxes of Girl Scout cookies! River Valley's checking accounts are designed to help simplify purchases, grow deposit balances, and keep your money safe and secure.

Our checking accounts feature:

Want to compare River Valley Bank's checking account features? Click here to see our Checking Account Comparison.
Need Checks? Order Your Checks Online
Choose the checking account below that complements your lifestyle.
Click the Open Now button to apply online or call 1-888-842-0221 for personal assistance.

Looking for a business checking account?  Click Here!

Problems balancing your checking account?
Try this very popular checkbook calculator!

Debit Cards

Make your purchases simple with a River Valley debit card. Whether you’re grabbing a quick lunch at the shop down the street or ordering the latest video game online, you can access your personal or business checking account almost anywhere without the hassle of writing a check.
River Valley debit card features:

Cell Phone Protection provides you with supplemental reimbursement for damage or theft of an eligible cell phone when you charge your monthly cell phone bill to your card. Maximum benefit is $200 per claim and $400 per twelve month period.

Purchase Security automatically protects many of the retail purchases you make with your card. This enhancement will replace, repair or reimburse you up to a set dollar maximum in the event of theft or damage to a covered purchase.

Return Protection provides you reimbursement on items you purchase if the retailer will not accept the return.

Roadside Dispatch arranges a reliable tow operator or locksmith for your vehicle. All rates are pre-negotiated and conveniently billed to your card. The program offers the following services:
  • Towing (up to 5 miles)
  • Tire changing (must have good, inflated spare)
  • Jump starts (battery boost)
  • Lockout service
  • Fuel delivery (cost of fuel not included)
  • Winching (within 100 feet of paved or county maintained road)

Travel and emergency services If you encounter an emergency situation away from home you can rest assured that your debit card provides travel and emergency services (TEAS) to assist you. TEAS includes the following services:
  • Pre-trip assistances (health precautions, weather reports, exchange rates, visas, immunizations, etc.)
  • Medical referral assistance (referrals, monitoring, follow-up)
  • Emergency transportation assistance
  • Emergency message service
  • Prescription assistance and valuable document delivery arrangements
  • Legal referral assistance
  • Emergency ticket replacement
  • Lost luggage locator service
  • Emergency translation service

    *For even more information about personal debit card benefits, download our Guide to Benefits

Lost or stolen debit card? Click here.
Find out more about Fraud Center alerts. Click here.

Need to change your PIN or activate your debit card? Call:  800-631-3197;  International: 1-206-682-2462

Mobile Wallet

River Valley Bank supports mobile wallet for Apple Pay, Samsung Pay and Google Pay!
No matter where you are, where you’re headed, or how fast you need to get there … mobile wallet provides the new easy way to pay. Now supporting Apple Pay, Samsung Pay and Google Pay, River Valley empowers you to seamlessly connect debit cards and credit cards with your smartphone.

  • Make up to three withdrawals per day up an aggregate amount of $500 per day at an ATM.
  • Make up to $2,500 in POS (Point of Sale) purchase(s) per day.

FAQs About Your New Smart Chip Card

  • What is a Smart Chip or Chip Card? Your debit card comes with an encrypted microchip embedded in the card. The microchip provides an enhanced layer of security to your transactions.

  • How is the Chip Card More Secure? The embedded microchip provides unique data specific to your card and the transaction being processed. These security features make your new chip card extremely difficult to counterfeit.

  • Why is my card being upgraded to be a chip card? Chip technology already is used in other countries and now is coming to the U.S. Your new chip-enabled card provides an extra level of security and is easier to use.

  • Can I Use My Card for Everyday Transactions or at Non-Chip Terminals?  Yes! Your chip card also will have the usual magnetic strip on the back so you can continue using your card at ATMs and point-of-sale terminals while merchants in the U.S. transition to new terminals.

  • How do I make chip transactions at ATM Machines and Point-of-Sale Terminals? STEP 1: Insert your chip card into the ATM or point-of-sale terminal, following the instructions on the terminal. It is important to leave the card in the terminal until your transaction is complete. If you remove your card too soon, the transaction may stop and your purchase will not be processed. STEP 2: The terminal may prompt you to input your PIN or sign your receipt (paper or electronic) to complete your purchase. STEP 3: When your transaction is complete, remember to remove your card.
When traveling outside of your home state, please contact either your local bank location or call our customer experience specialist at 1-888-842-0221. This will help us better determine legitimate purchases made by you and possible fraudulent activity.

You may encounter foreign transaction fees when you are traveling internationally:

  • International ATM fee: Typically, this is a flat $2 to $5 applied every time you withdraw money in a foreign currency at an ATM abroad. Some financial institutions treat such uses like transactions through out-of-network ATMs within the U.S.
  • Foreign transaction fee: This conversion charge often ranges from 1% to 3% of the amount involved in a debit card transaction conducted in a foreign currency.

River Valley Bank does not reimburse these fees. 


Fraud Monitoring Every transaction is reviewed in real time. Our fraud system has the capability to monitor behavior. If a transaction is out of the cardholder’s spending habits a fraud alert will be sent immediately. 

Fraud Text Alerts If fraud is detected on any debit cards associated with your account, an alert is sent immediately to the primary phone number. If the phone number is a text enabled phone the alert will be a text. If not, they will call the number immediately. If the customer follows the prompts and states it is not fraud they can then try the transaction again right away and it will go through.

Transaction Disputes If the customer notices a transaction that they did not authorize they can contact support to dispute the transaction. Our card department will investigate the transaction with the customer.

Provisional Credit A temporary credit that may be issued within 10 days of the dispute from River Valley Bank into your bank account for the amount you think is in error. This gives you the option to use the money during the extended investigation. Upon completion of the dispute if we decide that there was no error the institution will send you a written explanation and the credit may be removed. Note: the transaction needs to be reported 60 days from the statement date.

Verified by Visa Online transactions are all Verified by Visa. This service provides additional security before the authorization takes place. Verified by Visa ensures the transaction is initiated by the rightful owner of the account. As online fraudulent transactions increase with the point of sale transactions decreasing due to fraud, Verified by Visa will assist with stopping more of these fraudulent transactions.

Visa Checkout Visa Checkout is an easier way to pay and be paid online. Once you are signed up you will need your username and password to speed through the shopping experience. Consumer information is protected by having advanced security technologies to help protect your information with multilayer authentication.

Mobile Wallets River Valley Bank offers all mobile wallets (i.e. Apple Pay, Samsung Pay, and Google Pay) for consumer and business debit cards. Mobile wallet adds an additional layer of security to your transaction at the checkout, both in person and online transactions. When the customer has their River Valley Bank debit card in their mobile wallet, they never give the merchant their card number. When you add your card to the mobile wallet it gives you a specific number (i.e. token, virtual or digital card number) associated to you and your device. The actual card number is never stored on your device through the mobile wallet. Therefore, transactions never use your card number eliminating the chance of it being stolen if the merchant is cyber attacked. The token is unique to your card and your device specifically.

Additional Account Alerts Additional text, email and/or login alerts are available to be set up online to monitor your account as well. These additional alerts include transfer failures, insufficient funds, bill payments, balance updates, etc. Contact your banker today for questions on how to set up these alerts. When you are in online banking select options then alerts to begin setting any or all alerts you would like for your account.

Business Transactions Business owners can see transaction details on their statements and online. Through online banking, owners have the capability to see the last 4 digits of the card number that ran each transaction. This gives the business owner more history to understand how their money is coming in and out of their accounts.

If your card is lost or stolen, please call 24 hours/day, 7 days/week: 1-866-546-8273; International: 1-206-352-4990.
Download the Fraud FAQ PDF
A woman frustrated looking at her laptop.
Read this informative blog article on Payment Fraud from our River Valley Bank VP of Cash Management Solutions.