We offer flexible account options tailored to your needs, no matter what size business you own.

Take a look at the checking and savings accounts available.

Business Checking Accounts

Checking Account TypeSmall Business Checking AccountBusiness Checking AccountCommercial Checking Account
Minimum Opening Deposit Requirement$500$1,000None
Minimum Average Balance Requirement$500$3,500None
Fees• $10/month if average balance falls below $500

• $.30 per items if you have more than 75* items during the month
• $10/month if average balances falls below $3,500

• $.30 per item if you have more than 300* items during the month
• $10/month maintenance fee

• $.35 per deposit/credit item

• Deposited item (on us): $.04 per item

• Deposited item (other): $.10 per item

• ACH credit: $.05 per item

• ACH debit: $.10 per item

• Checks paid: $.20 per item

• Uncollected funds use charge: Prime +3.00%

(Monthly fees are subject to offset with earnings credit)

*Items include: Checks, Debits, Items Deposited, ACH Debits

Checking Services for All Accounts

All business checking accounts are eligible for the following services for your convenience:

Purchases & Sales
  • ATM/debit card available upon approval
  • Business & commercial credit card solutions**
  • Merchant payment processing**
Technology
  • Free online banking and mobile banking app
  • Remote deposit capture**
  • eAlerts
  • eStatements
Security
  • ACH filter**
  • ACH Positive Pay**
Electronic Payments
  • Bill pay
  • ACH origination**
  • Domestic & international wire transfer**
Accounting Services
  • Zero balance account**
  • Loan sweep**
  • Electronic Data Interchange (EDI) reporting**
**Applicable fees may apply.

Ready to open a small business checking account?

Contact Us Today

Non-profit business accounts are also available through Riverland Bank.

Business Savings Accounts

Savings Account TypeRiverland Regular SavingsRiverland Money Market Savings
Minimum Daily Balance Requirement$250$1,000
Fees$5 quarterly service charge if daily balance falls below $250$10 monthly service charge if daily balance falls below $1,000
Limits6 preauthorized transfers out of account per 4 week or similar period6 preauthorized transfers out of account per 4 week or similar period
Interest• Rate subject to change

• Paid quarterly
• Rate subject to change

• Paid monthly

• Tiered rate based on account balance

Savings accounts are variable rate accounts; the interest rate and annual percentage yield may change after the account is opened. Fees may reduce earnings. $30 fee may be imposed if account is closed within 3 months of opening.

Savings Services for All Accounts

All business savings accounts are eligible for the following services for your convenience:

Purchases
  • ATM/debit card available upon approval
Technology
  • Free online banking and mobile banking app
  • eAlerts
  • eStatements
Electronic Payments
  • Bill pay

Ready to open a small business savings account?

Contact Us

Connect With One of Our Expert Business Bankers.

Banking is all about the connections that allow a strong relationship to establish trust, enable growth, and evolve.
Partner with one of our SBA certified bankers to receive tailored financial advice.