Personal Banking on a First Name Basis

At Riverland, you’re not just a number.
We put the Personal in Personal Banking.

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Checking Accounts
Discover which type of personal checking account is right for you.

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Savings Account
Save time finding the right savings account.

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Personal Loans
Find the best loan to meet your unique needs.

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Meet your depository needs of today and your retirement needs of tomorrow.

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Credit Cards
We’ll make choosing the right credit card easier than ever.

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Online & Mobile Banking
Bank anytime, anywhere with our online and mobile banking.

Explore the details of our personal banking offers below.

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Personal Checking Accounts

Riverland Free CheckingRiverland Interest CheckingRiverland 50 Plus Checking*
No minimum balance requirement$500 minimum balance requirement to open account$100 minimum balance requirement to open account
No monthly maintenance fee$5 monthly maintenance fee if balance falls below $500No monthly service fees
ATM/Debit Card availableEarns InterestEarns Interest
Online Banking & Bill PayATM/Debit Card availableATM/Debit Card available
Mobile BankingOnline Banking & Bill PayOnline Banking & Bill Pay
Ready Reserve availableMobile Banking Mobile Banking
24 Hour banking by phoneeStatementsReady Reserve available
eStatements24 hour banking by phone24 hour banking by phone
First order of 50 checks free eStatements
Ready Reserve availableFree Specialty Checks
Reduced safe deposit box rental
*For those age 50 or better

Ready to open a personal checking account?

Contact Us Today

Personal Savings Accounts

Riverland Thrift SavingsRiverland Regular SavingsRiverland Health Savings AccountRiverland Money Market Savings
$50 minimum balance requirement to open account$250 minimum balance requirement to open account$100 minimum balance requirement to open account$1,000 minimum balance requirement to open account
$3.00 quarterly service change if the average balance falls below $50.00$5.00 quarterly service charge if balance falls below $250$5.00 monthly service charge if balance falls below $100$10.00 monthly service charge if balance falls below $1,000
Interest paid quarterlyInterest paid quarterlyInterest paid monthlyInterest paid monthly
ATM card accessTiered interest rate based on account balanceTiered interest rate based on account balance
ATM/Debit Card availableATM card access

These are variable rate accounts; the interest rate and annual percentage yield may change after the account is opened. Fees may reduce earnings. Limit of 6 preauthorized transfers out of the account per statement cycle. Early Closing Fee – $30.00 fee may be imposed if account is closed within 3 months of opening.

Ready to open a personal savings account?

Contact Us Today

Personal Loans

Mortgage Loans:
Building, buying or refinancing your existing home is one of the most important financial decisions you will ever make. We know you will want an experienced Mortgage Lender to walk you through the process. We offer a variety of loan programs including; conventional, jumbo, government programs, fixed rate and adjustable rate. Riverland Bank is an Equal Housing Lender. View SAFE Act Notice here ›

Installment Loans:
Installment Loans can be used for a variety of reasons: a new car, personal expenses, or any other major purchase. We offer flexible repayment terms to fit your budget, and a guaranteed fixed rate of interest.

Home Equity Lines of Credit:
A Home Equity Line of Credit provides peace of mind and the convenience of a loan on demand. It’s there for you when you need it and easy to access. View SAFE Act Notice here ›

Ready Reserve:
A Ready Reserve is a line of credit that works with your personal checking account to prevent overdrafts. If you are overdrawn we will automatically advance funds from your Ready Reserve to pay your checks. Ready Reserve lines of credit are available up to $5,000.

Riverland Bank | Personal Banking | Young Lenders


A Certificate of Deposit (CD) is a fixed term interest bearing instrument and there’s no debate that we have great rates. Our Individual Retirement Accounts (IRA) enable clients to make the most of every cent when it comes to their retirement plans.

  • Personal Certificate of Deposit
  • Individual Retirement Account
  • Roth IRA
  • $1,000 minimum balance
  • 3, 6, 12, 18, 24, 36, 48 & 60 month terms
  • Subject to early withdrawal penalty

Personal Credit Cards

Choosing the right credit card is easier than ever. No matter which card you use, you will enjoy important features like EMV smart chip technology for added security, Mobile purchasing capability for added convenience and options for bonus, cash and travel rewards.

Learn More and Apply Now ›

Online & Mobile Banking

Online Banking:
Our free online banking service provides secure access to your account information anywhere you have an internet connection. Real-time account information, funds transfer between accounts, Bill Pay, transaction history, account alerts and eStatement delivery are just some of the features to help you manage your accounts.

Mobile Banking:
Our free Mobile Banking App is a convenient and secure way to manage your accounts from your iPhone®, iPad®, or Android® mobile device. With Mobile Banking, you can check your balances, review transaction history, transfer funds, deposit checks and locate a surcharge free ATM.

The Riverland Bank Mobile Banking App is available and can be downloaded for free directly from iTunes® or Google Play® on your mobile device.

You must be enrolled in online banking in order to use Mobile Banking


Riverland Bank | Personal Banking | Mobile Banking

A New Partner for Prosperity

Banking is all about the connections that allow a strong relationship to establish trust, enable growth, and evolve. Our highly experienced team is both dedicated and accessible to all of our partners at all times.