Personal Banking on a First Name Basis
At Riverland, you’re not just a number.
We put the Personal in Personal Banking.
Explore the details of our personal banking offers below.
Personal Checking Accounts
|Free Checking||50 Plus Checking*||Interest Checking|
|No minimum balance requirement||No minimum balance||$500 minimum balance requirement|
|No monthly maintenance fee||No monthly service fees||$5 monthly maintenance fee if balance falls below $500|
|ATM/Debit Card available||Earns Interest||Earns Interest|
|Online Banking & Bill Pay||ATM/Debit Card available||ATM/Debit Card available|
|Mobile Banking||Online Banking & Bill Pay||Online Banking & Bill Pay|
|Ready Reserve available||Mobile Banking||Mobile Banking|
|24 Hour banking by phone||Ready Reserve available||eStatements|
|eStatements||24 hour banking by phone||24 hour banking by phone|
|eStatements||First order of 50 checks free|
|Free Specialty Checks||Ready Reserve available|
|Reduced safe deposit box rental|
|*For those age 50 or better|
Ready to open a personal checking account?
Personal Savings Accounts
|Thrift Savings||Regular Savings||Money Market Savings||Health Savings Account|
|$50 minimum balance requirement||$250 minimum balance requirement||$1,000 minimum balance requirement||$100 minimum balance requirement|
|$3.00 quarterly service charge if balance falls below $5.00||$5.00 quarterly service charge if balance falls below $250||$10.00 monthly service charge if balance falls below $1,000||$5.00 monthly service charge if balance falls below $100|
|Interest paid quarterly||Interest paid quarterly||Interest paid monthly||Interest paid monthly|
|Limit of 6 preauthorized transfers out of account per 4 week or similar period||Limit of 6 preauthorized transfers out of account per 4 week or similar period||Limit of 6 preauthorized transfers out of account per 4 week or similar period||Limit of 6 preauthorized transfers out of account per 4 week or similar period|
|ATM card access||Tiered interest rate based on account balance||Tiered interest rate based on account balance|
|ATM card access||ATM/Debit Card available|
Ready to open a personal savings account?
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 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 ›
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.
CD & IRA
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.
Online & Mobile 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.
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
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.