Which Account Type is Right For You?

What type of business do you operate?

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.

Checking Services for All Accounts

All business checking accounts are eligible for the following convenient services:

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.

Business Checking Accounts

Small Business Checking Account
A basic checking account for new or small businesses with low transaction volume.		Business Checking Account
A checking account for growing businesses with higher transaction volume.		Commercial Checking Account
A complete checking account for businesses with higher transaction volume and cash management needs.
Minimum Opening Deposit Requirement$500$1,000None
Minimum Average Balance Requirement$500$3,500None
Fees• $10/month if average balance falls below $500

• Includes 75 items*
Each additional item: $0.30		• $10/month if average balances falls below $3,500

• Includes 300 items*
Each additional item: $0.30		• $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

(Monthly fees are subject to offset with earnings credit)

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

Ready to open a small business checking account?

Get Started

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

Learn More

Savings Services for All Accounts

All business savings accounts are eligible for the following convenient services:

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

Business Savings Accounts

Riverland Regular Savings
This account helps business owners save, earn interest, and protect funds.		Riverland Money Market Savings
This account can be a helpful resource for entrepreneurs or small businesses due to higher interest and the ability to write checks.
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
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 at the bank’s discretion. Fees may reduce earnings. $30 fee may be imposed if account is closed within three months of opening.

Ready to open a small business savings account?
Get Started

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Banking is all about the connections that allow a strong relationship to establish trust, enable growth, and evolve.

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