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

• $.30 per item 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

Ready to open a small business checking account?

Get Started

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

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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