Choose the Deposit Account That Works Best For You

As a trusted partner, understanding our client’s financial goals inside and out enables us to provide counsel and well-designed solutions for their unique needs.

Take a look at the checking and savings accounts we offer.

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Checking Accounts

Riverland Bank offers a variety of checking accounts to meet your personal banking needs. Each of our checking account products include access to additional products and services to help you efficiently and securely manage your account activity.

Free CheckingInterest Checking50 Plus Checking*
Minimum Opening Deposit Requirement$100$500$100
Monthly Service FeesNone$5 if balance falls below $500None
Earns InterestNoYesYes
ATM/Debit Card AvailableYesYesYes
Online Banking & Bill PayYesYesYes
Mobile BankingYesYesYes
Ready Reserve Available Upon ApprovalYesYesYes
24 Hour Banking By PhoneYesYesYes
eStatementsYesYesYes
Checks—First order of 50 checks freeFree Specialty Checks
Other——Reduced safe deposit box rental

*For those age 50 or better

Ready to open a personal checking account?

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Savings Accounts

Riverland Bank offers a variety of personal savings accounts to help your money grow and meet your financial goals. Whether you are just starting or continuing to save money, or are eligible for a Health Savings Account, we have an account that will work for you.

Thrift SavingsRegular SavingsHealth Savings AccountMoney Market SavingsYouth Savings Account
Minimum Daily Balance Requirement$50$250$100$1,000$0
Fees$3.00 quarterly service charge 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 $1,000None
Interest• Paid quarterly• Paid quarterly• Paid monthly

• Tiered interest rate based on account balance		• Paid monthly

• Tiered interest rate based on account balance		• Paid quarterly

• Special bonuses! Call for details.
ATM/Debit Card Available Upon ApprovalNoYesYesYesNo

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?

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Certificate of Deposit & IRA Accounts

Riverland Bank offers a variety of Certificate of Deposit products for your short-term and long-term investment needs. Take advantage of our competitive rates to maximize interest income over the term of your certificate of deposit. In addition, we offer both Traditional IRA and Roth IRA accounts. Choose one of our certificate of deposit products for your IRA and begin saving for your retirement.

TermInterest RateAnnual Percentage Yield
3 Month4.50%4.58%
6 Month4.25%4.29%
12 Month4.00%4.00%
18 Month3.90%3.90%
24 Month3.75%3.75%
30 Month3.70%3.70%
36 Month3.65%3.65%
48 Month3.60%3.60%
60 Month3.50%3.50%

Minimum Deposit to Open Account and Obtain Annual Percentage Yield: $1,000.00. A penalty may be imposed for early withdrawal.

Ready to open an account?

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Banker hands customer a Riverland envelope

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