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Debit & ATM Cards

An All-purpose Card. Use almost everywhere, for almost anything.

Your MasterCard® Debit Card can be used to deposit, withdraw, transfer funds, make loan payments, and obtain balance information at any of our affiliated ATMs. Use it for purchases anywhere MasterCard is accepted.

It's about to get even better with our new Contactless Cards! Shipping to a mailbox near you soon! Check out the Tap to Pay feature and don't forget to add your new card to your Digital Wallet!

Call us at 616-406-2480.

ATM Locator

You can use our co-op network of nearly 30,000 ATMs and 5,000+ shared branches surcharge-free. Don’t worry, we’ve got you covered!



We’re looking out for you.

Our Fraud Detection and Notification System notifies you when we suspect fraud so that you can review transactions and confirm your spending activity on Debit and Credit Cards.


Tell me more about the new Contactless Cards!

We’re kicking off the new year with great news! Beginning February 19, 2024, we’ll be mailing out brand-new contactless Debit/ATM cards! Here's why we're so excited about this:

Why we love Contactless Cards:

  • Contactless cards are easy to use and allow for faster transactions.
  • Our Tap to Pay technology ensures a higher level of reliability and security than other forms of payment.
  • Introducing the ability to seamlessly add your Rivertown Debit Card to your Digital Wallet!

Secure Delivery Process: Rest easy knowing that your new card(s) will arrive in plain envelopes, adding an extra layer of security.

Card and PIN in One: In one convenient envelope, you'll find both your new card and clear instructions on how to activate and set a personalized PIN of your choosing.

Don't Hesitate - Activate! As soon as your new card arrives, activate it and start enjoying the benefits. Don’t forget to set up your automatic payments for added convenience!

Important Update on Previous Cards: All previously issued debit or ATM cards will automatically deactivate on March 25, 2024.

Debit Card Rewards - Time to Redeem! Visit to continue earning Rewards Points until March 25, 2024. After deactivation, you have until May 31, 2024, to redeem your points. Seize this opportunity and make the most of your rewards today!

Coming Soon - Cash Back Checking Account! Hold onto your excitement because there's more to come! Stay tuned for future communications about our Cash Back checking account. We're finalizing the details on a fantastic new checking account that offers you a little something extra!

Have questions? We’re here to help! Give us a call at 616-406-2480.

How do rewards work?

Bonus points require an active checking account and Debit MasterCard®. Points may take up to 45 days to become available for use. Check out a comprehensive list of reward options online or by calling 888-9My Reward.

*Visit dreampoints to continue earning Rewards Points until March 25, 2024. After deactivation, you have until May 31, 2024 to redeem your points. Seize this opportunity and make the most of your rewards today!

How do I get 500 bonus points to start?

All you have to do is provide your email address when you enroll and opt-in to get monthly emails when your points are updated.

How does the fraud prevention service work?
Members are immediately notified through our automated assistant when we suspect fraud. If you receive a notification call from our automated assistant, please work with us to answer questions regarding recent card activity.
How can I prevent overdrafts and declined cards?
We offer Courtesy Pay and Overdraft Protection to help prevent the embarrassment and hassle of a declined card. Overdraft Protection will transfer funds from a different account to prevent your card from being denied when you’re making a purchase ($4 fee per item). Courtesy Pay will cover up to $500 over your account balance in emergency scenarios ($27 fee).
Couple with child

What checking is best for me?

We also offer a variety of checking accounts!

Not a member yet?

Join today for serious benefits like no application costs or closing fees on home loans, plus so much more!