Mobile Banking

Free Checking

More rewards.
Less fees.

Instead of losing a few bucks a month to a service fee, you'll be earning rewards for food, shopping, and more.

Open an Account
  • Overview


    Free, as in, zero dollars.

    We believe you should not have to pay for checking.


    1 point for every $2 spent. 500 points when you sign up.

    Points can then be used for gift cards, merchandise, and more! You could earn a 42” flat screen.


    Here to help, with both apps and real people.

    Sometimes you just need to move some money from checking to savings. We’ve got an app for that. If you’ve got questions or need to complete some more complicated financial maneuvers, we’ve got friendly, talented people ready to help you.

    Popular Questions

    • Yes, our accounts are insured by the NCUA. Visit the NCUA website to learn about your insurance coverage.

    The account is free. The rewards, service, and online tools are too.

    Get Started
  • ATMs

    Nationwide Fee-free ATMs & Branches

    Nearly 30,000 surcharge-free ATMs and over 5,600 shared branches. That's more than most of the biggest banks.

  • Upgrade

    Upgrade to Secured Checking

    Fraud monitoring, recovery, and reimbursements for you and the whole family.

    Peace of mind for only $2 a month.


    Protect yourself and your family.

    Fraud monitoring and reimbursement protects you, joint account holders, your spouse, dependent children up to age 25, and parents living in the same household as the account owner.

    Open my account

    ID Protect

    Any fraud event. Anywhere.

    ID Protect covers any identity fraud event, financial or otherwise, anywhere in the world. Even if the event has nothing to do with your account at Rivertown CU, you’re still covered.


    Prevent fraud from happening in the first place. Total Identity Monitoring, Triple-Bureau Credit File Monitoring, Triple-Bureau Credit Report, and Credit Score (registration and activation required).

    Fully-Managed Recovery

    In the event of fraud, a dedicated fraud specialist will manage your case. You’ll feel like someone cares about you and is in your corner.

    Fraud Expense Reimbursement

    Up to $10,000 reimbursement to cover expenses such as attorney fees, travel accommodations, lost wages, etc.*

Free Checking Disclosures
*Insurance product is not a deposit, not NCUA insured, not an obligation of credit union, and not guarenteed by credit union or affiliated entity.