Riverset Simple Checking

Everyday Convenience


•  VISA Debit Card
•  Online Banking
•  Mobile Banking
•  Bill Pay Services
•  CO-OP Shared Branching
 

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Checking. Simplified.

Some financial institutions require you to have a deep relationship or jump through hoops to waive monthly service fees1 - we feel it should be easier.  You can avoid monthly fees with Riverset by simply doing your everyday banking with us - just set up any direct deposit to your account or swipe your debit card 5 times in a month. Simple, as it should be.
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Account Features




Simplify Your Life with Direct Deposit Services

Directing a portion or all of your payroll or Social Security check to be automatically deposited into your Riverset account is simple and saves you time. No more sitting in traffic on the way to the branch. No more waiting in line to deposit your check. No more waiting for your check to clear after it’s been deposited. Sign up for Direct Deposit and simplify your life!



Overdraft Services Made Simple

Riverset makes managing your money simple by offering enrollment in our Overdraft Services. Life happens. We can help.

Overdraft Protection
Overdraft Protection links your eligible checking account with a Riverset savings or money market account.  Available funds are automatically transferred to cover overdrafts from your account - provided you have sufficient funds available in the linked account. There is no cost to enroll and you may only pay a $7 transfer fee per overdraft. Add Overdraft Protection to your Riverset Simple Checking account and never be caught off guard again.

Standard Overdraft Preferences
You can choose how Riverset handles your ATM and one-time Debit Card transactions in the event you don’t have the funds available in your account at the time your transaction is made.
OPT-IN: ATM and one-time Debit Card transactions will be approved regardless of the funds available in your account. If the transaction takes the account negative (and there are no funds available in your Overdraft Protection accounts or Overdraft Protection has not been set up), an Overdraft Fee5 will be assessed for each transaction.
OPT-OUT: If funds are not available in your account ATM and one-time Debit Card transactions will be declined, at no charge to you6.
 



Important Legal Disclosures and Information

1. Monthly Service Fee of $7.00 will be charged unless one of the following requirements was met in the calendar month: any direct deposit received, 5 debit card point of sale (POS) purchases (signature or PIN based), average daily balance between all deposit accounts of $500.00 or more, a Riverset VISA credit card or loan account open and in good standing.
2. Must maintain an average daily balance of $1,500 or greater in the Riverset Simple Checking Account in order to earn dividend. If average daily balance falls below $1,500, no dividend will be paid.
3. Riverset does not charge a fee for Online and Mobile Banking. However, third party message and data rates may apply. These include fees your wireless carrier may charge you for data usage and text messaging services. Check with your wireless carrier for details regarding your specific wireless plan and any data usage or text messaging charges that may apply. Also, a supported mobile device is needed to use the Mobile Banking App. Mobile Deposit is a feature of Riverset Mobile Banking. Use of the Mobile Deposit feature requires a supported camera-equipped device and you must download a Riverset mobile banking app. Eligible Riverset Credit Union accounts and Riverset Online Banking required. Certain other restrictions apply. See the mobile banking terms and conditions in the Riverset Online Banking Service Agreement.
4. Riverset does not charge a fee for enrollment in Bill Pay services. However, third party message and data rates may apply. These include fees your wireless carrier may charge you for data usage and text messaging services. Check with your wireless carrier for details regarding your specific wireless plan and any data usage or text messaging charges that may apply.

5. Current applicable overdraft fee = $30 per item + $10 per day after 10 business days of negative balance.  You must bring your account to a positive end-of-day balance within 45 days of the first overdraft occurrence or your account may be closed.
6. Opt-Out applies only to ATM and one-time Debit Card transactions. An overdraft fee may still be applied to recurring debit card, ACH, or check transactions.
*All checking accounts are subject to verification by ChexSystems®. 

Checking Account Features

  • Riverset Online Banking

    Riverset Online Banking provides you with the tools to take control of your finances.  It’s simple and secure.
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  • Riverset Mobile Banking

    Check your balance, transfer money, and even deposit a check right from your mobile device.
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  • Riverset Bill Pay Services

    Ensure your bills are paid on time, every time, without the hassle of writing checks.
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  • Nationwide Account Access

    With thousands of ATMs and branch locations nationwide, Riverset is always right around the corner.
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Debit Card Services

Your Riverset Simple Checking Account comes with a Riverset VISA® Debit Card.  To request a debit card, ask a question, or to report a card lost or stolen call us at 412-488-2525 and select Option 4.
 

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Need More Checks?

Whether you're running low on checks or need to change your personal information, Riverset has you covered!  Purchase checks, view product catalog, and check order status through the channel that is most convenient for you.
 

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