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Riverview Rates
| Money Market Plus | APY |
|---|---|
| $5,000 - $49,999 | 2.50% |
| $50,000 or more | 3.00% |
| CD Rates | APY |
|---|---|
| 4-Month Special | 3.10% |
| 8-Month Special | 3.29% |
| 21-Month Bump | 2.94% |
| 18-Month Variable IRA | 3.77% |
| Rates as of 11/20/08 CD Rates for $15,000-$24,999 Subject to change |
|
Business Accounts
Riverview Business Accounts
Whether you are opening a new business or a growing an existing business, Riverview can help you manage your business finances. From a variety of checking and savings options to business internet banking, we've got you covered. We also have an Asset Management team that will help you maximize your Return on Investment.
Business Internet Banking Cash Management System
With Business Internet Banking, you save time and effort by managing your financial position from anywhere you have internet access. You can review and download account information whenever you wish.
To help you run your business more efficiently, you are able to set up other people within your company to access your accounts. You set up each person's permissions so that they only have control over what you want them to.
With the Bill Payment system you are able to schedule payments, whether it is a recurring payment or a one time payment, it is quick and easy. Our system will also allow to do payroll online.
Business Checking
Combine statements with other personal or business accounts,-- Personal Checking, Savings, CDs, Money Markets.
Business Checking
For all Business Accounts
For Businesses with low to moderate account activity
- Fewer than 50 checks per month
- Fewer than 25 deposits
- Fewer than 250 items deposited
Minimum: $2,500
Monthly Service Charge: $5.00, waived with minimum daily balance
Visa® Check Card: Free
Internet Banking: Free
Bill Pay: Free
Image Statements: $4.OO Per Month
Your statement and copies of checks are clear and easy to read. Checks appear in sequence with check number, date and amount printed below each check
CD Statements: $10.00 per Month
Each CD contains a search tool to find checks based on check number, payee or amount, with no special software required.
E-Statements: Free
Receive password-protected statements via email.
Analyzed
For Businesses with higher account activity
Minimum: None
Monthly Service Charge: $10.00
Visa® Check Card: Free
Internet Banking: Free
Bill Pay: Free
Image Statements: $4.OO Per Month
Your statement and copies of checks are clear and easy to read.
Checks appear in sequence with check number, date and amount printed below each check.
CD Statements: $10.00 per Month
Each CD contains a search tool to find checks based on check number, payee or amount, with no special software required.
E-Statements: Free
Receive password-protected statements via email
Account Activity Fees: $0.10 per Check Written
$0.20 per Deposit
$0.05 per Deposited Item
(other fees may apply, refer to fee schedule)
Earnings Credit: Offsets charges, market rate applied to the average daily collected balance
Business Interest
Business Interest
For sole proprietors and non-profit organizations only
Minimum: $2,500
Monthly Service Charge: $7.00 waived with minimum daily balance
Visa® Check Card: Free
Internet Banking: Free
Bill Pay: Free
Image Statements: $4.OO Per Month
Your statement and copies of checks are clear and easy to read.
Checks appear in sequence with check number, date and amount printed below each check.
CD Statements: $10.00 per Month
Each CD contains a search tool to find checks based on check number, payee or amount, with no special software required.
E-Statements: Free
Receive password-protected statements via email
Contact Riverview
Savings
Savings accounts provide you a great way to save money while earning interest. All Savings accounts can be linked to your Checking account as Savings Overdraft Protection.
Savings
For customers who want a traditional savings account.
Minimum to open: $500
Minimum daily balance: $500
Monthly Service Charge: $5.00 waived with minimum daily balance
Interest: Yes
Statements: Monthly
Relationship Savings
For customers with Riverview Checking and Savings and one combined statement.
Minimum to open: $100
Minimum daily balance: None
Monthly Service Charge: None
Interest: Yes
Statements: Monthly, combined with checking
Certificates of Deposit
For customers who want a higher interest rate and the flexibility of terms ranging from 3 months to 10 years.
Minimum to Open: $2,500
Interest: Yes
Statements: Quarterly or monthly w/ combined statements
High Yield Checking
Minimum: None
Monthly Service Charge: None
Interest: None
Check Card: Free
Internet Banking: Free
Bill Pay: Free
Traveler Cheques: No Fee
For customers who don't want to worry about a minimum daily balance.
Money Market
A great account for people who maintain higher balances and desire the convenience of periodic withdrawals. With our tiered interest rates, the more you save, the more you earn.
Minimum: None
Monthly Service Charge: None
Interest: None
Check Card: Free
Internet Banking: Free
Bill Pay: Free
Traveler Cheques: No Fee
For customers who don't want to worry about a minimum daily balance.
Business Plus Account
A great account for businesses that maintain higher balances and desire the convenience of periodic withdrawals. Paying above market tiered interest rates, the more you save, the more you earn.
Minimum Daily Balance: $10,000
Money Market Checks: Free
Combined Statements: Free
Internet Banking: Free
Traveler Cheques: No Fee
Withdrawals:
- Unlimited in person or by mail
- Six pre-authorized, automatic or telephone transfers per month, 3 of which can be by check
- Any Riverview Business Checking Account
Companion Checking Account
Minimum Daily Balance: $1,500
Service Fee: $15.00 waived with minimum daily balance
Sweep Accounts
Sweep Relationship Services via Riverview Asset Management Corp (RAMCorp)*
- Consolidate funds at end of business day for reporting and investment purposes
- Provides investment alternatives such as High Yield Money Market Funds**
How it works:
RAMCO Sweep Accounts revolve around a predetermined "Peg" balance in your Riverview Checking Account so you never have to worry about moving cash to cover outgoing items. Each night, any balance in excess of the Peg is invested in the Sweep Account, while any shortfall below the Peg is redeemed from the Sweep Account.
- Funds are automatically moved between your RAMCO Sweep Account (Invested in the money market fund of your choice**) and your Riverview Checking Account
- Checks are provided free of charge. No limit on the number of checks written per month
- Redeem funds at any time or make withdrawals by check
- View daily balance updates and transaction history online
- Telephone access by calling our account representatives to verify your account balance at 360 - 693-7442 or toll free at 877-993-5550.
* Riverview Asset Management Corporation is a Riverview company offering trust and investment services which are not federally insured, not guaranteed by the bank, and my lose value.
** Money Market Funds to Choose From:
- General Money Market Fund
- US Government Fund
- Income Tax-exempt Fund
- Caterpillar Fund
None of the funds charge load or 12b-1 fees, which means all your savings go to work for you. Please see Riverview Asset Management Corp. or your local Branch Manager for more details regarding this account.