Cash Connect Checking is quick and easy
It gives you the tools you need to smartly manage your money. No minimums, no overdrafts, no monthly service fee, no kidding!
Account features
Account Details
- Fee to cash checks of 3% up to $25.00
- This account will not receive access to shared branching services or overdraft protection
- No frills no fancies strictly cash account
Supplemental Account Disclosure “Cash Connect”
Account Number:
Date Opened:
Payment Frequency: Monthly
Current Rate: 0.05%
Current APY: 0.05%
The dividend rate and annual percentage yield (APY) for your account are shown above. The APY is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. The dividend rate and APY may change at anytime at the discretion of the Credit Union’s Board of Directors
Purpose and Expected Use of Account
This account is intended to be the accountholder’s primary checking account in which payroll transactions and day-today spending activities are posted and settled. We have the right to close this account at any time, with proper notice. Our decision to close the account will not affect our existing obligations to us, including any obligations to pay fees or charges incurred prior to termination. No deposits will be accepted after the account is closed.
Compounding & Crediting:
Dividends will be compounded on a daily basis. Dividends will be credited to your account on the last day of the current Statement Cycle. If you close your account before dividends are credited, you will not receive the accrued dividends. Dividends begin to accrue on the Banking Day when you deposit noncash items (for example, checks).
“Banking Day” means any business day on which an office of the credit union is open to the public for the purpose of carrying out substantially all of its banking functions.
Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.
Balance Computation Method:
Daily Balance Method: We use the daily balance method to calculate the dividends on your account. This method applies a periodic rate to the principal in the account each day for the period. The period we use is the Statement Cycle.
Balance Information:
No minimum deposit is required to open an account or maintain the account.
Additional Information:
Overdraft fees do not apply, and standard overdraft coverage is not available. Optional overdraft services, such as Overdraft Protection and Debit Card Overdraft Services, are also not available. This account is not eligible for Shared Branching Services.
Fees:
Check Cash fee is 3.00% of check amount up to $25.00. All other General fees and charges still apply.
Tools to help you bank on your terms
Apple Pay®
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Samsung Pay
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Masterpass
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Checking account FAQs
To open a checking account for a member, the minor must be eligible for membership and have at least one adult joint owner. The minor must be at least 13 years of age with a valid government issued ID.
Yes, Riverview offers several different types of checking accounts to fit your individual needs. Whether you like rewards, earning interest, or a no-frills type of account, we have you covered.
No, Riverview checking accounts do not require a minimum deposit to open. However, certain checking accounts do have qualification requirements to earn the benefits.
Simple Checking: Our simple checking has no frills but meets your basic checking needs! This checking has no minimum balance, and access to mobile banking, online banking, bill pay, overdraft transfer protection, overdraft privilege, e-statements, direct deposit, mobile deposit, surcharge free ATM’s, Apple Pay, Samsung Pay, Google Pay, Microsoft Pay, and Masterpass.
Real Rewards Checking: Our real rewards checking account is perfect for those who want to earn cash back on their debit card purchases! This account allows you to earn up to $7.50 on debit card point of sale purchases and receive a refund up to $25.00 of non-RCU ATM fees. To qualify, you must meet the qualification requirements monthly: a minimum direct deposit of $500 once a month, minimum of 15 debit card purchases, and be enrolled in e-statements. This checking also has no minimum balance, and access to mobile banking, online banking, bill pay, overdraft transfer protection, overdraft privilege, mobile deposit, surcharge free ATM’s, Apple Pay, Samsung Pay, Google Pay, Microsoft Pay, and Masterpass.
Platinum Checking: Our platinum checking account is top tier for earning interest on your checking balances. This account allows you to earn up to 4% on checking balance up to $25,000.00 and receive a refund up to $25.00 of non-RCU ATM fees. Balances over $25,00.01 will earn a flat rate of 1%. To qualify, you must meet the qualification requirements monthly: a daily balance of $10,000 aggregated balance in your membership accounts, a minimum direct deposit of $500 once a month, minimum of 15 debit card purchases, and be enrolled in e-statements. This checking also has no minimum balance, and access to mobile banking, online banking, bill pay, overdraft transfer protection, overdraft privilege, mobile deposit, surcharge free ATM’s, Apple Pay, Samsung Pay, Google Pay, Microsoft Pay, and Masterpass. This account qualifies for complimentary cashier’s checks and money orders, waived stop payment fees and incoming wires, and better rates for loans and share certificates.
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