Riverset Simple Checking

Features and Fees

Monthly Service Charge1: $7.00
Checks: FREE2
Debit Card: FREE4
Online Banking: FREE5
Bill Pay: FREE6

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Checking. Simplified.

Some financial institutions require you to have a deep relationship or jump through hoops to get dividends on a checking account balance – we think dividends should come standard.  You can earn dividends on balances of $1,500 or greater in your checking account. Simple, as it should be.

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Account Features

  • Earn dividends on balances at or above $1,500
  • Riverset VISA® Debit Card with Surcharge Free access to all PNC® Bank ATMs nationwide
  • Overdraft Protection – linked to your Riverset Simple Savings or Money Market account
  • Online and Mobile Banking – featuring Mobile Deposit, eStatements, eAlerts, and eNotifications
  • Riverset EZ Bill Pay – featuring A2A external transfers and Popmoney® payment systems
  • Monthly Service Charge WAIVED – with additional services1

Simplify Your Life with Direct Deposit Services

Setting up 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 when you get to the branch.  No more waiting for your check to clear after it’s been deposited at the branch.  Sign up for Direct Deposit and simplify your life!

Overdraft Services Made Simple

Riverset makes managing your money simple by offering free enrollment in one or both of our Overdraft Services. Life happens. We can help.

Overdraft Protection
Have funds automatically transferred from your savings or money market account to cover transactions made when you don’t have enough money in your checking account.7 Once enrolled, a single Overdraft Protection fee is only charged if funds are transferred to cover a negative balance.8 Never be caught off guard again.

One-time Debit Card Debit Card Transaction Preferences
You can choose how Riverset handles your one-time ATM and 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: One-time ATM and Debit Card transactions will be approved regardless of the funds available in your accounts. 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 Fee9 will be assessed for each transaction made while your account is negative.
OPT-OUT: One-time ATM and Debit Card transactions will be declined if the funds are not available in your accounts and no Overdraft Fee will be assessed.10

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 (signatureor 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.  Members under age18 are exempt from this fee. New accounts are exempt for the first 6 months
2. Members are eligible for one (1) FREE basic check order at account opening which includes delivery. Additional checks or check products and services as well as premium products, and reorders are excluded.
3. 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.
4. Members are eligible for one (1) FREE debit card per person on the account at account opening. A fee of $12.00 will be assessed for replacement of cards in situations where a replacement card is needed. There is no fee assessed for reissuing of expired cards.
5. 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.
6. Riverset does not charge a fee for EZ Bill Pay. 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.
7. Funds are transferred at the end of each business day to cover the total negative balance. This total balance must be available in the Overdraft Protection account in order for the transfer to occur.

8. Current applicable transfer fee = $7 per transfer.
9. Current applicable overdraft fee = $30 per item + $10 per day after 10 business days of negative balance.
10. Opt-Out applies only to one-time ATM and Debit Card transactions. An overdraft fee may still be applied to recurring, ACH, or check transactions.
*All checking accounts are subject to verification by ChexSystems®. 

Checking Account Features

  • Riverset Simple Savings Account

    Riverset knows that saving money can be difficult - our goal is to make saving money simple.
    Learn More

  • Riverset Online Banking

    Riverset Online Banking provides you with the tools to take control of your finances.  It’s FREE, easy and secure.
    Learn More

  • Riverset Mobile Banking

    Check your balance, transfer money, and even deposit a check right from your mobile device.
    Learn More

  • Riverset EZ Bill Pay

    Ensure your bills are paid on time, every time, without the hassle of writing checks.
    Learn More

Debit Card Services

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

Learn More

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.

Order Checks