RiverLand Federal Credit Union

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Enhancing your financial well-being with low-rate loans, high-yield savings, and fee-free checking accounts.

RiverLand Federal Credit Union | Checking Account

Whether you keep a high balance, maintain a low balance, rarely use a debit card, or make frequent purchases—our checking accounts have no monthly fees and provide convenient access to your cash.

Federally insured by NCUA. We do business in accordance with Federal Fair Lending Laws.

Apply in less than 5 mins

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Ready to open a Checking Account?

By checking this box you agree to our <a href="https://www.riverlandfcu.org/files/riverland/1/file/Privacy_Disclosures/Privacy%20Policy%201-15.pdf" target="_blank">Privacy Policy</a>.

What is your legal name as it appears on your passport or other government-issued ID?

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.What this means for you:&nbsp; When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.&nbsp; We may also ask to see your driver’s license or other identifying documents.

Important Information about Procedures for Opening a New Account

Let’s start with your name.

Cell Phone Number

Your cell phone number will never be shared with anyone. Standard text messaging rates apply.

How can we get in touch with you?

As an existing member of RiverLand, we can help you open a secondary savings by phone. Alternatively, you can message us via online banking or email at <a href="mailto:memberservice@riverlandcu.org">memberservice@riverlandcu.org</a>. If you do want to open a whole new membership account, just <a href="https://onboard.cotribute.co/flows/79a74f41-5d63-4bf3-947d-d14cf162d506">begin a new application</a> and select New Member.

Contact us for further assistance: 504-576-5800 (option 3)

Did you mean to open a secondary savings?

Please check the box if you have an alternate mailing address.

We use this information to verify you are who you say you are. Your information is always kept private and will never be shared with anyone. This information is protected by 256-bit SSL Encryption.

Street Address

Apartment Number (Optional)

City

State

Zip Code

What’s your home address?

What’s your mailing address?

This information is protected by 256-bit SSL Encryption, and is required by the federal government to verify your identity and to provide interest income reporting. Your information is always kept private and will never be shared with anyone.

Okay, now let’s verify your identity.

Verifying your ID now helps expedite opening your account. This process can be securely completed with a webcam-equipped mobile device and only takes a few minutes If you decide to verify using your mobile device, you will recieve a text from "[Effectiv] Cotribute" to start your verification.

You will need one of the following ID documents:<ul><li>Driver’s license</li><li>State ID</li><li>U.S. Passport</li></ul> Your ID's information must match what has been provided in the application.

If you encounter problems with this system or would prefer to validate your ID later, please return to the previous step.

We found existing membership information on file for you. Would you like to use one of the memberships below?

Let's verify your identity

Please choose the deposit products below that you wish to open today.

Let's choose your accounts.

If you have their information available, we can quickly add a joint applicant to your application.

Does anyone else need access to your new account?

We have just a few questions about your joint applicant so we can add them to your application.

Great! Let’s collect information about your joint applicant.

Let us know how we can get in touch with your joint applicant in case we need to.

Next, what is your joint applicant’s contact information?

Please check the box if they have an alternate mailing address.

We use this information to verify your joint applicant is who you say they are. This information is always kept private and will never be shared with anyone. This information is protected by 256-bit SSL Encryption.

What’s their home address?

What’s their mailing address?

This information is protected by 256-bit SSL Encryption, and is required by the federal government to verify your joint applicant’s identity and to provide interest income reporting. This information is always kept private and will never be shared with anyone.

Let’s verify your joint applicant’s identity.

Each new account requires a minimum deposit of $5 to setup your account numbers, online banking access, and more.

How would you like to fund your new account?

Log in to your existing bank to fund your new checking account.

Your account setup is not complete until you make your first deposit. Link your current bank account so we can wirelessly transfer funds as soon as your new account is opened.

By clicking "Link Account", you agree to our partner Plaid’s <a href="https://plaid.com/legal/terms-of-use/" target="_blank">Terms of Use</a> and <a href="https://plaid.com/legal/#consumers" target="_blank">Privacy Policy</a>.

Let’s link your bank account.

Please provide your bank’s account and routing number so we can initiate the ACH transfer to fund your new account with us.

Enter your bank account details.

Please provide your existing share's account number and share ID/suffix.

Enter your existing share details.

How much would you like to deposit into each new account?

Let us know how you are eligible to join RiverLand.

<h2>What you need to know about Overdrafts and Overdraft Fees</h2>An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We are able to cover your overdrafts in two different ways:<ol><li>We offer Courtesy Pay* that comes with your account.</li> <li>We also offer Overdraft Protection, which is a link to your savings account(s) or revolving line of credit loan. This is a more cost effective option than Courtesy Pay. Ask us to learn more about Overdraft Protection.</li></ol>*Subject to account review and approval.<h2>What is the Courtesy Pay program that comes with my account?</h2>We may authorize and pay overdrafts for the following types of transactions:<ul><li>Checks and other debit transactions made using your checking account number</li><li>Automatic bill payments</li></ul>We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.We will not authorize and pay overdrafts for the following types of transactions unless you ask us to:<ul><li>ATM withdrawal transactions</li><li>Everyday debit card transactions</li></ul><h2>What fees will I be charged if RiverLand pays my overdraft?</h2>Under our Courtesy Pay program:<ul><li>We will charge you a fee of $27.50 for each overdraft item we pay.</li><li>There is no limit on the total fees we can charge you for overdrawing your account.</li></ul>For more detailed information about our Courtesy Pay/Overdraft Service, click the &quot;Learn More&quot; button below.<button class="ant-btn ant-btn-dashed" onclick="window.location.href='https://www.riverlandfcu.org/files/riverland/1/file/Privacy_Disclosures/Courtesy%20Pay%201-16.pdf'">Learn More</button>

Overdraft Protection & Courtesy Pay Agreement

By checking this box you agree to our <a href='https://www.riverlandfcu.org/files/riverland/1/file/Privacy_Disclosures/Membership-Booklet.pdf' target='_blank'>Membership Booklet</a>.

By checking this box you agree to the <a href='https://www.riverlandfcu.org/files/riverland/1/file/Privacy_Disclosures/Truth-in-Savings%20Disclosure%2010-18.pdf' target='_blank'>Truth in Savings Disclosure</a>.

Please read and accept these disclosures.

Please review your submission details and send it when you are ready! By clicking the "SUBMIT APPLICATION" button, you promise that everything you have stated in this application is true and correct to the best of your knowledge.

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Thanks for giving us the opportunity to partner with you in your financial goals. We look forward to serving you!