Flow forward with checking that costs you nothing.
Free mobile banking, free Visa® debit, free bill pay, free checks, and dividends on balances of $30 or more. Member-owned since 1935, and still people helping people.
Everything you need for everyday banking.
Rivertrust free checking keeps daily banking simple, accessible, and member-focused — with easy access through debit card, checks, online banking, and direct deposit.
Free Mobile & Online Banking
Secure Virtual Branch access on any device — balances, transfers, alerts, and mobile check deposit.
Free Visa® Debit Card
Accepted everywhere, with card controls to lock, unlock, and track spending right from the app.
Free Bill Pay & Zelle®
Schedule recurring payments, manage due dates, and send money from one dashboard.
Free Checks & e-Statements
One box of checks per year, no per-check charges, and paperless statements whenever you want them.
Earn Dividends
Your checking earns on balances of $30 or more. Surplus earnings come back to members, not shareholders.
Free Direct Deposit
Fast, secure, and up to two days early — just sign up and your pay arrives sooner.
Your checking account, working harder in the background.
Round-Up Savings
Link a savings account and we’ll round up your debit purchases, dropping the change into savings automatically.
Learn more →Manage My Card
Control where and how your cards are used, add them to digital wallets, and set custom alerts.
Learn more →uChoose Rewards
Earn four ways — debit purchases, checking referrals, loan referrals, and free basic estate planning.
View rewards →Trends Dashboard
See balances across institutions, build a budget in minutes, and track spending by category.
Learn more →People helping people since 1935.
Our mission is to improve the financial success of our members. As a member-owned, not-for-profit financial cooperative, Rivertrust returns value through dividends, lower loan rates, and better products — not shareholder profit.
Read our storyMembership is easier to qualify for than you’d think.
You can join Rivertrust FCU if you live, work, attend school, worship, volunteer, or regularly conduct business in our trade area. Employees of our select employee groups qualify too — and once you’re in, your family and household members are eligible for life, regardless of changes in employment.
What do I need to open an account?
A government-issued photo ID, your Social Security number, and proof of eligibility for membership. You can start the whole thing online in about ten minutes.
Is the checking account really free?
Yes — no monthly service charge and no per-check charges. Mobile banking, bill pay, e-Statements, direct deposit, and your Visa® debit card are included, plus one box of checks per year.
How do I move my direct deposit?
Give your employer our routing number (265377345) and your new account number, or bring your paystub to the Pearl office and we’ll complete the form with you. Sign up for direct deposit and your funds can arrive up to two days early.
Where can I get to my money?
Use the Culiance ATM network and CO-OP Shared Branching nationwide, along with online and mobile banking. Shared Branching members must conduct all transactions in the lobby.
Are my deposits insured?
Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government, National Credit Union Administration.
Open online, or come see us in Pearl.
Lobby & Drive-Thru Hours
Wednesday: 9:00 AM – 4:30 PM
Friday drive-thru until 5:00 PM
PO Box 97997, Pearl, MS 39288
Member Support
1-800-445-0372
1-855-894-8719
1-800-472-3272
1-800-558-3424
Free checking, and a credit union that answers to you.
About ten minutes online, or stop by 409 Riverwind Drive in Pearl.