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Personal Checking Accounts

Our personal checking accounts are built for real people with real priorities—like getting paid, keeping track of spending, and having easy access to your money whenever (and wherever) you need it. We make managing your money simple, flexible, and secure, whether you’re paying bills, grabbing coffee, or transferring funds on the go.
A checking account is more than just a place to keep your money—it’s your financial basecamp.
  • Direct deposit from work? We’ve got you.
  • Pay bills online? Yep, easy and free.
  • Need a debit card for everyday purchases? Of course.
  • Want to check your balance from your phone? You bet.

With a Richwood Bank checking account, you’ll have the tools to spend confidently, track your transactions, and stay in control.

Choose the Account That Works for You

Thrive Checking

BEST FIT: Perfect for when you want rewards for your everyday banking habits

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Advantage Checking

BEST FIT: When you maintain high balances and want to earn interest.

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Premier Checking

BEST FIT: You want free checking and free checks.

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No matter which option you choose, each Richwood checking account includes features you’ll love:
  • Free Online + Mobile Banking – Check your balance, pay bills, and transfer funds 24/7
  • Instant Issue Debit Card – Walk out of the branch with your card ready to go
  • Card Control App – Turn your card on/off, set alerts, even manage travel plans
  • eStatements – Secure, paperless access to your monthly activity
  • Bill Pay – Schedule one-time or recurring payments with ease
  • Mobile Check Deposit – Snap a pic, deposit on the go
  • Digital Wallet Compatibility – Add your card to Apple Pay or Google Pay for faster, safer payments

Special Checking Accounts

We know teaching your child about money is one of the most important lessons you can give them. That’s why we offer Embark Kids and Embark Teens—two checking account options designed to grow with your child and help them learn financial responsibility at every stage.

Embark Teens: Ages 13–17

For older kids ready to take their next financial step, Embark Teens is a checking account that provides more independence while keeping you in the loop. It’s a great way for your teen to practice managing money, especially if they have a part-time job.

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Embark Kids: Ages 8–17

Perfect for younger kids, this account offers a hands-on way to understand saving, spending, and earning. With parent-supervised access, your child can begin building healthy financial habits in a safe, controlled environment.

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Ready to open an account?

Schedule time with a Richwood customer specialist for an in-branch appointment. 

Schedule Appointment

How it works >>

1

Pick your time

Avoid the possible wait and know we'll be ready to assist you when you arrive
2

Complete the fillable form

Fill out the account opening information to save you time at your scheduled appointment
3

Choose your preferred branch

Select the branch location you would like to open an account with
4

Confirm your appointment

Click the "Book this appointment" button and we'll be excited to see you soon
Savings

Savings Accounts for Every Goal

Whether you save a little or a lot, we have a savings account that will fit your needs and make it easy to reach your goals.

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Online Banking

24/7 Control of Your Finances

With just a few clicks, customers can check account balances, review transactions, and transfer funds between accounts.

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