Business Checking
No monthly fee, 200 free transactions and a $500 opening deposit.
A business account that knows the contracts behind it
Operating accounts, reserves and payments for veteran owned firms, defense adjacent suppliers and the companies that serve military communities.
Business banking
A clear service, delivered by bankers
Open a business checking account with no monthly fee and 200 free transactions, then add the reserve and payment tools the business actually needs.
Next step
Tell us what you need. A banker will reply within one business day with the right person, the documents we need and a clear timeline.
Start a business conversationBusiness accounts are subject to entity and beneficial-ownership verification. Most applications are reviewed within one to two business days.
The service
What is available
Business Savings
A separate reserve for taxes, payroll and the next contract.
Business Money Market
A tiered deposit account for larger operating balances.
Certificates
Fixed term deposits for money the business will not need this quarter.
Payments
ACH, domestic and international wires with published cut-off times.
Cards
Business debit cards with separate limits for each signer.
Built for owner operators
A veteran owned business often has one person handling finance alongside operations. The account is designed to be read quickly: what came in, what is committed and what is left.
- Named banker for the business
- Separate reserve account
- Published wire and ACH cut off times
- Online statements and CSV export
What we need to open
We verify the legal entity, its beneficial owners and the person authorized to open the account. A banker will send a short document list once we understand the structure.
- EIN or tax identifier
- Formation documents
- Beneficial ownership information
- Government issued ID for each signer
Related services
Where this connects
Commercial lending
Lines of credit, equipment, owner occupied real estate and SBA loans for the business itself.
ExploreTreasury management
ACH, wires, Positive Pay and reporting for a finance team with real payment volume.
ExploreRiver Gem Connect
The business banking workspace for balances, payments, approvals and statements.
Explore
Open an account
Your next pension day can be the first clear one.
Most personal applications take about eight minutes. You will get a decision, a routing number for DFAS and a named banker not a waiting list.
River Gem Bank is a California state-chartered bank. Deposits are FDIC insured up to $250,000 per depositor, per ownership category.