Escrow deposit accounts
Segregated accounts for closing and settlement funds.
Funds accounted for at every step
Residential and commercial closings, with the banking side coordinated alongside a licensed escrow partner.
Escrow & settlement
A clear service, delivered by bankers
River Gem provides the deposit and payment infrastructure for escrow and settlement flows. The licensed escrow officer remains responsible for the escrow itself; we make the money movement and reconciliation clean.
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.
Speak to a settlement bankerEscrow services are provided by a licensed escrow partner. River Gem does not act as an escrow officer.
The service
What is available
Wire execution
Domestic wires with callback verification and same day cut offs.
Disbursement
Coordinated payoffs, seller proceeds and fee disbursements.
Reconciliation
Statements and transaction records that match the closing statement.
Fraud controls
Verified instructions and out of band confirmation for changes.
One contact
A banker who knows the closing calendar and the file.
A coordinated closing
The escrow officer controls the conditions and the disbursement instructions. River Gem confirms the account, executes the wire and returns the confirmation to the file. Nothing about the escrow responsibility moves to the bank.
Wire fraud is the real risk
Closing wire instructions change more often than people expect. We verify changes by phone using a number already on file, never by reply to an email. That single control prevents most of the losses in this area.
Related services
Where this connects
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.