Help Center

A personal account takes about eight minutes online, followed by a banker review. Business accounts take longer because we verify the entity and its beneficial owners, which is a regulatory requirement rather than a preference usually one to two business days once the documents are complete.

No minimum balance on personal checking. Business accounts and certificates each publish their own opening requirement on the rates page.

Bring or send a board resolution or operating agreement authorizing the change, plus identification for the new signer. A banker will confirm the change in writing once it is live.

Yes. Contact the service center and they will confirm the balance, move the remaining funds, and close it. We recommend leaving the account open until any scheduled payments have cleared.

Call the service center. A banker will verify you against information already on the account and restore access the same day.

Transfers between your own River Gem accounts are reviewed and posted by a banker. Domestic wires sent before 2:00pm PT settle the same business day; later than that, or at a weekend, they settle the next business day.

Yes. Photograph the front and back through online banking. Funds are normally available after banker review, and the screen will tell you if the check needs to be brought in instead.

Call the 24/7 fraud line. A banker can freeze the card immediately and reverse the freeze if you find it. That is better than a cancellation if the card is simply misplaced.

Two years of business returns or personal tax returns, six months of bank statements, and a summary of what the funds are for. For SBA lending, add the business plan and a personal financial statement.

It depends on the product, the term, and the strength of the application. Published rates are the starting point; the rate you are offered is confirmed in writing before you sign anything, and there is no penalty for asking.

Yes, on our term loans there is no early repayment penalty. Some specialist products carry a prepayment schedule, which is always shown in the disclosure before you accept.

Call the 24/7 fraud line immediately. Report it as soon as you notice it the sooner a transaction is reported, the more can usually be recovered.

Do not click anything in it. Forward it to the service center and then delete it. We will never ask for a full password, a one time code, or a card PIN by email, text, or phone.

No. Not a password, not a one time code, not a PIN. Anyone who does is not calling from the bank, regardless of what the number on your phone says.