Account visibility
Operating, reserve and payroll balances with same-day activity.
The business account, in one workspace
Balances, payments, approvals and reporting for finance teams that need to see the position and act on it without switching systems.
River Gem Connect
A clear service, delivered by bankers
Connect is included with business banking. It is built for the person who initiates the payment and the person who releases it, with a record that both can rely on.
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.
See Connect with a bankerThe service
What is available
Payment initiation
ACH, domestic wire and international payment requests.
Approvals
Role-based initiation and release, with amount thresholds.
Receivables
Lockbox, remote deposit and merchant reporting in one view.
Statements
Monthly statements, CSV exports and reconciliation reports.
FX
Cross border payments through our correspondent network.
Designed around approval, not around a dashboard
Every payment has an initiator, a reviewer and a timestamp. Above the business's threshold, release requires a second person. The record is visible to both and exportable for the auditor.
Access
Connect runs in the browser and on a phone. There is no separate downloads page: the experience is responsive and the same controls apply on every device.
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.