One bank, the whole financial life
A pension account, a savings reserve, a rollover, a business or a board account the same banker can connect them without moving you into a different queue.
Personal
Start with the account that fits the month
Personal accounts can be opened online. A banker reviews the application and follows up with the verification steps.
Military Retired Pay Account
Pension-day visibility, an automatic reserve and a clear month ahead.
Learn moreSavings and certificates
High-yield savings and fixed-term certificates with published rates.
Learn moreRetirement and rollovers
Retirement deposits and a documented TSP or 401(k) rollover review.
Learn moreOpen a personal account
A three step application, reviewed by a banker no branch visit required.
Learn moreBusiness and specialty
Accounts with more than one person in the room
Owner-operators, boards, fiduciaries and property managers get the controls, reporting and named banker the relationship requires.
Business accounts
Operating, reserve and money market accounts for owner-operated firms.
Learn moreCommercial lending
Lines of credit, equipment, real estate and SBA-guaranteed loans.
Learn moreSpecialty and HOA banking
Fiduciary, property management and association accounts with board controls.
Learn moreTreasury management
ACH, wires, Positive Pay and reporting for businesses with real volume.
Learn moreWays to bank
The same account, wherever you are
No separate app credentials and no second set of records. The experience adapts to the screen and keeps the same security controls.
More from River Gem
Specialty, platforms and community
The pages behind the core accounts. Each one is a live service, program or team inside the bank.
Specialty & institutional
- Escrow & settlementSegregated closing funds, verified wires and reconciliation.
- HOA bankingOperating, reserve and assessment accounts with board access.
- Specialty bankingFiduciary, property-management and law-firm accounts.
- 1031 exchangeProceeds accounts coordinated with the qualified intermediary.
- Industries we serveThe sectors around Newport Beach and the accounts they use.
Lending & platforms
- SBA lending7(a), 504 and Express lending for eligible businesses.
- Commercial real estateMultifamily, mixed-use, retail, office and industrial loans.
- River Gem ConnectThe business workspace for payments, approvals and reporting.
- Lending client portalDocuments, conditions, draw requests and annual reviews.
- Private bankingA named banker for complex personal and business lives.
