Property management
Operating and owner funds accounts, assessment lockbox and scheduled owner disbursements.
Banking for money that answers to someone else
Operating, reserve, trust and settlement accounts for the businesses that hold other people's money with the controls and records their boards, clients and auditors expect.
Specialty banking
A clear service, delivered by bankers
Specialty banking is not a side desk at River Gem. It is a set of deposit and payment accounts built around fiduciary responsibility: separate ledgers, dual approval, read-only oversight and statements that reconcile without a spreadsheet rebuild.
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.
Talk to a specialty bankerSpecialty accounts are subject to entity, trust and beneficial-ownership verification. A banker will confirm the account structure before opening.
The service
What is available
HOA and condominium
Separate operating, reserve and special assessment accounts with read-only board access.
Escrow and title
Segregated settlement accounts, verified wire instructions and closing calendar coordination.
Law firm trusts
IOLTA and client trust accounts with three-way reconciliation support and dual approval.
Exchange accommodators
Exchange proceeds accounts with deadline tracking alongside the client's qualified intermediary.
Fiduciaries and nonprofits
Accounts for RIAs, trustees, insurance premium trusts and mission driven organizations.
Controls that survive turnover
Boards, partners and fiduciaries change. The account should not depend on one person remembering a password. We document the roles, the approval matrix and the annual review so a new treasurer or managing partner can take over cleanly.
- Dual approval on disbursements
- Positive Pay and verified wire callbacks
- Read only access for boards and supervisors
- Annual signer and authorization review
What onboarding looks like
A banker maps the entity structure, confirms who can move money and sets the reporting before the first deposit. For trust and escrow accounts, we also review the governing instrument and the disbursement authority.
- EIN, formation documents and beneficial ownership information
- Trust, escrow or engagement documents where relevant
- Board resolution or signer authority
- Government issued ID for each authorized signer
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.