River

Crypto exchange · 1 live offer,

River at a glance

ChexSystems	Some banks screen new accounts with ChexSystemstypical
Credit pull	Typically no hard credit inquiry to open a deposit accounttypical
Cooldowns	New customers only; the bonus is usually not repeatable for 12 to 24 monthstypical

Rows marked typical are the norm for this kind of institution, not something we have confirmed for River. We replace them with its own terms as its offers are reviewed.

River has 1 live sign-up bonus we track. Every offer below is verified against River's own terms and carries the date we last checked it. We take no affiliate placement, so what appears and in what order reflects the offers, not payouts.

A bitcoin financial-services company, not a chartered bank, and its own disclosure is explicit: "River Financial Inc. (\"River\") is not a bank." USD balances reach deposit insurance through a partner: "USD funds are deposited by Lead Bank, Member FDIC. Your USD is FDIC insured up to $250,000, inclusive of any deposits that you already hold at Lead Bank in the same ownership capacity", so the $250,000 is shared with anything else you keep at Lead Bank rather than being additional to it. Interest on cash may be taken in bitcoin or in USD, and bitcoin itself is not insured. Its ChexSystems posture and credit-pull behaviour have not been researched yet.

Live offers

Bitcoin Interest on CashBank account · Nationwide3.30% APYChecked Aug 3, 2026

Common questions

What sign-up bonuses does River have right now?

River has 1 live sign-up bonus. See the full list above, each verified against River's own terms.

Does River use ChexSystems?

Some banks screen new accounts with ChexSystems

Does opening a River account affect my credit?

Typically no hard credit inquiry to open a deposit account