RiverA 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.
River
Crypto exchange · 2 live offers, $100 cash
River has 2 live sign-up bonuses we track, the biggest $100. 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.
Live offers
Bitcoin ReferralCrypto exchange · Referral bonus$100Checked Aug 21, 2026Bitcoin Interest on CashBank account · Nationwide3.30% APYChecked Aug 20, 2026
Common questions
What sign-up bonuses does River have right now?
River has 2 live sign-up bonuses, the biggest $100. See the full list above, each verified against River's own terms.
Does River use ChexSystems?
Not applicable
Does opening a River account affect my credit?
Typically no hard credit inquiry to open
