Banks kept $433 billion1 from Americans last year.
Banks pay you next to nothing in interest, while taking your deposits, lending them out, and earning huge returns for themselves.
Today, River is launching banking built to put that money back in your pocket. Your River account now works like a bank account.
With a River account, you can:
- Earn 3.3%2 on all of your cash, paid in bitcoin.
- Invest in bitcoin as part of a long-term wealth strategy.
- Receive your paycheck with direct deposit and auto-invest it in bitcoin with zero fees.
- Pay bills using cash or bitcoin3.
You can do all of this with zero account fees. Your cash is always accessible and FDIC insured up to $250,0002. Open an account in minutes to start banking on River4.
The financial system is stacked against savers
Inflation is making it harder than ever to get ahead. Prices are rising faster than wages, and the bar keeps moving.
Since 1971, when the dollar was taken off the gold standard, prices have increased nearly 10x, while wages have only grown about 40%. That gap is why saving feels like running on a treadmill that keeps accelerating.
By offering no meaningful interest, banks make it worse. They make it difficult to hold cash without losing ground to inflation.
Caught between rising prices and zero yield, Americans are increasingly pushed toward risky behavior like speculation and gambling, instead of long-term investing. Financial apps exploit the quiet desperation of Americans by turning their platforms into casinos.
River was built as a direct response to the failures of the financial system.
Banking that grows your wealth, not your bank’s
Here’s how River compares to the three biggest banks. When you see it side by side, it’s clear one model is built to work for you, and the other is built to work for them.
Sources: River.com, Chase.com, WellsFargo.com, and BankofAmerica.com as of February 2026
Banking as it should be
For too long, the deal has been simple: you put up the money, and the bank keeps the profits. River is changing that.
You deserve an account that pays you fairly. If your bank won’t, switch to an institution that will.
It’s time to build an honest and robust financial system for all.
1This figure is derived by aggregating the 2025 Net Interest Income reported by the 25 largest banks in the United States. The combined Net Interest Income of these institutions totaled $433.65 billion. This amount is presented as approximately $1,667 per adult, calculated using an assumed U.S. adult population of 260 million.
2River Financial Inc. (“River”) is not a bank. 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. FDIC insurance may protect against a failure by Lead Bank, but does not protect against River’s failure, nor does it protect against theft or fraud. Bitcoin is not insured by the FDIC, and may lose value.
Interest may be earned on cash that has settled at Lead Bank. The current APY rate as of 12/31/2025 is 3.3%, and is subject to change. You may choose to receive interest payouts in Bitcoin or in USD. Lead is not affiliated with River’s Bitcoin program, products, or offerings. Not available in all states. Fees may apply. Please review the Terms of Service for eligibility restrictions and additional details.
3Clients who are residents of HI, MN, and NJ are currently unable to use their River account to pay bills.
4River is not a bank. Banking services are provided by Lead Bank, Member FDIC.
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