Overview
You can fund your River account through Bank (ACH) Transfers or Wire Transfers. This guide will walk you through the process for funding your account with both a bank transfer and a wire transfer. For wire transfer instructions, click here.
Initiating a Bank (ACH) Transfer
You can fund your River account via the web or via our iOS mobile app. For mobile app instructions, click here.
Link a Bank Account
Before initiating an ACH deposit to River, you will need to link a bank account. You can follow our full guide on how to link a bank account here.
Web Instructions
1. First, log in to your River account.
2. From your home screen, you can click "Transfer" in the navigation bar at the top of your screen.
3. On the transfer page, you will have the choice to transfer cash or bitcoin. Select "Transfer Cash" and click "Next".
4. Select "Deposit to River Account" and click "Next" to initiate a deposit.
5. Next, you will be asked to choose your payment method. To initiate an ACH deposit, select "Bank Transfer (ACH)" and click "Next".
6. You will now be asked to select the bank account from which you will withdraw the funds and the River account into which you wish to deposit the funds. Lastly, you can specify the amount for the deposit. Please note that there is a $100 minimum for ACH transfers. When you have completed this section, click "Next" again.
7. Finally, please confirm your deposit details, including the amount, the bank account from which you are withdrawing, and the River account to which you are depositing. If all the information looks correct, click "Confirm" to initiate the ACH deposit.
8. You should see the following confirmation screen once your deposit has been initiated. The funds will be withdrawn from your bank account within 3-4 days.
Mobile Instructions
1. Navigate to the River Financial app. Select the gold icon at the bottom of the homepage.
2. Select “Transfer Cash.”
3. Select “Deposit Cash.”
4. Please select “Bank Transfer (ACH).”
5. Enter the amount of cash you would like to deposit into your River account. Please note that there is a $100 minimum for ACH transfers.
6. Review the preview of your deposit and make sure that everything looks good. Once reviewed, hit the “Deposit Now” button to process the transfer.
7. Once completed, you will see the following screen confirming your transfer. Your changes will now be reflected on your River account.
Initiating a Wire Transfer
You can currently only initiate a wire transfer via the web. This feature will be coming to our iOS mobile app soon.
Web Instructions
1. First, log in to your River account.
2. From your home screen, you can click "Transfer" in the navigation bar at the top of your screen.
3. On the transfer page, you will have the choice to transfer cash or bitcoin. Select "Transfer Cash" and click "Next".
4. Select "Deposit to River Account" and click "Next" to initiate a deposit.
5. Next, you will be asked to choose your payment method. To initiate a wire transfer, select "Wire Transfer" and click "Next".
6. You will now be asked to specify the amount for the deposit. Please note that there is a $10,000 minimum for wire transfers. When you have completed this section, click "Next" again.
7. Finally, please confirm your deposit details. If all the information looks correct, click "Get Instructions."
7. Once completed, you will see the following screen with your wire transfer instructions. Please use these wire instructions to deposit cash into your account. Make sure you include the Memo/Reference Code to prevent any delays for your cash deposit. Once received by River, you will receive an email confirmation and the wired funds will be reflected in your cash balance on River.
