About Incredible Bank

Incrediblebank.com is an online division of River Valley Bank, an FDIC insured financial institution established in 1967. Accounts at Incrediblebank.com are FDIC insured to the maximum allowable limits ($250,000) per depositor (deposits at Incrediblebank will be combined with any deposits you have at River Valley Bank for determining FDIC insurance coverage).
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Overall Rating

MyBankTracker Grade

C
Customer Rating
Based on 5 Reviews
Financial Health
Based on Texas Ratio: 19.84
Bank Fees
vs. Average
Bank Rates
vs. Average
Mobile Banking
Quality of Mobile Services

Customer Reviews

Most Helpful Customer Reviews

eleanorjay's Profile Image

Reviewed by eleanorjay

Nov 10th 2012

4 out of 5 marks

great

I am very pleased with my account and the ease of contacting the bank.

Is this review helpful? ▲ Yes 1 ▼ No 0

adamo010's Profile Image

Reviewed by adamo010

Jun 17th 2013

2 out of 5 marks

Was OK, until

I didn't login for about 12 months. Had $5K there. They then levied a $15 paper statement fee on me because they automatically converted me back to paper statements as I hadn't logged in. But I've been downloading transactions to Quicken for some time.

Called them up, and they refused to waive the fee.

Frankly not at all what I want in a financial institution. There are many online banks and I recommend folks put their money at a bank that doesn't have customer unfriendly policies such as this.

Is this review helpful? ▲ Yes 1 ▼ No 0

Sam R's Profile Image

Reviewed by Sam R

Mar 9th 2011

1 out of 5 marks

The only thing incredible about this place are the fees.

You know how most banks will reverse a fee as a one-time courtesy if you make a mistake and let your account balance get too low? Not this place. I did my banking here for over a year before I got sick of not being able to reach anyone regarding my account. Find a local credit union or competent online bank (or hell, stick it under the mattress) before putting your money here.

Is this review helpful? ▲ Yes 2 ▼ No 0

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Bank Rates

NAME RATE (APY) MIN TO EARN APY Min Deposit
Incredible Money Market

0.05%

$250,000

$2,500

Incredible Money Market

0.95%

$0

$2,500

NAME RATE (APY) MIN TO EARN APY Min Deposit
Incredible Checking

0.05%

$250,001

$1,000

Incredible Checking

0.59%

$1

$1,000

TERM RATE (APY) Min Deposit
9 Month CD

0.65%

$10,000

13 Month CD

0.80%

$10,000

19 Month CD

1.06%

$10,000

Banking Fees

Type Fee National average
Monthly Inactivity

N/A

$7

Non-Sufficient Fund (Overdraft)

$34

$30

Stop Payment item

$29

$27

Return Deposit

$34

$14

Domestic Wire Transfer (Outbound)

$20

$22

Domestic Wire Transfer (Inbound)

$5

$9

Non-Bank ATM

N/A

$1