Direct deposit on River is live!

Now you have two ways to earn bitcoin with every paycheck. Auto-invest any part of it in bitcoin with zero fees, and any cash you keep earns 3.5%1, paid in bitcoin.

To celebrate, we’re giving away $25,000 in bitcoin!

For a chance to win, set up direct deposit today. The sooner you start, the better your odds of winning.

5 winners, $5,000 each

Here’s how to win:

• Set up direct deposit today Earn an entry for every dollar of your paycheck you receive on River.

• Boost your chances, refer friends Earn extra entries when they receive their paycheck on River.

• More entries, better odds Winners will be randomly selected. Tip the odds in your favor by earning more entries.

Giveaway ends on January 2, 2026. No purchase necessary. Residents of NV, NY, FL, and RI are not eligible for the giveaway. Terms apply.

Your paycheck, two ways to earn bitcoin

Direct deposit gives you two ways to earn bitcoin with every paycheck. It’s an effective, automatic way to build lasting wealth.

Your paycheck should work as hard as you do

Most paychecks lose value over time, on River it’s the opposite.

If you earned $100,000 per year over the past three years, here’s how much it would have grown with direct deposit on River.

Learn more about direct deposit on River. Set up direct deposit in minutes for a chance to win $5,000 in bitcoin.

Direct Deposit FAQs

Are there fees to get paid in bitcoin?

There are zero fees to auto-invest in bitcoin on payroll deposits up to $30,000 per month. Regular fees apply to non-payroll direct deposits.

How do I set up direct deposit?

You can set up your direct deposit on River in just a few minutes from the app. Go to settings and choose how much of your paycheck you’d like to auto-invest in bitcoin.

Read our step-by-step guide on how to set up direct deposit.

How does direct deposit on River work?

When you set up direct deposit in the app, you choose how much of each paycheck you want sent to your River account. The rest will continue to go to your bank as usual. Then you can choose how much of each paycheck sent to River is auto-invested in bitcoin. Any remaining cash earns 3.5%1, paid in bitcoin. You can update these settings at any time.

What are the advantages of direct deposit on River?

With direct deposit on River, every dollar of your paycheck is working for you. You can auto-invest any amount in bitcoin, while the rest earns Bitcoin Interest on Cash. All of it happens automatically—with zero fees.

Does my cash earn interest?

Yes, your cash on River earns 3.5%1, paid in bitcoin and is FDIC insured up to $250,0001. Any amount you do not auto-invest in bitcoin will be deposited as cash.

Can I receive my entire paycheck as cash?

Yes, you can receive your entire direct deposit as cash. Your cash on River earns 3.5%1, paid in bitcoin and is FDIC insured up to $250,0001.

Can I change how much of each paycheck is auto-invested in bitcoin?

Yes, you can change how much of each paycheck is auto-invested in bitcoin at any time.

Can business accounts use direct deposit?

No, direct deposit is currently only available to River clients with Individual accounts.

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1River 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 is 3.5%, 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.

2The chart considers the following inputs over a given time period: Initial Deposit (ID): The amount of cash (USD) that earns interest. Interest Rate (R): The displayed rate offered by River. Bitcoin Price (P): The daily price of bitcoin. Accrued Bitcoin (B): The amount of bitcoin that has been accrued earlier in the time period.

The calculator assumes that over the selected time period, the Initial Deposit and Interest Rate are held constant. Rates are subject to change.

Interest returns are calculated on a daily basis. Returns each day represent the sum of two components: The daily bitcoin earned from interest on the Initial Deposit: ID × (1 + (R / 365)) / P, and the accrued value of all previous daily bitcoin earnings: B × P.

“Returns with the national average” is calculated using the most recent national checking account interest rate 0.07% reported by the Federal Reserve Bank of St. Louis as of 10/20/2025 (Source: FRED Website). As with the calculated Bitcoin returns, this number assumes the same Initial Deposit and holds the APY constant over the selected time period.

Bitcoin paycheck investment is assuming you are paid on a bi-weekly basis, and the selected allocation of bitcoin is auto-invested on that day. Bitcoin’s price performance is based on historical data from October 1, 2022 to October 1, 2025.