Incision and ensuing widening of alluvial stream channels is widespread in the midsouth and midwestern United States and represents an important form of channel adjustment. Streambanks have been found to contribute as much as 80% of the total suspended load. The location, timing, and magnitude of streambank erosion are difficult to predict. Results from field studies to characterize the resistance of fine-grained materials to hydraulic and geotechnical erosion, the impact of pore-water pressures on failure dimensions and shearing resistance, and the role of riparian vegetation on matric suction, streambank permeability, and shearing resistance are used to enhance the channel evolution model CONCEPTS (conservational channel evolution and pollutant transport system). This paper discusses the conceptualization of the above-mentioned physical processes, and demonstrates the ability of the derived model to simulate streambank-failure processes. The model is tested against observed streambank erosion of a bendw...