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Banking Services

Personal Checking Services

Premiere Banking 
Customers who maintain an average balance of $5,000 or more in personal checking, savings, money market, CDs and/or IRAs; or $10,000 or more in real estate loans, Streamline or Equity Line accounts will qualify for Premiere Banking, which offers "Totally free checking,” a free initial order of image checks, unlimited ATM1 or VISA Debit2 card usage, 1 year rent free on 3x5 safe deposit box, free travelers checks and cashier’s checks, special 6- and 12-month CD rates, discount on new installment loans with auto draft2, no closing costs on Home Equity Line2 of $10,000 or more, no annual fee Streamline Account2, free Notary Public service, no annual fee and no cash advance fee on River Community Bank Classic MasterCard2 or Visa2 Credit Card.

Premiere Plus Banking 
Customers who maintain an average balance of $25,000 or more in personal deposit accounts or $50,000 or more in personal real estate loans, Streamline or Equity Line accounts will qualify for Premiere Plus, which offers Totally free checking,” free image checks as long as qualified for a Premiere Plus Account, unlimited ATM1 or VISA Debit2 card usage, free 3x5 safe deposit box for life (when available and as long as qualified for Premiere Plus), free travelers checks and cashier’s checks, special 6- and 12-month CD rates, discount on new installment loans with auto draft2, no closing costs on Home Equity Line2 of $10,000 or more, no annual fee Streamline Account2, no annual fee and no cash advance fee on River Community Bank Gold MasterCard2 or Visa2 Credit Card.

Totally Free Checking
Non-interest bearing account for individual or joint depositors. $50 minimum opening deposit; no minimum balance requirement; no monthly service charge; unlimited check writing; unlimited  ATM1 or VISA Debit2 card usage.

Interest Checking
Interest bearing checking account with unlimited check writing and ATM1 or VISA Debit2 card privileges to individual or joint depositors, referred to as a “"NOW" account. Variable interest compounded daily and credited monthly. $500 minimum opening deposit; $2,500 minimum daily balance to avoid a $5 monthly service charge.

Select Money Market
Interest bearing, limited transaction account. $2,500 minimum opening deposit. Variable interest compounded daily and credited monthly. $2,500 minimum daily balance to avoid a $10 monthly service charge. Activity fee of $5 per transaction for excessive transactions3.  ATM1 accessible.



Personal Savings Services

Statement Savings3
Interest bearing account. Minimum opening deposit of $50; $50 minimum daily balance to avoid $3 monthly service charge; ATM1 accessible. Interest compounded daily and credited quarterly. Activity fee of $4 per transaction for excessive transactions.

Junior Statement Savings3
For individuals under 18 years of age. Interest bearing account. Minimum opening deposit of $25; no minimum balance required. ATM1 accessible by custodian. Interest compounded daily and credited quarterly.

Certificate of Deposit
Interest bearing account, available to individual or business depositors, guaranteeing a fixed interest rate for a specified length of time. Maturities range from 91 days to 5 years. $500 minimum opening deposit; automatically renewable. Interest compounded quarterly on maturities of 1 year or more; simple interest on maturities of less than 1 year. A penalty will be imposed for early withdrawal.

12-Month No Penalty Certificate of Deposit
Interest bearing account, available to individual or business depositors, guaranteeing a fixed interest rate for 12 months. $2,500 minimum opening deposit; automatically renewable. Interest compounded quarterly. A penalty will be imposed for early withdrawal. However, one (1) penalty free withdrawal allowed per 12-month period.


Individual Retirement Account (IRA)

Custodial account established for individuals for retirement purposes, available in the form of a statement savings or a 12- to 60-month certificate of deposit. Minimum deposit of $500 for CD and $50 for statement savings. CD carries a fixed interest rate for term; variable rate on statement savings. Interest compounded quarterly on CD and monthly on statement savings. May have tax benefits (consult your tax advisor). A penalty will be imposed for early withdrawal.


Other Services

ATM (Automated Teller Machine)/POS (Point of Sale) Card
Convenient 24-hour access to your personal checking, savings, and money market accounts at any ATM1 honoring STAR. You may also use the card to pay for purchases from merchants who have agreed to accept the card at POS terminals within the STAR Network.

VISA Debit Card
The VISA Debit2 card is similar to the ATM/POS1 card, but has enhanced POS access with the VISA2 logo. It can be used at ATM1 machines honoring STAR as well as for Point of Sale Purchases (POS) anywhere that accepts VISA. Purchases are debited from the primary checking account.

Direct Deposit
Payroll, retirement, Social Security, or U.S. government checks directly deposited for safety and convenience.

Safe Deposit Box
Large selection of several sizes. Provides security for valuables and important documents. Contents not FDIC insured.

Funds Transfer Overdraft Protection
Transfers between demand deposit or savings accounts whereby customers are protected from overdrafts and returned checks. Small fee of 50˘ per transfer.

Online Banking
24-hour access to all your accounts, check balances, search for cleared checks, see direct deposits and transfer funds at your convenience.


Business Checking Services


Business Checking
Ideal for businesses that prefer a low activity account. $300 minimum opening deposit; low minimum daily balance requirement of $1,000 per statement cycle to avoid $10 monthly service charge. Up to 125 debit and credit transactions (including checks, ACH drafts, deposits etc.) per month. Night deposit service available. Line of credit available for funds transfers and overdraft protection2.

Business Plus Checking
Ideal for businesses that prefer a low to moderate activity account. $300 minimum opening deposit; low minimum daily balance requirement of $5,000 per statement cycle to avoid $20 monthly service charge. Up to 300 debit and credit transactions (including checks, ACH drafts, deposits etc.). Night deposit service available. Line of credit available for funds transfers and overdraft protection2.

Commercial Checking
Primarily for businesses that require a high activity account. Service charges can be offset by maintaining a sufficient balance monthly (account analysis). $300 minimum opening deposit. Night deposit service available.



Select Money Market
Interest bearing, limited transaction account. $2,500 minimum opening deposit. Variable interest compounded daily and credited monthly. $2,500 minimum daily balance to avoid a $10 monthly service charge. Activity fee of $5 per transaction for excessive transactions3.

Consumer Loan Services2

Personal Loans
Simple interest; flexible repayment terms; life and disability insurance coverage available. Prompt, local decisions.

Streamline Account
Secured or unsecured revolving line of credit from $1,000 to $100,000 with fixed or variable rate option. $15 annual fee.

Overdraft Protection
A credit line established for the sole purpose of providing funds to up to two (2) designated checking accounts to cover check presentment. Simple interest with low monthly payment terms. $20 annual fee.

Equity Line
A revolving line of credit secured by the equity in a primary or secondary residence. Easy access by writing checks. Simple interest loan with low monthly payments. No closing costs for lines over $10,000 (line must remain open for a two year period to qualify). May have tax benefits (consult your tax advisor).

Equity Loan
An adjustable or fixed rate loan secured by primary or secondary residence. Simple interest; flexible terms up to 15 years. Prompt, local decisions. May have tax benefits (consult your tax advisor)

Mortgage Loans
An adjustable or fixed rate secured loan for the purchase or refinance of a house or primary and/or secondary residence. Competitive interest rates.

Visa/MasterCard
Credit cards with fixed and variable rate options. Various cards available with no annual fee; competitive interest rates; prompt decisions.

Business Loan2 & Other Services

Loans
Short- and long-term loans for business or investment purposes; lines of credit. Fixed or variable rate simple interest loans. Competitive interest rates. Prompt, local decisions

Merchant Bank Card
Allows businesses to electronically accept credit and debit cards for purchases.

Corporate Credit Card
Visa/MasterCard account for employees to use for business purposes. Separate account issued for each authorized employee.

Cash Management Sweep
Allows businesses to maximize their earnings and cash flow through overnight investments with competitive interest rates.

Business Online Banking with Biz Pay
24 Hour access to all your business accounts: check balances, pay bills, search for cleared checks, see direct deposits, and transfer funds at your convenience.

1. Transaction fee by ATM owner other than River Community Bank, N.A. may also apply.

2. Normal approval required. 

3. Transfers/Withdrawals from your account are limited to a total of six per month or statement cycle.