River City Bank

Business Banking

As a locally-owned bank ingrained within our community, we know Louisville business and we support Louisville business. Our business banking services are competitive because we believe by working together we can ensure continued growth for all local businesses, including your own.

See below to find the account type that is right for you, or give us a call and we’ll help you open your account today.

Checking Accounts

Business Checking

Regular Business Checking

$100.00 minimum to open.

Number of Monthly Items Allowed:

200 items per month. Items include each deposited item, all ATM/Debit Card debits/credits, ACH debits/credits, AFT debits/credits, withdrawals, checks, deposit tickets, and charge tickets.
A monthly service charge of $0.20 for each item that exceeds 200 items in a month.

Additional Service Charges for Money Service Business (MSB) and Non-Bank Financial Institutions (NBFI):

The bank will assess a monthly service charge to be determined at the banks discretion.
This monthly service charge will be subject to change based on the account activity and monitoring.

Other Accounts and Services

Money Market Account

Our Money Market Account offers you the ability to earn interest. We have created a tiered-rate account that rewards you with a higher rate of interest as your balance grows.

$2,500.00 minimum to open.
A service charge of $10.00 each month if the balance drops below $2,500.00 any day of the month.
This account has three (3) interest rates that are applicable to specified balance levels.
You must maintain a minimum daily balance of $500 in the account each day to obtain the disclosed annual percentage yield.

Certificate of Deposit

A Certificate of Deposit (CD) is a safe and secure way to invest your money. Your return will be your original deposit, plus the interest you earn. The interest paid to you depends upon the current interest rate and the length of time you choose to leave your money on deposit

Maturity terms available from 91 days to 48 months.
Minimum to open varies depending upon term length.
Fixed interest rate on daily balance until maturity.
Terms of less than 12 months, interest is accrued daily and compounded at maturity.
Terms of 12 months or greater, interest is accrued daily and compounded quarterly.
Online Banking access to your certificate of deposits.
Ability to combine your certificate of deposit to your monthly checking account statement.

Merchant Services

We offer Merchant Accounts!

Our Merchant Service Provider is Merchant’s Pact. For more information, please contact Greg Schlegel.

Greg Schlegel
Director of Sales
Phone: (502) 290.2218
Email: [email protected]

Merchant PCI Compliance Program

PCI Compliance Manager

For assistance, you may contact Compliance Support at 866.957.1807.

Cash Management Services

Our Cash Management Services are able to help businesses simply and efficiently manage their funds. Our customers depend on effective cash flow in order to maintain operations running smoothly. River City Bank provides services to help every business, regardless of size.

ACH – Deposit or receive funds with multi-user access from your office. Utilizing ACH deposits can make billing or payroll a breeze.

Bill Pay – Be in control of your own payments. The Business Bill Pay program allows for you to run accounts payable from anywhere.

Merchant Capture – All of the convenience of a teller line in your office. River City Bank’s merchant capture program allows for you to deposit checks from your own desk.

Reciprocal Deposits – Would you like to access multi-million-dollar FDIC protection on your deposits, earn interest, and enjoy flexibility at the same time? Now you can through reciprocal deposits.

Positive Pay – Our tool for business customers to help detect check fraud. It reduces the risk of losing money due to fraudulent activity.

If you are interested in any of these great services, please contact your branch!

Mobile Banking

All current online banking customers have access to use River City Bank’s mobile banking via the RCB Go App. In order to access mobile banking, you must first sign into your online banking at least one time.

To download the mobile app, visit:

With mobile banking, you have the convenience of viewing account balances and transaction history, transferring funds, and locating nearby branches or ATMs. You can also deposit checks and pay bills on the go! Whether you want to download the app, use our mobile web browser, or simply receive text notifications, we have a mobile banking product that fits your needs. Our new enhanced mobile banking product is fully integrated with our online banking product and uses one convenient set of credentials to log in to either service.

Fee Schedule

Each River City Bank Business Banking account comes with online banking, mobile banking, eStatements and bill pay.

River City Bank is proud to offer several products and services to our customers. Some of these services come with various fees. Please be sure to review the Account Fee Schedule.

ACCOUNT FEE SCHEDULE

Other Services

Online Banking & Bill Pay – Online Banking allows you to view the balance and print recent activity from each of your accounts.

eStatements – To save paper and time, you have the option to receive your statements via online banking. eStatements allow you to view, print and/or save your statements at your convenience.

Mobile Banking – Mobile Banking allows you to utilize the services of Online Banking from the convenience of your mobile device(s) through our iPhone and Android applications, and mobile browser-based banking.

Autobooks – Autobooks is a tool for business customers that allows you to send invoices, accept payments and keep track of customers from inside online banking. More info on Autobooks.

Credit Cards – Ask us about our River City Bank MasterCard credit card. This card can be used anywhere displaying the MasterCard logo. Credit card applications are available on request. See a River City Bank customer service representative for an application, fees and interest rate.

Open an account with us.

Every business is different and we understand that. In order for us to provide the correct business banking account for you, we would like to encourage you to visit any of our convenient locations in order to speak with someone from our knowledgeable and friendly team.

Loan Applications

Please choose from one of the following applications to download for your specific loan needs. If you need assistance, you can contact a loan officer during our regular business hours.