River City Bank

Personal Banking

Bank where you live with River City Bank. We offer all the checking and savings accounts of “big banks” without the unnecessary hassle. Bank wherever and whenever you’d like thanks to our online services, and speak with your neighbors over the phone or in person at any of our seven branch locations.
To read more, select an account type below.

Checking Accounts

Our Free Checking account is your perfect everyday checking account, complete with all the functionalities of online banking, mobile banking, debit cards and is non-interest bearing. This is a great, basic checking account to suit your everyday needs.

  • $50.00 minimum to open.
  • No monthly service charge.
  • No required minimum balance.
OPEN AN ACCOUNT

Our Maximum Checking account is the premier checking account offered by River City Bank. This account offers the same benefits as our Free Checking, combined with high-interest rates for those active account users. Bank customers who utilize their debit card, eStatements, and receive ACHs will receive a premium interest rate.

Account Details
  • $50.00 minimum to open.
  • No required minimum balance.
  • Must meet monthly requirements to obtain premium interest rate.
  • Availability of this account type will be limited to one account per tax identification number. The tax identification number used to make this determination is the tax identification number that is used for interest reporting purposes.
Requirements

The following requirements must be met on a monthly basis to obtain the disclosed premium interest rate.

  • One (1) direct deposit (excludes Zelle® credits).
  • Ten (10) debit card point of sale debit transactions, must post and settle within the statement cycle.
  • Must receive monthly statement only electronically through online banking.
Interest Details
  • If all of the account requirements listed above are not met, your account will earn a lower interest rate.
  • Premium interest rate applies to average daily balances up to $20,000.
  • For accounts with any portion of the average daily balance over $20,000, the portion over $20,000 will earn a lower interest rate.

Our Now Account is an interest-bearing account that is perfect for customers who maintain a daily balance of $1,000.00. The Now Account provides customers with all of the conveniences of debit cards, online banking and mobile banking.

  • $1,000.00 minimum to open.
  • A service charge of $10.00 each month if the balance drops below $1,000.00 any day of the month.
  • You must maintain a minimum daily balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.

Our Super Now Account is a premium interest account for customers who are able to maintain a balance of $2,500.00 or greater. The more money in your account, the more this account pays you. The Super Now Account provides customers with all of the conveniences of debit cards, online banking and mobile banking.

  • $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 $500.00 in the account each day to obtain the disclosed annual percentage yield.

Other Accounts

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.

No matter your age, the Statement Savings Account is your perfect savings account. Saving for that car or a vacation sometime in the future? The Statement Savings Account provides you interest with minimal fees.

  • $5.00 minimum to open
  • A service charge of $5.00 each month if the balance drops below $200.00 any day of the month.
  • One free withdrawal per month. Each additional withdrawal is $4.00 per withdrawal.
  • Youth Savings Accounts are available to persons under the age of 18 or held for persons under the age of 18 by an adult. Age limit may be increased to 25 for students. Bank may require proof of student status. Monthly minimum balance service charges are waived on Youth Savings Accounts.
OPEN AN ACCOUNT

Contributing to an Individual Retirement Account (IRA) is the perfect way to save for your retirement. Contributions may be made to a Traditional IRA or a Roth IRA. Each plan offers favorable tax treatment. 

A Traditional IRA contribution provides tax deferred savings for its participants the year that the contribution is made, whereas the Roth IRA plan offers the tax savings at the time of distributions. 

IRA contributions are placed into 12-month IRA Certificates of Deposits. Contribution limits are set by the IRS and may change yearly. Contact any of our IRA specialists for further information pertaining to our IRAs. (Consult with your tax advisor for eligibility.)

  • 12 Month term.
  • Fixed interest rate on daily balance until maturity.
  • Interest is accrued daily and compounded quarterly.
  • Contribution deposits may be made throughout the year. (Cannot exceed the IRS allowances.)

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 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.

Banking Services

To download the mobile app, visit:

app

googleplay

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.
How to sign-up for eStatements:

To set up your account(s) to receive paperless statements, just follow these easy steps below:

  1. LOG IN to your online banking. If you have not already signed up for online banking, please contact your local branch.
  2. Select an Account
  3. Select Documents
  4. Click Sign Up/Changes
  5. Select accounts that you would like to Enroll.
  6. Click Save
  7. Read the disclosure and then check “I agree.”
  8. You will receive an Enrollment Confirmation email.
        It’s that easy!

If you should have any questions or problems during this process, please call one of our branches and we will be happy to assist you.

What are the benefits of using eStatements?
Safety & Security:
  • By going “paperless,” no one can intercept your mail to steal your account information by digging through your trash or recycling bin.
  • Our online banking process is designed with multiple layers of security with passwords and security questions.
Stay Organized:
  • Access all of your checking and savings account(s) statements in one place.
  • Statements will be sent in PDF format so you can download, print and save them at your convenience.
Less Clutter:
  • Eliminate one more piece of mail coming to your home.
  • Ditch the pile “to be filed” and start saving your statements on your home PC.

Each River City Bank Personal 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 this Consumer Account Fee Schedule.

Consumer Account Fee Schedule

Online Banking & Bill Pay – Online Banking allows you to view the balance and print recent activity from each of your accounts. Bill Pay is offered, free of charge with all of our Personal Online Banking accounts. Bill Payment allows you to make payments to other businesses, merchants, professionals, and individual payees.

Zelle®Zelle® allows you to send and receive money fast through your online banking or mobile banking app. More Info on Zelle. 

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 upon request. See a River City Bank customer service representative for an application, fees and interest rate.

Open an account with us.

We invite you to live local, shop local, and bank local with River City Bank.

We listen, then we lend.

Mortgage

Buying or refinancing? We help make it an easy transition.

Construction

Flexible and convenient financing for all of your construction needs.

Bridge

A stress-free way to purchase a new home and sell an old one.

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