Personal Checking
Whether you're looking for basic checking or want to earn interest on your money,
Riverside Community Bank has an account for you! All of our checking products provide you with:
- Free Online Banking to access your account at no charge for balance inquiries,
transaction information and statement history - Free Bill Pay
- Free RCB Debit Card**
Cash Rewards Checking
Cash Rewards Checking isn’t like other checking accounts that require high balances or charge monthly fees to earn interest.
Cash Rewards Checking offers 6.01% APY* and Free ATMs nationwide, along with some great benefits.
- Free Checking
- Free Debit Card**
- Free Online Banking
- Free Bill Pay
- No Minimum Balance Requirement
- No Monthly Fees
- ATM Fees are automatically refunded
Always earn interest, regardless of your balance!
- 6.01% APY* on balances of $.01 to $20,000
- 1.51% APY* on balances over $20,000
- 0.25% APY* on balances even when you don't meet the 3 easy steps!
Just Three Easy Steps to Earn Bonus Rates and Free ATMs Nationwide***
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A.
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Use your FREE Debit Card**
Make purchases without writing checks using our FREE VISA® Debit Card. Simply have 12 or more signature-based purchases posted within the monthly qualification cycle. |
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B.
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Make an automatic payment or direct deposit
Have one or more automatic payment (like a utility bill) or direct deposits each month. |
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C.
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Go electronic and eliminate paper statements with FREE eStatements
Each month we’ll send you an email to tell you your statement is ready to view online. You must have a valid email address to receive notification. |
We want to REWARD you for helping us operate more efficiently. If you don't do everything you need to do to get the Rewards one month, don't worry - you still have a great free checking account, and you can try again to meet the requirements the next month.
Ready to start earning? Stop in today and open your Cash Rewards Checking account!
More Information- Signature vs. Pin transactions – the difference is important to understand
- Frequently Asked Questions
- VISA® Debit Card – it’s the easy way to pay more…
- eStatement Enrollment
*Cash Rewards Checking requires $25 opening balance; no minimum balance thereafter. If requirements are met during statement cycle, 6.01% Annual Percentage Yield (APY) (Cash Reward) is paid up to $20,000. On any balance above $20,000, 1.51% APY is paid. If requirements are met during the statement cycle, ***ATM surcharge fees of up to $20 per statement cycle will be refunded. Requirements for earning Cash Rewards and fee refunds include: 12 debit transactions in statement cycle (ATM transactions excluded), and electronic statement delivery, and one direct deposit or ACH debit per statement cycle. APY accurate as of 1/14/08. Rates and terms subject to change without notice. ** Replacement/Lost Card Fees May Apply. At the present time, Riverside Community Bank is accepting accounts only from its local service areas.
Checking Plus
This no-minimum-balance account earns interest, provides access to free and discounted banking services, and gives you discounts on many non-banking services that enhance the way you live. The low monthly fee of $6.00 entitles you to these special values:
- Free printed checks
- Free cashiers checks, travelers checks, and money orders
- Free check images included in your statement
- Discount on mortgage closing costs
- Discount on a safe deposit box
- Accidental Death and Dismemberment Insurance4
- Identity Theft Insurance
- Payment Card Protection
- ID Network Safety Program
- RX Advantage™ Prescription Drug Program1
- Coast To Coast Vision Plan1
- Purchase Protection and Extended Warranty
- Savers Club® Book (includes discounts on hotels, car rentals, movie tickets, local dining
and attractions, shopping and much more)
You also get free Online Banking and Bill Pay, and a free VISA® Debit Card2. Overdraft Privilege is also available up to $5003.
Free Checking Package
Our free checking is more than a basic account. With no minimum balance requirement and no monthly service charge, you get unlimited check writing, free Online Banking, free Bill Pay and a free VISA® Debit Card2. Only $25 required to open your account. Overdraft Privilege3 up to $300 is also available on this account.
Regular Checking
A no-frills checking account for those who prefer to receive check images with their monthly statement. Maintain a $300 minimum daily balance or a $500 monthly average balance to avoid a $5.00 monthly service charge. You get free Online Banking and Bill Pay and a free VISA® Debit Card2. Overdraft Privilege3 up to $500 is also available on this account.
Interest Checking
If you prefer to earn interest on your basic checking account, Interest Checking is for you. Maintain a $500 minimum daily balance or a $1,000 monthly average balance to avoid a $6.00 monthly service charge. You get free Online Banking and Bill Pay and a free Visa® Debit Card2. Overdraft Privilege3 up to $500 is also available on this account.
Money Manager 5000
Money Manager 5000™ is an interest bearing deposit account that acts like a checking account, savings account, or short-term investment rolled into one convenient account. It becomes the type of account you want it to be, and requires only a $5,000.00 monthly balance to avoid a $10.00 monthly service charge. You get free Online Banking and Bill Pay and a free VISA® Debit Card2. Overdraft Privilege3 up to $500 is also available on this account.
1 This is not insurance.
2 Lost/Replacement card fees apply. Some states permit local financial institutions the option of surcharging for ATM transactions. Riverside Community Bank cannot control surcharges charged to your account by other financial institutions.
3 **$28.00 for each overdraft advance, created by check, in-person withdrawal, ATM withdrawal or other electronic means. Overdrive Privilege balances must be repaid in 30 days. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically don't pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts.
4 NOT FDIC INSURED * MAY LOSE VALUE * NO BANK GUARANTEE * NOT A DEPOSIT * NOT INSURED BY ANY FEDERAL GOVERNMENT ENTITY.
