FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Personal Checking
Everything You Need in a Checking Account.
We offer the kind of checking account features we seek out for ourselves. From rebates on ATM fee surcharges* to free checking accounts to seamless mobile banking, RCB has you covered.
Green On-The-Go Checking Account
Minimum Balance to Open: $10
Benefits
Details
Value Checking Account
Minimum Balance to Open: $10
Benefits
Details
Green Online Checking Account
Minimum Balance to Open: $10
Benefits
Details
Student Checking Account
Minimum Balance to Open: $10
Benefits
Details
Honest Checking Account
Minimum Balance to Open: $10
Benefits
Details
Looking for Another Option? Visit a Branch to Explore These Accounts.
While many of our accounts can be opened online, for the ones outlined below, we need to see you in person. So, stop by a branch near you, and we’ll make it worth your while.
Compare Accounts
Not sure which account to choose? Use this chart to find out which one’s right for you.
| Features | Green On-The-Go Checking | Value Checking1 | Green Online Checking | Student Checking | Value NOW Checking | Honest Checking | Money Market Deposit Accounts | Cash Booster Money Market |
|---|---|---|---|---|---|---|---|---|
| Open an account | Open account | Open account | Open account | Open account | Find branch | Open account | Find branch | Open account |
| Minimum balance to open | $10 | $10 | $10 | $10 | $10 | $10 | $10 | $10 |
| Minimum daily balance requirement to avoid monthly maintenance fee | $100 minimum daily balance2 | No | No | No | $500 minimum daily balance or direct deposit3 | No | $2,500 | $2,500 |
| Monthly maintenance fee | $3.992 | No | No | No | $103 | $5 | $124 | $125 |
| Interest earning | No | No | No | No | Yes6 | No | Yes7 | Yes7 |
| Minimum daily balance to earn annual percentage yield | No | No | No | No | $10 | No | $10 | $10 |
| ATM surcharge rebate | Yes | No | No | Yes | No | No | No | No |
| Free MasterMoney™ Debit Card | Yes | Yes | Yes | Yes | Yes | Yes | No | No |
| ATM use and rebates | RCB will not charge its cardholders to use any ATM8. RCB will rebate surcharge fees for this account. | RCB will not charge its cardholders to use any ATM.8 | RCB will not charge its cardholders to use any ATM.8 | RCB will not charge its cardholders to use any ATM8. RCB will rebate surcharge fees for this account. | RCB will not charge its cardholders to use any ATM.8 | RCB will not charge its cardholders to use any ATM.8 | No | No |
| Online banking / Bill pay | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Additional terms | No | No | No | No | No | Yes9 | No | No |
Click Here for Value NOW Checking Rates
| Tier | Interest Rate | Annual Percentage Yield1Annual Percentage Yield (APY) is accurate as of date stated below. All rates, except fixed rate certificates of deposit, are variable and subject to change without notice and may change after account opening for each variable rate account. You must maintain a minimum balance of $10 in the account each day to obtain the disclosed APY. Fees and withdrawal may reduce earnings on accounts. The minimum daily balance tiers to earn the APY stated on this rate page reflects the full tier balance ranges for each appropriate tier. APY results when interest is left on deposit to compound daily on a basis of 365/365 days. All deposits are FDIC insured to at least $250,000. DIF insures all additional deposits. Rates current as of 06/08/2026. | Minimum Balance To Open Account | Minimum Balance to Earn APY | Rates Current As Of |
|---|---|---|---|---|---|
| 0.01% | 0.01% | $10.00 | $10.00 and More | 6/8/2026 |
- Annual Percentage Yield (APY) is accurate as of date stated below. All rates, except fixed rate certificates of deposit, are variable and subject to change without notice and may change after account opening for each variable rate account. You must maintain a minimum balance of $10 in the account each day to obtain the disclosed APY. Fees and withdrawal may reduce earnings on accounts. The minimum daily balance tiers to earn the APY stated on this rate page reflects the full tier balance ranges for each appropriate tier. APY results when interest is left on deposit to compound daily on a basis of 365/365 days. All deposits are FDIC insured to at least $250,000. DIF insures all additional deposits. Rates current as of 06/08/2026.
Click Here for Money Market Rates
| Tier | Interest Rate | Annual Percentage Yield2Annual Percentage Yield (APY) accurate as of the date stated below. All rates, except fixed rate certificates of deposit, are variable and subject to change without notice and may change after account opening for each variable rate account. You must maintain the minimum daily balance listed in the account disclosure, if any, to earn the advertised APY. Fees and withdrawal may reduce earnings on accounts. The minimum daily balance tiers to earn the APY stated on this rate page reflect the full tier balance ranges for each appropriate tier. APY results when interest is left on deposit to compound daily on a basis of 365/365 days. All deposits are FDIC insured to at least $250,000. DIF insures all additional deposits. Rates current as of 06/08/2026. | Minimum Balance To Open Account | Minimum Balance to Earn APY | Rates Current As Of |
|---|---|---|---|---|---|
| Under $2500 | 0.05% | 0.05% | $10.00 | Bal.>$9.99 and <$2,500.00 | 6/8/2026 |
| $2,500 - $9,999.99 | 0.05% | 0.05% | $10.00 | Bal.>$2,499.99 and <$10,000.00 | 6/8/2026 |
| $10,000 - $24,999.99 | 0.05% | 0.05% | $10.00 | Bal.>$9,999.99 and <$25,000.00 | 6/8/2026 |
| $25,000 - $49,999.99 | 0.05% | 0.05% | $10.00 | Bal.>$24,999.99 and <$50,000.00 | 6/8/2026 |
| $50,000 - $99,999.99 | 0.05% | 0.05% | $10.00 | Bal.>$49,999.99 and <$100,000.00 | 6/8/2026 |
| $100,000 & Over | 0.10% | 0.10% | $10.00 | Bal. $100,000 and More | 6/8/2026 |
- Annual Percentage Yield (APY) accurate as of the date stated below. All rates, except fixed rate certificates of deposit, are variable and subject to change without notice and may change after account opening for each variable rate account. You must maintain the minimum daily balance listed in the account disclosure, if any, to earn the advertised APY. Fees and withdrawal may reduce earnings on accounts. The minimum daily balance tiers to earn the APY stated on this rate page reflect the full tier balance ranges for each appropriate tier. APY results when interest is left on deposit to compound daily on a basis of 365/365 days. All deposits are FDIC insured to at least $250,000. DIF insures all additional deposits. Rates current as of 06/08/2026.
Click Here for the Comparison Table Disclosures
- An 18/65 checking account with special benefits is available for individuals age 18 and under or 65 and older.
- Monthly Maintenance Fee waived if minimum daily balance is maintained.
- Monthly Maintenance Fee waived if minimum daily balance is maintained or if you have automatic direct deposit to this account. Direct Deposit is required at least once per monthly statement cycle to avoid the monthly fee.
- Monthly Maintenance Fee of $12.00 if Minimum Daily Balance of $2,500.00 is not maintained.
- Monthly Maintenance Fee of $12.00 if the balance in the account falls below $2,500.00. Fees may reduce the earnings on the account. This is a tiered rate. Rate may change after the account is opened. Annual Percentage Yield (APY) accurate as of 06/08/2026.
- Fees may reduce the earnings on the account.
- Multiple tiers with various interest rates are available. Competitive rates offered.
- Other ATM operators may impose a surcharge fee. FDIC insures up to $250,000; DIF insures additional deposits.
- Overdrafts – (Overdraft Items or Returned Items by Check, ATM, Debit Card, POS Transactions, ACH, or other means.) Overdrafts not permitted on this account may occur.
We will not charge an insufficient fee under the following circumstances:
Returned Deposited Items – An item deposited to the account is returned unpaid and the amount of the item exceeds the balance in the account.
Temporary Debit Authorization – On debit card purchases, merchants may initially authorize a transaction for a specified sum of money when the merchant does not know the exact amount of the purchase at the time the card is authorized. Some common transactions where this occurs involve purchases of gasoline, hotel rooms, or meals at restaurants. When this happens, our processing system cannot determine that the amount of the final transaction exceeds the actual balance of your account. When the final transaction amount is processed, the transaction may exceed the balance of your account, resulting in an overdraft.
An 18/65 checking account with special benefits is available for individuals age 18 and under or 65 and older.Monthly Maintenance Fee waived if minimum daily balance is maintained.Monthly Maintenance Fee waived if minimum daily balance is maintained or if you have automatic direct deposit to this account. Direct Deposit is required at least once per monthly statement cycle to avoid the monthly fee.Monthly Maintenance Fee of $12.00 if Minimum Daily Balance of $2,500.00 is not maintained.Monthly Maintenance Fee of $12.00 if the balance in the account falls below $2,500.00. Fees may reduce the earnings on the account. This is a tiered rate. Rate may change after the account is opened. Annual Percentage Yield (APY) accurate as of 06/08/2026.Fees may reduce the earnings on the account.Multiple tiers with various interest rates are available. Competitive rates offered.Other ATM operators may impose a surcharge fee. FDIC insures up to $250,000; DIF insures additional deposits.Overdrafts – (Overdraft Items or Returned Items by Check, ATM, Debit Card, POS Transactions, ACH, or other means.) Overdrafts not permitted on this account may occur.
We will not charge an insufficient fee under the following circumstances:
Returned Deposited Items – An item deposited to the account is returned unpaid and the amount of the item exceeds the balance in the account.
Temporary Debit Authorization – On debit card purchases, merchants may initially authorize a transaction for a specified sum of money when the merchant does not know the exact amount of the purchase at the time the card is authorized. Some common transactions where this occurs involve purchases of gasoline, hotel rooms, or meals at restaurants. When this happens, our processing system cannot determine that the amount of the final transaction exceeds the actual balance of your account. When the final transaction amount is processed, the transaction may exceed the balance of your account, resulting in an overdraft.
We will not charge an insufficient fee under the following circumstances:
Returned Deposited Items – An item deposited to the account is returned unpaid and the amount of the item exceeds the balance in the account.
Temporary Debit Authorization – On debit card purchases, merchants may initially authorize a transaction for a specified sum of money when the merchant does not know the exact amount of the purchase at the time the card is authorized. Some common transactions where this occurs involve purchases of gasoline, hotel rooms, or meals at restaurants. When this happens, our processing system cannot determine that the amount of the final transaction exceeds the actual balance of your account. When the final transaction amount is processed, the transaction may exceed the balance of your account, resulting in an overdraft.
Hello, Neighbor
Find the branch closest to you.
Ready to Bank Online?
Manage your accounts on the go.
Make the Switch to RCB
We make it simple. Get in touch today.
