FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Built for Non-Profits, Not for Profits.
Non-profits play a vital role in building strong, thriving communities. At RCB, we’re here to help you help others with tailored support for your unique needs. Discover how you can simplify your organization’s finances so you can focus on making a difference.
All Deposits are FDIC and DIF Insured.
DIF is a private deposit insurance fund that provides additional protection for depositors in Massachusetts.
DIF insures all deposits above the FDIC limits, up to the full amount of the deposit.
Non-Profit Services
Easy Business Checking Account
An easy and affordable account for businesses with a lower monthly transaction volume.
$5
Monthly Maintenance Fee
$1,000
Daily Minimum Balance1
150
Free Monthly Transactions2
Additional Features:
- Free Business MasterMoney™ Debit Card
- Secure electronic access
- RCB will not charge its cardholders to use any ATM3
1 Minimum Deposit of $100.00 to open an account. Monthly Maintenance Fee of $5.00 if the balance in the account falls below $1,000.00.
2 $0.50 for any additional transactions.
3 Other ATM operators may impose a surcharge fee.
Enterprise Business Checking Account
FOR LARGER ORGANIZATIONS
A full-featured account for businesses with moderate to high transaction volumes.
$10
Monthly Maintenance Fee
NO
Daily Minimum Balance1
NO
Max Limit on Transactions
Additional Features:
- Daily collected balance generates earnings allowance used to offset some fees
- An array of optional treasury management services available
- Optional secure electronic access with user controls to delegate tasks and manage employee authorization
- Free Business MasterMoney™ Debit Card
- RCB will not charge its cardholders to use any ATM2
1 Minimum Deposit of $100.00 to open an account.
2 Other ATM operators may impose a surcharge fee.
Cash Booster Business Money Market Account
Earn competitive interest while maintaining access to funds for your organization’s operating and reserve needs.
$12
Monthly Maintenance Fee1
$2,500
Daily Minimum Balance2
3.00%
APY (Annual Percentage Yield)2
Additional Features:
- Multiple tiers with various interest rates available
- Competitive rates
1 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.
2 Minimum Deposit of $100.00 to open an account. Monthly Minimum Balance of $2,500.00 or more required to obtain Annual Percentage Yield of 3.00%
Treasury Management
Meet with Our Treasury Management Expert
We will work with you to understand your organization and help you navigate the services that best address your financial needs.
Available Solutions:
- Business Online Banking
- ACH Origination1
- Positive Pay
- Mobile Deposit
- Lockbox1
- Sweep Processing
- Remote Deposit Services1
- Merchant Services
- Payroll and HR Services
1 Subject to credit approval.
Christopher Dias, CTP
VP, Director of Treasury Management
Ready to Support Your Mission?
Submit a grant application or visit a branch and one of our experts will help you navigate your non-profit’s finances.
MEET OUR EXPERTS
Kerry Ranieri
VP, Community Banking & Development Officer
Jesús Suriel
VP, Community Banking & Development Officer
Our Commitment to Community
For over 135 years, RCB has strived to keep the communities we serve financially strong, sustainable, and vibrant. Our bank is made up of community members just like you, which means we’re passionate about making the world a better place for our team and our neighbors alike.
From the bank and Reading Cooperative Charitable Foundation initiatives to free financial literacy and community development programs, we’re always looking for new ways to make a difference and help our communities thrive.
Lawrence Community Room
We offer the Community Room, located in our 215 Canal St branch in Lawrence, MA, to anyone in the community to reserve and use at no charge. Our doors are open for those who need a place to hold meetings, seminars, and other public events in a clean, modern space.
Be the Banking Boss
Our powerful online banking puts you in control.
Keep that Cash Flowing
After the draw period, the repayment period begins and both principal and interest are due, so your payment may increase.
Need a Loan?
From real estate loans to lines of credit, we’ve got you covered.
Ready to Get Started?
