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.
On-The-Go Checking Account
Minimum Balance to Open: $10
Benefits
Details
Value Checking Account
Minimum Balance to Open: $10
Benefits
Details
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
Cash Booster Money Market Deposit Account
| Monthly Maintenance Fee | Daily Minimum Balance | Tier | Interest Rate | Annual Percentage Yield | Minimum Balance To Open Account | Minimum Balance to Earn APY | Rates Current As Of |
|---|---|---|---|---|---|---|---|
| $12.00 | $2,500 | $10.00 - $2,499.99 | 0.05% | 0.05% | $100.00 | Bal.>$9.99 and <$2,500.00 | 10/9/2026 |
| $2,500 - $9,999.99 | 2.96% | 3.00% | $100.00 | Bal.>$2,499.99 | 10/9/2026 |
Looking for Another Option? Visit a Branch and Talk to One of Our Banking Specialists.
Compare Accounts
Not sure which account to choose? Use this chart to find out which one’s right for you.
| Features | Cash Booster Money Market | On-The-Go Checking | Online Checking Account | Honest Checking | Student Checking | Value Checking1 |
|---|---|---|---|---|---|---|
| Open an account | Open account | Open account | Open account | Open account | Open account | Open account |
| Minimum balance to open | $10 | $10 | $10 | $10 | $10 | $10 |
| Minimum daily balance requirement to avoid monthly maintenance fee | $2,500 | $100 minimum daily balance2 | No | No | No | No |
| Monthly maintenance fee | $123 | $3.992 | No | $5 | No | No |
| Interest earning | Yes4 | No | No | No | No | No |
| Minimum daily balance to earn annual percentage yield | $10 | No | No | No | No | No |
| ATM surcharge rebate | No | Yes | No | No | Yes | No |
| Free MasterMoney™ Debit Card | No | Yes | Yes | Yes | Yes | Yes |
| ATM use and rebates | No | RCB will not charge its cardholders to use any ATM5. RCB will rebate surcharge fees for this account. | RCB will not charge its cardholders to use any ATM.5 | RCB will not charge its cardholders to use any ATM.5 | RCB will not charge its cardholders to use any ATM5. RCB will rebate surcharge fees for this account. | RCB will not charge its cardholders to use any ATM.5 |
| Online banking / Bill pay | Yes | Yes | Yes | Yes | Yes | Yes |
| Additional terms | No | No | No | Yes6 | No | No |
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 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.
- 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 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.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.
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