Checking
Checking designed with you in mind
We offer the kind of checking account features we’d want for ourselves. Worried about ATM fees? We offer rebates of other banks’ surcharges*. On the hunt for a free checking account? We’ve got you covered. Can’t make it to a branch? Our mobile app's always just a tap away.
On-The-Go Checking Account
Whether you’re traveling the country, heading off to college, or work out of town, you can visit any ATM, no matter what the bank, and we'll rebate their fees.
- Monthly maintenance fee of $3.99 is waived if the $100 minimum daily balance is met
- RCB will not charge its cardholders to use any ATM and will rebate unlimited surcharge fees per statement cycle
Minimum balance to open
$10
Features
Free online, mobile & telephone banking and bill pay; free MasterMoney™ Debit Card
Green On-The-Go Checking Account
- Get your monthly eStatement sooner, without waiting for the mail to arrive
- Open your account online at a time that's convenient for you
- RCB will not charge its cardholders to use any ATM will rebate unlimited surcharge fees per statement cycle
Minimum balance to open
$10
Features
Free online, mobile & telephone banking and bill pay; free MasterMoney™ Debit Card
Value Checking Account
Is your bank draining your account each month? Say goodbye to the monthly maintenance fee.
- No monthly maintenance fee
- RCB will not charge its cardholders to use any ATM6
Minimum balance to open
$10
Features
Free online, mobile & telephone banking and bill pay; free MasterMoney™ Debit Card
Green Online Checking Account
Open this account from your couch and declutter your life with eStatements.
- Get your monthly eStatement sooner, without waiting for the mail to arrive
- Open your account online at a time that’s convenient for you
- RCB will not charge its cardholders to use any ATM6
Minimum balance to open
$10
Features
Free online, mobile & telephone banking and bill pay; free MasterMoney™ Debit Card
Student Checking Account
Student Checking is FREE and has no monthly maintenance fee.
- RCB will not charge its cardholders to use any ATM6 and will rebate unlimited surcharge fees per statement cycle
- FREE 24-hour online, mobile and telephone banking
- FREE online bill paying
Minimum balance to open
$10
Features
Free online, mobile & telephone banking and bill pay; free MasterMoney™ Debit Card
Value NOW Checking Account
This interest-bearing account offers a competitive annual percentage yield.*
- $500 minimum daily balance or a direct deposit will waive the $10 monthly maintenance fee
- RCB will not charge its cardholders to use any ATM6
Minimum balance to open
$10
Features
Free online, mobile & telephone banking and bill pay; free MasterMoney™ Debit Card
Honest Checking Account
Honest Checking allows you to make payments when, where and how you want to: Checks, Debit Cards, Bill Payments, and ATM's.
- RCB will not charge its cardholders to use any ATM6
- No Inactivity Fees
Minimum balance to open
$10
Features
Free online, mobile & telephone banking and bill pay; free MasterMoney™ Debit Card
*Click here for Value NOW Checking Rates
* Annual Percentage Yield (APY) of 0.01% 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 11/08/2024.
| Features | On The | Green On-The-GoOpen this account from your couch and declutter your life with eStatements. | Value1Is your bank draining your account each month? Say goodbye to the monthly maintenance fee. | Green OnlineOpen this account from your couch and declutter your life with eStatements. | StudentStudent Checking is FREE and has no monthly maintenance fee. | Value NowThis interest-bearing account offers a competitive annual percentage yield if you keep a $10 minimum daily balance. | HonestHonest Checking allows you to make payments when, where and how you want to: Checks, Debit Cards, Bill Payments, and ATM's. Find a branch or open an account below. |
|---|---|---|---|---|---|---|---|
| Minimum Balance to Open | $10 | $10 | $10 | $10 | $10 | $10 | $10 |
| Minimum Daily Balance Requirement to Avoid Monthly Maintenance Fee | $100 Minimum Daily Balance2 | $100 Minimum Daily Balance2 |  | | | $500 Minimum Daily Balance or Direct Deposit 3 | |
| Monthly Maintenance Fee | $3.992 | $3.992 | | | | $103 | $5 |
| Interest earning | | | | | |  5 | |
| Minimum Daily Balance to Earn Annual Percentage Yield | | | | | |
$10 | |
| ATM surcharge rebate | | | | | | | |
| Free MasterMoney™ Debit Card | | | | | | | |
| ATM Use and Rebates | RCB will not charge its cardholders to use any ATM6. RCB will rebate surcharge fees for this account. | RCB will not charge its cardholders to use any ATM6. RCB will rebate surcharge fees for this account. | RCB will not charge its cardholders to use any ATM6. | RCB will not charge its cardholders to use any ATM6. | RCB will not charge its cardholders to use any ATM6. RCB will rebate surcharge fees for this account. | RCB will not charge its cardholders to use any ATM6. | RCB will not charge its cardholders to use any ATM6. |
| Online Banking/Bill Pay | Free | Free | Free | Free | Free | Free | Free |
| Additional Terms | Accounts opened online require e-statements and enrollment in Online Banking. | Accounts opened online require e-statements and enrollment in Online Banking. | | Accounts opened online require e-statements and enrollment in Online Banking. | Accounts opened online require e-statements and enrollment in Online Banking. | | 4 |
Click here for the small print
1An 18/65 checking account with special benefits is available for individuals age 18 and under or 65 and older.
2Monthly Maintenance Fee waived if minimum daily balance is maintained.
3Monthly 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.
4Overdrafts - (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.
5Fees may reduce the earnings on the account.
6Other ATM operators may impose a surcharge fee. Use our ATM Locator to find in-network (MoneyPass®) ATMs.
FDIC insures up to $250,000; DIF insures additional deposits.
