Free Business Checking
- $100 minimum opening deposit
- No minimum balance required
- FREE- first 250 transaction items per month; thereafter, $.25 per item. See Fee Schedule for other fees that may affect your account.
- FREE debit card
- FREE Internet Banking with Bill Payment
- Overdraft protection- Commercial Money Market or Business Savings required. $3 fee per transfer
- Overdraft line of credit (credit approval required)
- Monthly statement
- CDARS Network Member
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Basic Business Checking
- $100 minimum opening deposit
- $20 monthly fee waived with minimum balance of $10,000 or average monthly balance of $20,000 in River Bank and Trust checking and/or money market accounts
- FREE- first 500 transaction items per month; thereafter, $.25 per item
- FREE debit card
- FREE Internet Banking with Bill Payment
- Overdraft protection- Commercial Money Market or Business Savings required. $3 fee per transfer
- Overdraft line of credit (credit approval required)
- Monthly statement
- CDARS Network Member
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Commercial Checking
- $100 minimum opening deposit
- $12 maintenance fee- per item fees as follows:
$.07 - checks deposited
$.13 - paid items/debits
$.25 - credits
- Earnings credit less 10% reserve requirement offers an offset to fees. See Fee Schedule for other fees that may affect your account.
- FREE debit card
- FREE Internet Banking with Bill Payment
- Overdraft protection- Commercial Money Market or Business Savings required. $3 fee per transfer
- Overdraft line of credit (credit approval required)
- Monthly statement
- CDARS Network Member
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Interest Business Checking
- Available to non-profit, public funds and sole proprietor only
- Competitive interest rate paid on average monthly balances
- Interest paid monthly
- $100 minimum opening deposit
- $10 monthly fee waived with minimum balance of $1,000 or average monthly balance of $2,000 (No minimum balance requirements for non-profits)
- Compounded daily on average balance less a 10% reserve requirement
- FREE debit card
- FREE Internet Banking with Bill Payment
- Unlimited check writing
- FREE check images
- FREE ATM transactions worldwide
- Overdraft protection- Commercial Money Market or Business Savings required. $3 fee per transfer
- Overdraft line of credit (credit approval required)
- Monthly statement
- CDARS Network Member
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Business Savings
- Competitive interest rate paid on average monthly balances
- Interest paid quarterly; Compounded daily on average monthly balance
- $100 minimum opening deposit
- No monthly fee with $100 daily minimum balance. $2.00 monthly balance fee if daily balance drops below minimum
- 2 withdrawals per month; $3 fee for each additional withdrawal. See Fee Schedule for other fees that may affect your account
- Quarterly statement
- CDARS Network Member
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Commercial Money Market
- Competitive interest rate paid on average monthly balances
- $1,000 minimum opening deposit
- $15 monthly fee waived with minimum daily balance of $2,000 or average monthly balance of $4,000
- Interest paid monthly; Compounded daily on average monthly balance
- Regulatory limit of 6 pre-authorized debit transactions allowed with no more than3 third party checks or drafts; $5 per additional debit or check /draft. Limit of 6 does not apply to in-person withdrawals or ATM withdrawals. Note: If an account continuously exceeds the debit transactions allowed, we are required by law to reclassify or close the account.
- See Fee Schedule for other fees that may affect your account.
- Monthly statement
- CDARS Network Member
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