Personal Banking  

River Bank and Trust is bringing a new era in community banking to the River Region. Our bank is owned by individuals in our community and therefore you can guarantee that we will strive to provide you with the best customer service imaginable.We are proud to offer you several personal banking products and services. Please use the quick links below to navigate to the account you would like more information about:

Quick Links
Free Checking Personal Savings
Interest Checking Money Market
Platinum Checking Youth Savings
Premium Club Benefits Credit Card
Vintage Checking
Need an application? Click here to download the applications you need...

 


Free Checking

  • $100 minimum opening deposit
  • No Monthly Fee
  • No Minimum Balance Requirement
  • FREE Debit Card
  • FREE Internet Banking with Bill Pay
  • Unlimited Check Writing
  • FREE ATM transactions worldwide
  • Overdraft line of credit, Credit Approval Required, $25 annual fee.
  • Overdraft protection- Money Market or savings. $3 fee per transfer.
  • CDARS Network Member

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Interest Checking

  • $100 minimum opening deposit
  • $10 Monthly Fee waived with minimum daily balance of $1,000 or average monthly balance of $2,000
  • Tiered Interest Rates paid on average monthly balances
  • FREE Debit Card
  • FREE Internet Banking with Bill Pay
  • Unlimited Check Writing
  • FREE Check Images
  • FREE ATM transactions worldwide
  • Overdraft line of credit (Credit Approval Required), $25 annual fee.
  • Overdraft protection- Money Market or savings. $3 fee per transfer.
  • CDARS Network Member

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Platinum Checking

  • $2,500 minimum opening deposit
  • $15 Monthly Fee waived with minimum daily balance of $5,000 or average monthly balance of $10,000.
  • Tiered Interest Rates
  • FREE Debit Card
  • FREE Internet Banking with Bill Pay
  • Unlimited Check Writing
  • FREE Check Images
  • FREE ATM transactions worldwide
  • FREE Travelers Cheques
  • FREE Cashiers Checks
  • FREE Bank Stock Checks
  • FREE Overdraft line of credit (Credit Approval Required)
  • FREE Overdraft protection- Money Market or savings account.
  • CDARS Network Member

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Vintage Checking

  • $100 minimum opening deposit
  • Age 55 & Over
  • No minimum balance
  • No monthly fee
  • Unlimited Check Writing
  • FREE Debit Card
  • FREE Internet Banking with Bill Pay
  • FREE Travelers Cheques
  • FREE Cashier Checks
  • FREE Basic Checks
  • Competitive Interest rates paid on average monthly balances
  • FREE ATM transactions worldwide
  • FREE Image Checks
  • Overdraft line of credit (Credit Approval Required), $25 annual fee.
  • Overdraft protection- Money Market or savings. $3 fee per transfer.
  • CDARS Network Member

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Premium Club Benefits

  • $10,000 Accidental Death Insurance
  • ID Theft Insurance up to $10,000
  • Savers Club Book
  • Payment Card Protection
  • RX advantage
  • Key Ring Protection
  • Coast-to-Coast Vision Plan
  • Get Up and Go "Mini Vacation"
  • Free Notary Service
  • 1/2% discount on consumer installment loans with auto debit
  • Free Image checks
  • Monthly fee of $7.95
  • Click here for details!

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Personal Savings

  • $100 minimum opening deposit
  • $2 per month service charge if daily balance drops below $100
  • Interest Paid Quarterly, compounded daily on average monthly balance
  • 2 Withdrawals per Month - $3 fee for each additional withdrawal.

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Money Market

  • $2,500 minimum opening deposit
  • Monthly service Fee of $10 daily balance if drops below $2,500
  • 3 Withdrawals per Month - $5 fee for each additional withdrawal.
  • Tiered Interest Rates paid on average monthly balances
  • Compounded daily on average balance
  • Regulatory limit of 6 pre-authorized debit transactions allowed with no more than 3 third party checks or drafts, $5.00 per additional debit or check/draft. Limit of 6 does not apply to in-person withdrawals or withdrawals at an ATM. Note: If an account continuously exceeds the debit transactions allowed, we are required by law to reclassify or close the account.
  • FREE ATM transactions worldwide
  • FREE Personalized money market checks
  • CDARS Network Member

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Youth Savings

  • $25 minimum opening deposit
  • $2 monthly service charge if daily balance drops below $25
  • 1 Withdrawal per Month - $3 fee for each additional withdrawal
  • Interest Paid Quarterly, compounded daily on average balance
  • Maximum Age of 18 (Eighteen)