Personal Checking Services

Personal Checking Services

CLUB 55

Interest bearing account designed for individuals 55 and older

  • No minimum balance to open or to be maintained.
  • No monthly fee with one direct deposit per month. ($5 monthly fee without direct deposit)
  • One check order per year at no charge
  • 3x5 Safe Deposit box at no charge and a discount on larger sizes
  • Online banking and bill pay at no charge
  • No monthly fee debit card

Smart Choice Checking

Non-interest bearing account for individual or joint depositors

  • $50 minimum opening deposit
  • No minimum balance requirement
  • No monthly service charge
  • Unlimited check writing
  • Unlimited ATM1 or VISA Debit2 card usage
  • No monthly fee debit card

Interest Checking

Interest bearing checking account for individual or joint depositors

  • $500 minimum opening deposit
  • Variable interest credited monthly
  • Unlimited check writing and ATM1 or VISA Debit2 card privileges
  • $2,500 minimum daily balance to avoid a $5 monthly service charge
  • No monthly fee debit card

Select Money Market

Interest bearing, limited transaction account

  • $2,500 minimum opening deposit
  • Variable interest credited monthly
  • $2,500 minimum daily balance to avoid a $10 monthly service charge
  • Activity fee of $5 per transaction for excessive transactions3
  • ATM1 accessible
  • No monthly fee debit card
  1. Transaction fee by ATM owner, other than River Community Bank, N.A. may also apply.
  2. Normal approval required.
  3. Transfer/Withdrawals from your account are limited to four per month or statement cycle.