Personal Checking

Fee Free Checking Account

  • No monthly maintenance fee
  • No minimum balance to avoid fee
  • Unlimited check writing
  • Free ATM transactions

SMART Checking Account

  • Interest checking for individuals whose account activity is electronic (see requirements below)
  • No monthly maintenance fee
  • No minimum balance to avoid fee
  • Interest credited monthly
  • Free ATM transactions
  • Unlimited check writing
  • Interest compounded daily as follows:

$0 – $25,000.00
$25,000.01 & over

To earn the SMART checking rate, just meet the following requirements:

  1. Complete, post and clear at least 12 debit card purchases each statement cycle (excluding ATM transactions)
  2. Complete, post and clear at least one direct deposit or ACH debit each statement cycle
  3. Receive your monthly statement electronically

If the requirements are not met, your account will still earn interest but at a lower rate.


Personal Checking Account with Interest

  • Monthly maintenance fee of $6.00
  • Interest credited monthly
  • Interest compounded daily as follows:

$0 – $2,499.99
$2,500 – $9,999.99
$10,000 – $24,999.99
$25,000 – $49,999.99
$50,000 – and over

  • Unlimited check writing
  • Free ATM transactions

Preferred Personal Checking Account with Interest

  • Monthly maintenance fee of $25.00
  • Avg. daily balance to avoid fee is $10,000.00
  • OR combined daily deposit balances to avoid fee is $20,000.00
  • Interest credited monthly
  • Interest compounded daily as follows:

$0 – $2,499.99
$2,500 – $9,999.99
$10,000 – $24,999.99
$25,000 – $49,999.99
$50,000 – $99,999.99
$100,000 – $249,999.99
$250,000 and over

  • Unlimited check writing
  • Free ATM transactions

River City Ramblers Checking Account

  • Checking for individuals age 50 years young and older
  • No monthly maintenance fee
  • Interest credited monthly
  • Interest compounded daily as follows:

$0 – $2,499.99
$2,500 – $9,999.99
$10,000 – $24,999.99
$25,000 – $49,999.99
$50,000 – and up

  • Unlimited check writing
  • Free River City Bank checks
  • Free ATM transactions

*See MiscellaneousServices/Fees for Additional Information

River City Bank. Passion Service Excellence