Personal Services

Business Services

Personal Services

Business Services

To learn about deposit insurance and estimate insurance coverage on your accounts visit  The Federal Deposit Insurance Corporation (FDIC) website at http://www.fdic.gov/deposit/deposits/index.html.

New customers can enjoy Free Checking with no minimum balance, no monthly service charges, check imaging and unlimited check writing privileges. 

Features include:

• Minimum to Open: $100.00
• Minimum for No Service Charge: $0.00
• Monthly Services Charge: $0.00
• Interest Bearing: No
• Maximum withdrawals: Unlimited
• Maximum Checks Written: Unlimited
• Maximum Deposits: Unlimited
• Teller Transaction Fees: $0.00
• Imaged Statements: Required
• RNB VISA Debit Card or ATM Card
• Overdraft Protection: With Approved Credit

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A packaged account offering a variety of products for a flat monthly fee...

Features include:

• Unlimited check writing

• No minimum balance required

• Collected balances over $1,000 will earn interest

• No service charge on ATM or Visa Banking Card for the 1st year with approved credit

• No service charge on travelers checks

• 1/2 price on money orders and cashier checks

• 1/2 price on checks of your choice

• 25% discount on safe deposit boxes

• $5 deposited to a savings account when opened with Classic Checking

• All for a $10 monthly fee

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For customers having higher monthly balances and average check writing activity...

Features include:

• Earn interest on collected balances over $500

• Maintain a $500 minimum balance - $9 per month service charge if balance falls below minimum - $ .20 per check over 20

• Access the account with an ATM or Visa Banking Card - $12 annual fee - with approved credit 

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For customers with average balances and average check writing activity...

Features include:

• Write up to 20 checks per month

• Maintain a $500 minimum balance - $7 per month service charge if balance falls below minimum - $ .20 per check over 20

• Access the account with an ATM or Visa Banking Card - $12 annual fee - with approved credit

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For customers with lower monthly balances and lower check writing activity...

Features include:

• No minimum balance required

• Low $2 monthly fee plus $ .30 per check for each over 5

• Access the account with an ATM or Visa Banking Card - $12 annual fee - with approved credit 

Revolving credit account available on all accounts with approved credit

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Choose a money market investment account to earn high interest while maintaining liquidity...

Features include:

• Write up to 3 checks and make up to 3 other withdrawals per month

• $5 fee for any withdrawal over 6

• Maintain a $1,000 minimum balance - $15 per month if balance falls below minimum

• Earn tiered market interest rates on collected balances - Rate Tiers $0 - $24,999/$25,000 - $49,999/$50,000 & Over

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Choose CDs for fixed term investing....

Features include:

• Earn high CD rates

• Lock in for short or long fixed terms

• Many interest payout options

• Penalty for early withdrawal

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Choose to invest in a savings account for your savings needs....

Features:

• Enjoy high liquidity

• Low $100 minimum balance required - $2 fee if balance falls below minimum - does not apply to student or minor accounts

• Withdraw up to 6 times per month - $1 fee per withdrawal over 6

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Features:

• Low $25.00 deposit required to open account

• No monthly maintenance fee

• Withdraw up to 6 times per month

• Ages 0-18

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Christmas Club is a 50 payment savings plan, available in various denominations.  Use the account to earn interest and save for holiday purchases.

Ask about our automatic savings option. We'll set up an automatic transfer from your checking account to your Christmas Club account.

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Features:

• Tax deferred savings

• Many terms from which to choose

• Choose to roll over existing deferred savings

• Fixed or variable rate

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For customers with average monthly balances and average check writing activity...

Features include:

• No minimum balance requirement
• Low $5 monthly fee
• $.10 per check or withdrawal and $.05 per item deposited from another bank
• A market rate earnings credit offsets service charges

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Business Checking (Interest Bearing)

For customers qualifying for interest, choose this account for the most in convenience and maximized earnings...

Features include:

• Earns interest on collected balances over $1,000

• No minimum balance requirement

• Low $5 monthly fee

• Low $. 10 per check or withdrawal and $.05 per item deposited from another bank

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Economy Checking

For businesses with lower balances and lower checking activity...

Features include:

• No minimum balance requirement

• Low $5 monthly fee

• $ .30 per check or withdrawal over 20 and $. 12 per item deposited from another bank over 50

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• Rate Information - Your Interest rate and annual percentage yield may change
• Frequency of rate changes - We may change the interest rate on your account at any time
• Determination of rate - At our discretion, we may change the interest rate on your account
• Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month
• Minimum balance to open the account - You must deposit $100.00 to open this account
• Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield
• Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day
• Accrual of interest on non-cash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks)

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Choose a money market investment account to earn high interest while maintaining liquidity... Features include:

• Write up to 3 checks and make up to 3 other withdrawals per month

• $5 fee for any withdrawal over 6

• Maintain a $1,000 minimum balance - $15 per month if balance falls below minimum

• Earn tiered market interest rates on collected balances - Rate Tiers $0 - $24,999/$25,000 - $49,999/$50,000 & Over

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Choose CDs for fixed term investing....

• Earn high CD rates

• Lock in for short or long fixed terms

• Many interest payout options

• Penalty for early withdrawal

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Merchant Service allows merchants the ability to process Master Card, Visa Card, Discover Card, and American Express transactions. This service has the potential to increase merchants profitability.

Merchants must come into any of our 4 locations to apply for these services. Just ask for a New Accounts Representative.

In addition to the potential increase in profitability you will receive the following benefits:

• 24 hr hot desk help

• Fax on demand

• Card Machine

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ACH offers Merchants the opportunity to utilize Electronic Funds Transfers

• Employer Payroll
• Billing Customers Accounts

Merchants must come into any of our 4 locations to apply for these services. Just ask for a New Accounts Representative.

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