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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.

 

Free Checking

Customers can enjoy Free Checking with no minimum balance.

Features include:

  • $100 Minimum deposit to open.
  • No monthly service charges.
  • Non-interest bearing.
  • Unlimited withdrawals.
  • Unlimited checks writing.
  • Unlimited deposits.
  • No teller transaction fees.
  • Imaged statements are required.
  • RNB VISA Debit Card or ATM Card.
  • Overdraft Protection available with approval.

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Personal Checking (Non-Interest Bearing)

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

Features include:

  • $100 Minimum deposit to open.
  • $500 Minimum balance required to avoid the imposition of a fee.
  • Non-interest bearing.
  • Unlimited withdrawals.
  • Unlimited check writing.
  • Unlimited deposits.
  • No teller transaction fees.
  • RNB VISA Debit Card or ATM Card available.
  • Overdraft Protection available with approval.

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Economy Checking

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

Features include:

  • $100 Minimum deposit to open.
  • Low $2.00 monthly service charge.
  • Low $0.30 per-check fee for each check in excess of five per statement cycle.
  • Non-interest bearing.
  • Unlimited withdrawals.
  • Unlimited deposits.
  • No teller transaction fees.
  • RNB VISA Debit Card or ATM Card available.
  • Overdraft Protection available with approval.

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Personal Checking (Interest Bearing)

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

Features include:

  • $100 Minimum deposit to open.
  • $500 Minimum balance required to avoid the imposition of a fee.
  • Interest bearing.
  • Unlimited withdrawals.
  • Unlimited check writing.
  • Unlimited deposits.
  • No teller transaction fees.
  • RNB VISA Debit Card or ATM Card available.
  • Overdraft Protection available with approval.

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Classic Checking

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

Features include:

  • $100 Minimum deposit to open.
  • $10 Monthly maintenance fee.
  • Interest bearing on a minimum balance of $1000.
  • Unlimited withdrawals.
  • Unlimited check writing.
  • Unlimited deposits.
  • No teller transaction fees.
  • Half-price money orders and cashier checks.
  • Half-price on checks of your choice.
  • 25% discount on safe deposit boxes.
  • RNB VISA Debit Card or ATM Card available.
  • Overdraft Protection available with approval.

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Heritage Club Checking

For distinguished customers with a minimum age of 50...

Features include:

  • $100 Minimum deposit to open.
  • Interest bearing on a minimum balance of $1000.
  • Unlimited withdrawals.
  • Unlimited check writing.
  • Unlimited deposits.
  • No teller transaction fees.
  • RNB VISA Debit Card or ATM Card available.
  • Overdraft Protection available with approval.

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Personal Savings

For all customers with savings needs...

Features include:

  • Enjoy high liquidity.
  • $100 Minimum deposit to open.
  • $100 Minimum balance required.
  • Up to six free withdrawals per statement period.
  • Unlimited deposits.
  • No teller transaction fees.

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Looney Tunes Savings

For our distinguished customers under the age of 18...

Features include:

  • Low $25 minimum deposit to open.
  • No monthly maintenance fee.
  • Up to six free withdrawals per statement period.
  • Unlimited deposits.
  • No teller transaction fees.

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Health Savings (HSA)

Designed to help save for future medical expenses...

Features include:

  • $100 Minimum deposit to open.
  • $25 Account set-up fee, waived if you open another account or have existing accounts with us.
  • $100 Minimum balance required.
  • No monthly maintenance fee.
  • Up to six free withdrawals per statement period.
  • Unlimited deposits.
  • No teller transaction fees.
  • HSA VISA Debit Card available only $20.

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Christmas Club

The Christmas Club is a 50 payment savings plan...

Features include:

  • No minimum deposit to open.
  • No minimum balance required.
  • No monthly maintenance fee.
  • Free automatic transfer from your checking account.
  • One withdrawal at the end of the year for Christmas!
  • No teller transaction fees.

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

Features include:

  • $1,000 Minimum deposit to open.
  • $1,000 Minimum balance required.
  • Interest bearing on a minimum balance of $1,000.
  • Up to six free withdrawals per statement period.
  • Earn more interest based on higher balances!.

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Choose Certificates of Deposit 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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Save for retirement as a supplement to Social Security...

Features include:

  • Tax deferred savings.
  • Many terms from which to choose.
  • Roll over existing deferred savings.
  • Fixed or variable rate.

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Business Checking (Non-Interest Bearing)

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

Features include:

  • No minimum deposit to open.
  • No minimum balance required.
  • Low $5 monthly fee.
  • $0.10 per check or withdrawal and $0.05 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:

  • No minimum balance required.
  • Earn interest on balances over $1,000.
  • Low $5 monthly fee.
  • $0.10 per check or withdrawal and $0.05 per item deposited from another bank.

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Economy Business Checking

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

Features include:

  • No minimum balance required.
  • Low $5 monthly fee.
  • $0.30 per check or withdrawal over 20 and $0.05 per item deposited from another bank over 50.

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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.
  • $1,000 Minimum balance required.
  • Up to six free withdrawals per statement period.
  • Earn more interest based on higher balances!

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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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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 Hour hot desk help.
  • Fax on demand.
  • Card Machine.

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ACH offers Merchants the opportunity to utilize Electronic Funds Transfers

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

  • Employer Payroll.
  • Billing Customers Accounts.

 

 

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