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RCB Bank Product Disclosures

1. Business Checking

When you use a terminal not owned by us, the ATM owner/operator may charge additional fees.

2. Business Interest

A fee will be charged when the average collected balance is negative. This fee is determined based on the Federal Funds Rate plus 4%. Interest paid on every dollar of collected balance less reserve requirement. When you use a terminal not owned by us, the ATM owner/operator may charge additional fees. Annual Percentage Yield (APY) accurate as of 2/15/18 and subject to change at the bank’s discretion. Rate may change after the account is opened. Fees could reduce the earnings on the account.

3. Business Money Market

Annual Percentage Yield (APY) accurate as of February 20, 2019, and subject to change at the bank’s discretion. Rate may change after the account is opened. Fees could reduce earnings. $2,500 minimum balance to open account. Federal Regulation D limits withdrawals or transfers from money market accounts to six (6) per monthly statement cycle. If you exceed the federal limits on withdrawals, you will be notified and your account may be converted to another account type. Item images are available at no additional cost via e-Statement. If you prefer item images on your paper statement, we will provide those for an additional fee. Some restrictions apply.

4. Non-Profit Association

The monthly statement on this account does not include image. An IRS determination letter is required for this account to evidence the non-profit, tax-exempt status. When you use a terminal not owned by us, the ATM owner/operator may charge additional fees.

5. eBusiness Analysis

The Earnings Credit will only reduce account charges and is calculated by applying an external index rate (maximum of 5%) to the average collected balance after subtracting reserve requirements for the month. We use the rate for the 13-week Treasury Bill as the index. An additional fee will be charged when the average collected balance is negative. This fee is determined based on the Fed Funds Rate plus 4%.  *When you use a terminal not owned by us, the ATM owner/operator may charge additional fees.

6. Business Savings

Federal Regulation D (Reg D) limits withdrawals or transfers from savings and money market accounts to six (6) per monthly statement cycle. If you exceed the federal limits on withdrawals, you will be notified and your account may be converted to another type of account. The following types of withdrawals and transfers are included in the Federal Reg D limit: automatic or preauthorized transfers, telephone transfers, online and mobile banking transfers or payments, or if checks or debit cards are allowed on the account, check, draft and point-of-sale transactions (not all-inclusive). RCB Bank limits the number of withdrawals or transfers from savings and money market accounts to 9 each quarter for service charge purposes. After 9 withdrawals have been made from your savings or money market account in a calendar quarter a $10.00 service fee will be charged per transaction. Annual Percentage Yield (APY) accurate as of 2/15/18 and subject to change at the bank’s discretion. Rate may change after the account is opened. Fees could reduce the earnings on the account. When you use a terminal not owned by us, the ATM owner/operator may charge additional fees.

7. Bill Pay

If you receive eStatements, the first 12 Bill Pay transactions per calendar month are free; after the 12th bill payment, they are $0.75 each. If you receive paper statements, the first seven (7) bill pay transactions per calendar month are free; after the 7th bill payment they are $0.75 each. You can choose unlimited bill payments per calendar month for $5.95/month, regardless of statement type. Daily limits apply.

8. Mobile Deposit

Message, data rates and fees may apply. Subject to eligibility. Deposit restrictions apply. Deposit limits may change at any time. Funds may not be available for immediate withdrawal. We typically make funds from your check deposits available to you on the business day we receive your deposit. For determining the availability of your deposit, every day is a business day, except Saturdays, Sundays and Federal holidays. If you make a deposit before the close of business on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after the close of business or on a day we are not open, we will consider the deposit was made on the next business day we are open. Please note that you will receive a confirmation that your deposit was made, however you may not see it reflected in your account balance immediately. Account balance inquiry may not reflect unprocessed debit card transactions, checks and deposits.

9. Text Banking

Message, data rates, fees and restrictions may apply. Ask for details. Delivery of alerts may be delayed for various reasons, including service outages affecting your phone, wireless or internet provider, technology failures and system capacity limitations. Account balance inquiry may not reflect unprocessed debit card transactions, checks and deposits. Subject to eligibility. Deposit limits may change at any time.

10. my Cashback Checking

Minimum Reward Requirements: Ten (10) debit card transactions per rewards cycle and maintain e-Statement enrollment. Minimum reward requirements listed must be met and post to the account in each rewards cycle, which begins on the first business day of the month and ends on the last business day of the month. Debit card transactions include merchant or point-of-sale transactions, and exclude refunds or ATM transactions. Fees may reduce earnings. Some restrictions apply. Beginning November 1, 2019, a monthly fee of $3 will be assessed for accounts receiving a paper statement. Member FDIC.

11. my Interest Checking

Annual Percentage Yield (APY) accurate as of 1/15/19 and subject to change at the bank's discretion. Rate may change after the account is opened. Minimum balance of $100 is required to earn 2.01% APY on balances less than $15,000. Balances of $15,000 or more, or the entire balance if reward requirements are not met, will earn interest at 0.10% (0.10% APY). Minimum Reward Requirements: Maintain e-Statement enrollment, make at least 10 debit card transactions and one ACH credit/debit transaction per rewards cycle. Minimum reward requirements listed must be met and post to the account in each rewards cycle, which begins on the first business day of the month and ends on the last business day of the month. Debit card transactions include merchant or point-of-sale transactions, and exclude refunds or ATM transactions. Some restrictions apply. Beginning November 1, 2019, a monthly fee of $3 will be assessed for accounts receiving a paper statement. Fees will reduce earnings. Member FDIC.

12. my Senior Checking

Annual Percentage Yield (APY) accurate as of 1/15/19 and subject to change at the bank's discretion. Rate may change after the account is opened. Minimum balance of $100 is required to earn 0.25% APY on balances less than $15,000 and who choose to receive paper statements. Minimum balance of $100 is required to earn 1.25% APY on balances less than $15,000 and who choose to receive eStatements. Balances of $15,000 or more, or the entire balance if reward requirements are not met, will earn interest at 0.10% (0.10% APY). Minimum Reward Requirements: Maintain eStatement enrollment (optional for lower rate), make at least six debit card transactions and one ACH credit/debit transaction per rewards cycle. Minimum reward requirements listed must be met and post to the account in each rewards cycle, which begins on the first business day of the month and ends on the last business day of the month. Debit card transactions include merchant or point-of-sale transactions, and exclude refunds or ATM transactions. Some restrictions apply. Member FDIC.

13. my Money Market

Annual Percentage Yield (APY) accurate as of February 20, 2019, and subject to change at the bank’s discretion. Rate may change after the account is opened. Fees could reduce earnings. $2,500 minimum balance to open account. Federal Regulation D limits withdrawals or transfers from money market accounts to six (6) per monthly statement cycle. If you exceed the federal limits on withdrawals, you will be notified and your account may be converted to another account type. Item images are available at no additional cost via e-Statement. If you prefer item images on your paper statement, we will provide those for an additional fee. Some restrictions apply.

14. Kids Checking

For individuals under the age of 18. A parent or guardian is required to be joint owner or custodian on the account. ATM/Debit Card is available to adult signatories on the account upon request. Account converts to basic checking product after age 18. Bounce protection not offered on this account.

15. Kids Savings

For individuals under the age of 18. A parent or guardian is required to be joint owner or custodian on the account. ATM Card is available to adult signatories upon request. Federal Regulation D (Reg D) limits withdrawals or transfers from savings accounts to six (6) per monthly statement cycle. Annual Percentage Yield (APY) accurate as of 2/15/18 and may change at the bank’s discretion. Rate may change after the account is opened. Minimum balance of $100 is required to earn 0.10% APY. Account converts to basic savings product after age 18.

16. Savings Account

Federal Regulation D (Reg D) limits withdrawals or transfers from savings and money market accounts to six (6) per monthly statement cycle. If you exceed the federal limits on withdrawals, you will be notified and your account may be converted to another type of account. The following types of withdrawals and transfers are included in the Federal Reg D limit: automatic or preauthorized transfers, telephone transfers, online and mobile banking transfers or payments, or if checks or debit cards are allowed on the account, check, draft and point-of-sale transactions (not all-inclusive). RCB Bank limits the number of withdrawals or transfers from savings and money market accounts to 9 each quarter for service charge purposes. After 9 withdrawals have been made from your savings or money market account in a calendar quarter a $10.00 service fee will be charged per transaction. Annual Percentage Yield (APY) accurate as of 2/15/18 and subject to change at the bank’s discretion. Rate may change after the account is opened. Minimum balance of $100 is required to earn 0.10% APY. Fees could reduce the earnings on the account.

17. Health Savings Account

High Deductible Health Plan (HDHP) and contribution limits are revised each year for cost-of-living increases. Always seek the advice of a professional tax consultant.

18. IRAs

Contribution limits are revised each year according to the IRS. Always seek the advice of a professional tax consultant.

19. CDARS^®

The standard FDIC insurance maximum is $250,000 per insured capacity, per bank. Limits Apply. Funds may be submitted for placement only after a depositor enters into the CDARS^® Deposit Placement Agreement with RCB Bank. The agreement contains important information and conditions regarding the placement of funds by us. Please consult with your auditor to determine how CDs should be reported. Investment restrictions imposed by statutes, regulations or policies may limit the authority of public fund managers to invest through CDARS. Public fund managers in the following states, among others, may be eligible to invest through CDARS: AK, CO, CT, GA, HI, IL, KS, KY, ME, MN, MO, NE, NH, NV, OK, PA, SC, TN, and VT. Even in these states, the public fund manager must check applicable restrictions to ensure that deposits are eligible for placement using CDARS. CDARS and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC.

20. Business Lending

With approved credit. Some restrictions apply.

21. Consumer Title-Secured Loans

APR includes a 1% discount for automatic debit of monthly payment from an RCB Bank checking or savings account. Rate could increase if automatic debit is canceled at any time during the term of the loan. Loan fees apply. Loan payment and APR will vary based on the loan amount, the term and any fees. With approved credit. Rate and term are dependent upon the model year and credit score. Financing available for up to 100% purchase price (new) or 105% NADA trade-in models. Other restrictions may apply. Member FDIC. NMLS #798151.

22. Remote Deposit Capture

See your Business Services Rep for more details. Funds may not be available for immediate withdrawal.

23. Corporate Credit Card

Other fees will apply.

24. Mobile Deposit Business

Message, data rates and fees may apply. Subject to eligibility. Deposit restrictions apply. Deposit limits may change at any time. Funds may not be available for immediate withdrawal. We typically make funds from your check deposits available to you on the business day we receive your deposit. For determining the availability of your deposit, every day is a business day, except Saturdays, Sundays and Federal holidays. If you make a deposit before the close of business on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after the close of business or on a day we are not open, we will consider the deposit was made on the next business day we are open. Please note that you will receive a confirmation that your deposit was made, however you may not see it reflected in your account balance immediately. Account balance inquiry may not reflect unprocessed debit card transactions, checks and deposits.

25. Text Banking Business

Message, data rates, fees and deposit restrictions may apply. Ask for details. Delivery of alerts may be delayed for various reasons, including service outages affecting your phone, wireless or internet provider, technology failures and system capacity limitations. Account balance inquiry may not reflect unprocessed debit card transactions, checks and deposits. Subject to eligibility. Deposit limits may change at any time.

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Address Info
RCB Bank
P.O. Box 189
Claremore, OK
74018
855.226.5722
NMLS #798151
RCB Bank Routing Number: 103112594

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