CHECKING ACCOUNT

River Cities Bank offers four convenient checking account options:

•  Traditional Checking
•  Advantage Checking
•  Classic Checking / New Horizons Club Checking- Interest Bearing
•  Prime Checking - Interest Bearing

More information on each type of account is provided below.

Traditional Checking
Traditional checking is ideal for anyone who writes only a few checks each month. This account features:

•  No monthly service charge
•  No minimum balance requirement
•  FREE first order of 50 checks
•  No annual fee Elan Credit Card
•  Per check charge after first ten checks paid
•  $100.00 minimum balance to open
.

Advantage Checking
Advantage checking is ideal for anyone who prefers unlimited check writing privileges. This account features:

•  No annual fee River Cities Bank Check Card
•  Discount on Installment Loans
•  FREE first order of 200 checks
•  No annual fee Elan Credit Card
•  Check images available              
•  FREE Standard American Express Travelers Cheques
•  $300.00 minimum checking account balance or $1,000.00 in combined deposit accounts to avoid service charge
•  $100.00 minimum balance to open

Classic Checking
Classic Checking  is ideal for anyone who wants to combine the advantages of unlimited check writing privileges and interest earnings. This account features:

•  No annual fee River Cities Bank Check Card
•  No annual fee ATM Card
•  Discount on Installment Loans
•  FREE first order of 200 checks
•  No annual fee Elan Credit Card*
•  FREE Standard American Express Travelers Cheques
•  Check images available
•  $750.00 minimum checking account balance or $2,000.00 in combined deposit accounts or direct deposit of payroll or retirement check to avoid service charge
•  $100.00 minimum deposit to open

 New Horizons Club Checking
New Horizons Club Checking is designed for those who have celebrated their 50th birthday and would like unlimited check writing privileges and interest earnings. This account features:

** Five per month
*** Ten per month

Additional Services Available for New Horizons Club Accounts:

Prime Checking
Prime Checking is ideal for anyone who wants a full service account with the advantage of interest earnings. This account features:

•  No annual fee River Cities Bank Check Card or ATM card with unlimited usage
•  No annual fee Elan MasterCard or Visa Credit Card available*
•  Discount on Installment Loans
•  FREE Bank Image Checks
•  FREE Standard American Express Travelers Cheques
•  FREE Cashier's checks and Money Orders**
•  FREE Photocopies***
•  Discount on Safe Deposit Boxes
•  Check images available
•  $2,500.00 minimum checking account balance or $5,000.00 in combined deposit accounts to avoid service charge
•  $100.00 minimum deposit to open

* Subject to credit approval
** Five per month
*** Ten per month

Additional services available for ALL checking accounts:

•  Overdraft protection line of credit*
•  Savings overdraft protection
•  Direct deposit
•  Automatic payment or transfers

* Subject to credit approval