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Checking that Pays!

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Bank Your Way!

The ultimate checking account should help you meet your financial goals, give you the tools you need to do so and reward you for your banking relationship. At River Cities Bank, our Rewards Checking account options offer different features to appeal to exactly how you manage your finances.

Whether you want to earn a great rate, pay no balance fees or want to earn cash back, there is an account for you!

Simplicity Checking

Simplicity is as simple as it gets! This checking account has no complicated balance requirements, and the tools you need to manage your personal finances.

Manage your Simplicity Checking account 24/7 with our Online Services!

  • No (monthly) statement cycle service charge
  • No minimum balance requirement on active accounts
  • $100 minimum deposit to open
  • $2/statement cycle Paper Statement Fee (eStatements are free!)
  • $0.50 fee per item deposited via Mobile Deposit
  • $2.95/statement cycle for up to 6 Online Bill Payments and $0.50 fee per transaction thereafter
  • $5 annual fee for MasterCard® debit card*

The statement cycle period is monthly and will always end on the final business day of the month.

Start the application process by using our quick and easy online deposit account application. You can also stop by any of our offices in Wisconsin Rapids, Stevens Point or Baraboo to apply in person.

Start Deposit Account Application

*Subject to approval

eVantage Checking

Earn money on your everyday purchases! With eVantage Checking, you can earn $0.10 for each signature-based debit card transaction you complete.* Plus, you receive access to Online Banking, Mobile Banking and the rest of our Online Services to manage your account like a pro!

The statement cycle period is monthly and will always end on the final business day of the month.

  • No minimum balance requirement to earn rewards on active accounts
  • $100 minimum deposit to open
  • $2/statement cycle Paper Statement Fee (eStatements are free!)
  • $0.50 fee per item deposited with Mobile Deposit
  • Service Charge of $7.95/statement cycle will be waived if you complete two or more of the following during the statement cycle:
    • Make one or more Online Bill Payments
    • Maintain a monthly direct deposit into this account
    • Maintain a River Cities Bank Automatic Loan Payment
    • Stay actively Enrolled in Mobile Banking*

The statement cycle period is monthly and will always end on the final business day of the month.

Start the application process by using our quick and easy online deposit account application. You can also stop by any of our offices in Wisconsin Rapids, Stevens Point or Baraboo to apply in person.

 

Start Deposit Account Application

*Signature-based debit card transactions may take one or more business days from the date the transaction was made to post to and clear the account. Any transaction in a pending status when the statement cuts will count towards the next statement.

*Actively enrolled in mobile banking means logging in within 180-day cycle

Cashback Checking

Get paid for banking with us! With Cashback Checking you can earn 1.25% cash back on up to $500 in signature-based debit card purchases. This can result in a maximum reward of $75 per year simply for using your debit card!

You even get access to all of our Online Services like Mobile Banking with Mobile Deposit to manage your account whenever and however you want.

Note: The statement cycle period is monthly and will always end on the final business day of the month.

Fees may reduce earnings on the account.

  • No minimum balance requirement to earn rewards on active accounts
  • $100 minimum deposit to open
  • $2/statement cycle Paper Statement Fee (eStatements are free!)
  • $0.50 fee per item deposited with Mobile Deposit
  • Service Charge of $7.95/statement cycle will be waived if 10 or more signature-based debit card purchases post to and clear the account during the statement cycle*

Start the application process by using our quick and easy online deposit account application. You can also stop by any of our offices in Wisconsin Rapids, Stevens Point or Baraboo to apply in person.

Start Deposit Account Application

*Signature-based debit card transactions may take one or more business days from the date the transaction was made to post to and clear the account. Any transaction in a pending status when the statement cuts will count towards the next statement.

The statement cycle period is monthly and will always end on the final business day of the month.  

Fees may reduce earnings on the account.

Relationship Checking

Take full advantage of your relationship with us! Relationship Checking offers special discounts on our services, such as 25% off a safe deposit box, paper photocopies, and more! Relationship Checking offers a higher interest rate for you if you maintain an average of $10,000 in total personal deposits.  As your accounts grow, you can manage them all from your eBanking account or when you’re on the move with Mobile Banking.

The statement cycle period is monthly and will always end on the final business day of the month.

Fees may reduce earnings on the account.

  • $100 minimum deposit to open
  • $2/statement cycle Paper Statement Fee (eStatements are free!)
  • $0.50 fee per item deposited with Mobile Deposit
  • Service Charge of $9.95/statement cycle will be waived if the primary owner on the relationship account maintains at least a $10,000 average balance in combined related personal deposit accounts. This includes River Cities Bank Personal Checking, Savings, Insured Money Markets, Certificates of Deposit, HSA, and IRA accounts.
  • Earn a Premium interest rate if you complete two of the following each statement cycle:*
    • Complete 10 signature-based debit card purchases that post to and clear the account**
    • Be enrolled in eStatements for this account
    • Maintain a monthly direct deposit into this account
    • Keep a River Cities Bank safe deposit box***

Start the application process by using our quick and easy online deposit account application. You can also stop by any of our offices in Wisconsin Rapids, Stevens Point or Baraboo to apply in person.

Start Deposit Account Application

*If qualifications are met, interest on the Relationship Checking account is increased to 1.00% on balances from $7,500 to $15,000, and 0.03% on balances less than $7,500 and 0.03% on balances greater than $15,000. If qualifications are not met, interest earned is 0.03% on entire balance.
APY (Annual Percentage Yield) is accurate as of 4-1-2015.
Interest Rate and APY may change 
after account is opened without prior notice.
Fees may reduce earnings 
on account.

The statement cycle period is monthly and will always end on the final business day of the month.

**Signature-based debit card transactions may take one or more business days from the date the transaction was made to post to and clear the account. Any transaction in a pending status when the statement cuts will count towards the next statement.

***Safe Deposit Boxes are subject to availability.

Smart Start Checking

Get a kick start on managing progress toward your financial goals! River Cities Bank now offers a checking account designed for young adults. With this account we help you avoid fees so that you can save money, manage your own finances, and access your funds at any-time and from anywhere. This account is exclusively for those age 25 and under.

Manage your Smart Start account 24/7 with our Online Services!

  • No (monthly) statement cycle service charge
  • No minimum balance requirement on active accounts
  • $25 minimum deposit to open
  • ATM fees refunded up to $6.00 per statement cycle*
  • Free Mobile Deposit
  • Free ePay
  • Free MasterCard® debit card**

A service charge of $9.95/statement cycle will be imposed starting with the month of the primary owner’s 26th birthday.  As a courtesy, we will contact you via mail in advance of your 26th birthday to remind you of the upcoming service charge and to inform you of account conversion options.  You may choose to convert your account to a different checking account at any time.

A $2.00/statement cycle fee will be charged if you choose to receive paper statements.  There is no fee for eStatements.

The statement cycle period is monthly and will always end on the final business day of the month.

Start the application process by using our quick and easy online deposit account application. You can also stop by any of our offices in Wisconsin Rapids, Stevens Point or Baraboo to apply in person.

Start Deposit Account Application

 

*ATM fees are only refunded on the Smart Start Checking Account

**Subject to Approval

 

 

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Allow me the opportunity to show you Banking...."The Way it Should Be." I am passionate about providing you service above and beyond your expectations. I will use my expertise to identify your financial needs and match them to the best banking products and services River Cities Bank has to offer. You deserve a positive banking experience!"

Kristi Anderson Retail Banker
Kristi Anderson Customer Service Rep

Help us provide products and services that guide your success.

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