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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. Transaction limits apply to avoid additional fees. Transactions include ACH debits, checks written, deposits, items deposited and withdrawals (excluding ACH credits, ATM & Debit Card). A monthly fee of $5 will be assessed for accounts receiving a paper statement. Member FDIC

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%. When you use a terminal not owned by us, the ATM owner/operator may charge additional fees. Please ask us for current rates. Transactions include ACH debits, checks written, deposits, items deposited and withdrawals (excluding ACH credits, ATM & Debit Card). A monthly fee of $5 will be assessed for accounts receiving a paper statement. Member FDIC

3. Business Money Market

Rates are accurate as of April 8, 2021 and may change after the account is open. Balance and transaction limits apply to avoid additional fees. Fees may reduce earnings. Item images are available at no additional cost via eStatement. A monthly fee of $2 will be assessed for accounts receiving a paper statement. Some restrictions apply. Please ask us for current rates. Transactions include ACH debits, checks written, deposits, items deposited and withdrawals (excluding ACH credits, ATM & Debit Card). A monthly fee of $5 will be assessed for accounts receiving a paper statement. Member FDIC

4. Non-Profit Association

Some restrictions apply. Must keep at least $200 in account each day to avoid a $4 monthly service charge. The monthly statement on this account does not include images. An IRS determination letter is required to prove non-profit 501(c)(3) tax-exempt status. A monthly fee of $5 will be assessed for accounts receiving a paper statement. Member FDIC

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. The index is determined by the Investment Committee. An additional fee will be charged when the average collected balance is negative. This fee is determined based on the Federal Funds rate plus 4%. When you use a terminal not owned by us, the ATM owner/operator may charge additional fees. Some restrictions apply. A monthly fee of $5 will be assessed for accounts receiving a paper statement. Member FDIC

6. Business Savings

Balance and transaction limits apply to avoid additional fees. Item images are available at no additional cost via eStatement. If you prefer images on your paper statement, will provide those for an additional fee. Some restrictions apply. Please ask us for current rates. A quarterly fee of $5 will be assessed for accounts receiving a quarterly paper statement. Member FDIC

7. Apple Pay®

Mobile data fees may apply. Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, iTunes, Mac, MacBook Pro, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. Touch Bar is a trademark of Apple Inc.

8. Samsung Pay

Mobile data fees may apply. Samsung, Samsung Pay, Galaxy S (and other device names) and Samsung Knox are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Other company and product names mentioned may be trademarks of their respective owners. Screen images are simulated; actual appearance may vary. Samsung Pay is available on select Samsung devices.

9. instaPay

Available in the RCB Bank mobile app. $1/transaction fee applies (non-refundable) and will be combined with transaction amount. Requires an active debit card to initiate transaction. Transaction amount including fee is deducted from available balance immediately but may not settle on the same business day. Insufficient or Bounce fees may be incurred if adequate funds are not available at settlement. Funds may not be available to the recipient the same business day as transfer. Recipient must claim funds within 10 days. Fee is not refunded if recipient does not claim funds. Message, data rates, and transaction limitations apply.

10. Bill Pay

First twelve transactions per month are free with eStatements. After twelve payments they are $0.75 each. You can also choose unlimited bill payments per month for $5.95 a month. If you receive paper statements, the first seven transactions per month are free. After seven payments they are $0.75 each. Some restrictions apply. Rush delivery is available for an additional fee.

11. 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.

12. Text Banking

Standard carrier fees for data and text messaging may apply. Funds may not be available immediately. 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.

13. my Money Market

Annual Percentage Yield (APY) accurate as of 07/17/2020 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. Minimum balance of $2500 is required to earn interest at 0.10% (0.10% APY) on balances up to $49,999.99. Minimum balance of $50,000 is required to earn interest at 0.10% (0.10% APY) on balances up to $99,999.99. Balances of $100,000 and above are required to earn interest at 0.10% (0.10% APY). Item images are available at no additional cost via eStatement. If you prefer item images on your paper statement, we will provide those for an additional fee. Balance limits apply to avoid additional fees. Some restrictions apply. Member FDIC

14. my Cashback Checking

Minimum Reward Requirements: Ten (10) debit card transactions per rewards cycle and maintain e-Statement enrollment. Not maintaining e-Statements will result in forfeiture of rewards benefits. 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. A monthly fee of $2 will be assessed for accounts receiving a paper statement. Member FDIC

15. my Interest Checking

Annual Percentage Yield (APY) accurate as of 08/01/2021 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 interest at 0.51% (0.51% 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 0.01% (0.01% APY). Minimum Reward Requirements: Maintain eStatement enrollment, make at least 10 debit card transactions and one ACH credit or 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. Fees may reduce earnings. Some restrictions apply. A monthly fee of $2 will be assessed for accounts receiving a paper statement. Member FDIC

16. my Senior Checking

Annual Percentage Yield (APY) accurate as of 09/02/2020 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 interest at 0.05% (0.05% APY) on balances less than $15,000 and who choose to receive paper statements. Minimum balance of $100 is required to earn interest at 1.08% (1.09% 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 0.05% (0.05% APY). Minimum Reward Requirements: Maintain eStatement enrollment (optional for higher rate), make at least six (6) debit card transactions and one (1) ACH credit or 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. Item images are available at no additional cost via eStatement. A monthly fee of $2 will be assessed for accounts receiving a paper statement. Some restrictions apply. Member FDIC

17. Kids Checking

Kids Checking accounts are for individuals under the age of 18, and a parent or guardian is required to be joint owner or custodian on the account. A monthly fee of $2 will be assessed for accounts receiving a paper statement.

18. Kids Savings

Kids Savings accounts are for individuals under the age of 18, and a parent or guardian is required to be joint owner or custodian on the account. Annual Percentage Yield (APY) accurate as of 08/1/2021 and may change at the bank’s discretion. Rate may change after the account is opened. Fees could reduce earnings on the account. Minimum balance of $100 is required to earn interest at 0.05% (0.05% APY). A quarterly fee of $2 will be assessed for accounts receiving a quarterly paper statement.

19. Savings Account

Minimum balance of $100 is required to earn interest at 0.05% (0.05% Annual Percentage Yield/APY) for Regular Savings accounts. APY accurate as of 08/01/2021 and subject to change at the bank’s discretion. Rate may change after the account is opened. Balance and transaction limits apply to avoid additional fees. Fees could reduce earnings on the account. Item images are available at no additional cost via eStatement. A quarterly fee of $2 will be assessed for accounts receiving a quarterly paper statement. Ask us for details.

20. Health Savings Account

Seek the advice of a professional tax consultant. High Deductible Health Plan (HDHP) and contribution limits are revised each year for cost-of-living increases. Amounts disclosed are based on 2020 limits.

21. IRAs

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

22. CDARS^®

The Standard FDIC insurance maximum is $250,000 per insured capacity, per bank. Funds may be submitted for placement only after a depositor enters into the CDARS® Deposit Placement Agreement with RCB Bank. Please refer to the Deposit Placement Agreement for important account information, limitations, and conditions regarding the placement of funds by us, including funds availability and FDIC insurance coverage. CDARS® and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC. Consult with your account manager or one of our customer service representatives regarding rates. Please consult with your accountant or 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®.

23. Business Lending

With approved credit. Terms, qualifications and other restrictions apply.

24. Personal Loans

With approved credit. Terms, qualifications, fees and other restrictions apply.

25. Remote Deposit Capture

See your Treasury Services Rep for details and pricing. Funds may not be available for immediate withdrawal. Deposit restrictions and other qualifications apply. Subject to eligibility and further review.

26. Merchant Card Services

See your Treasury Services Rep for details and pricing. Message, data rates, fees and deposit restrictions may apply. Subject to eligibility.

27. Digital Lockbox

See your Treasury Services Rep for details and pricing. Funds may not be available for immediate withdrawal. Subject to eligibility.

28. Corporate Credit Card

Other fees will apply.

29. Mobile Deposit Business

See your Treasury Services Rep for details and pricing. Funds may not be available for immediate withdrawal. Message, data rates, fees, deposit restrictions and other qualifications apply. Subject to eligibility and further review.

30. Text Banking Business

Message, data rates, and fees may apply. Subject to eligibility and further review. See your Treasury Services Rep for details and pricing. Funds may not be available immediately.

31. instaBank

Money transfers can only be made between RCB Bank accounts. ITM deposits made before 7 p.m. on business days the Bank is open will be deposited that day. Deposits made after 7 p.m. or on days the Bank is closed will be deposited next business day. Some transactions may be limited during nightly processing. Other restrictions may apply. Member FDIC

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Branch Locations
KS
Arkansas City |
Arkansas City Downtown Trust |
Arkansas City North |
Arkansas City – 24 Hour ATM |
Douglass |
Hutchinson Plaza East |
Hutchinson Plaza West |
Hutchinson Downtown |
Hutchinson East instaBank |
Lawrence |
Oxford |
Wellington Drive-Up ITM |
Wellington |
Wichita |
Wichita East |
Wichita West |
Winfield Downtown |
Winfield instaBank |
Winfield East |
Winfield South
OK
Bartlesville |
Blackwell |
Blackwell Shopping Center – ATM |
Broken Arrow |
Union |
Catoosa |
Chelsea |
Claremore |
Claremore Financial Center instaBank |
Claremore Financial Center |
Claremore South |
Claremore Walmart instaBank |
Claremore Patti Page Blvd – 24-Hour ATM |
Claremore – NeMar Shopping Center ATM |
Claremore – RSU Student Services – ATM |
Collinsville |
Coweta |
Cushing |
Drumright |
Edmond |
Edmond Blvd |
Edmond Covell |
Edmond Mortgage |
Edmond Penn |
Inola |
Langley |
Monkey Island |
Nichols Hills |
Norman |
Norman Retail |
Norman instaBank |
Oilton |
Oklahoma City Downtown |
Oklahoma City Memorial |
Oologah |
Oologah Apple Market ATM |
Owasso 86th |
Owasso 96th |
Ponca City Express |
Ponca City Drive-Thru |
Ponca City ITM |
Ponca City Main |
Ponca City North |
Ponca City Pine St – ATM Only |
Ponca Plaza – ATM |
Pryor |
Pryor Mid America |
Pryor – Mill Street Market ATM |
Shidler |
Skiatook |
Stillwater |
Stillwater Drive-Thru |
Stillwater Perkins |
Stroud |
Vinita |
Yukon

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

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