Oklahoma State Bancshares Inc. Merger

Oklahoma State Bank and Lakeside State Bank are now part of RCB Bank.

Oklahoma State Bank accounts have converted to RCB Bank accounts.

Scroll down for additional details.

Lakeside State Bank accounts need to continue banking as usual, including using your checks, as there is no change to the way you use your accounts. There is no change to your automatic payments and direct deposits at this time. Continue to access your online banking through Lakeside State Bank website (lakesidebankok.com).

Transition Dates: 

  • Oklahoma State Bank transitioned to RCB Bank products and services on December 13, 2021.
  • Lakeside State Bank transition to RCB Bank products and services begins April 22, 2022 and completes April 25, 2022.

Oklahoma State Bank Transition Important Dates and Information:

Monday, December 13:

  • Debit cards: An RCB Bank debit card will be issued prior to Monday, December 13 to replace your OSB debit card. As of 4:00 a.m. CST on Monday, December 13, your new RCB Bank debit card will be available for activation, PIN selection and ongoing use. Your existing OSB debit card will no longer be available for use at that time. Please review your debit card mailing for additional details – coming soon!
  • Online Banking / Mobile Banking: You may now access RCB Bank Online Banking at RCBbank.com and RCB Bank Mobile Banking through the RCB Bank Mobile Banking app. Please visit page 11 for details on how to sign in for the first time.
  • Mobile Deposit / Text Banking: To access RCB Bank Mobile Deposit and/or Text Banking, you will need to re-enroll through the RCB Bank Mobile Banking app. Visit RCBbank.com/BankAnywhere or RCBbank.com/TreasuryServices for your on-the-go banking solutions.
  • eStatements: When you first sign into RCB Bank Online Banking, you will be asked if you would like to sign up for eStatements. You can either click there, or once you are signed into Online Banking, click on eDocuments to enroll. Visit RCBbank.com/eDocuments for information regarding the benefits of eDocuments and instructions for setting up eStatements for the first time.
  • Bill Pay: RCB Bank Bill Pay is now available. Bill payments, excluding eBills, setup prior to December 6 will have converted to RCB Bank Bill Pay. All eBills need to be set up again. Any payments that were tied to an eBill will not process after December 10.
  • RCB Bank Anytime Banker Phone Line: This will replace the OSB Telephone Banking – TABS. Will be available to you beginning Monday, December 13. Anytime Banker is a 24/7 telephone service to help you with your banking needs.

We understand that you may have questions regarding this transition, so we have compiled a list of questions and answers below for your reference. Click on one of the transition questions below to learn more.

Oklahoma State Bank Transition Frequently Asked Questions:

Have the branch hours of operation changed?

No. There will be no changes to the branch hours at this time.

Do I need to get new checks or deposit slips?

No changes are needed at this time. The next time you reorder, you will receive RCB Bank checks and/or deposit slips. If you use a third party, after December 13, make sure to update to the RCB Bank routing number – 103112594.

Can I still use my Oklahoma State Bank debit card(s)?

An RCB Bank debit card will be issued prior to Monday, December 13 to replace your OSB debit card. As of 4:00 a.m. CST on Monday, December 13, your new RCB Bank debit card will be available for activation, PIN selection and ongoing use. Your existing OSB debit card will no longer be available for use at that time. Please review your debit card mailing for additional details – coming soon!

Activate your debit card and choose your PIN by calling toll-free 855-726-4885.

See page 8 for additional debit card details.

After activating your new RCB Bank debit card, please contact any merchants that you have recurring charges scheduled with to update your information.

Will any of my scheduled transactions (direct deposits, interest payments, electronic debits, etc.) be affected?

No changes are needed at this time. We will attempt to notify the originators to have your electronic debits and direct deposits updated to your RCB Bank account information. Any new payments after December 13 will need to use the RCB Bank routing number – 103112594.

Will the routing number change for wires, ACH withdrawals or direct deposits?

Any new wires, automatic payments or deposits after December 13 will need to use the RCB Bank routing number – 103112594.

Will my regular scheduled bill payments or automatic payments be affected?

Your access to OSB Bill Pay within Online Banking will be available until 7:00 a.m. CST on Monday, December 6, 2021. Previously scheduled payments will process as normal through December 10, 2021. Payees, regular payments and recurring payments (non-eBill) should convert over and process normally.

Will my scheduled or automatic eBill payments be affected?

Recurring payments that are tied to an eBill will not convert over and will need to be set up again.

Are there changes to the terms and conditions of my loan(s) or line(s) of credit?

No. The terms and conditions of your loan(s) and/or line(s) of credit remain the same.

Are there any changes to my existing Checking, Savings, Money Market or Health Savings Accounts?

RCB Bank has sent a Welcome Booklet in the mail regarding any changes to your specific account(s) in early November. Our goal is to provide an account with features and services that will benefit you. To know how your account will change with new features and functionalities, refer to pages 6-7 for personal accounts or 11-12 for business accounts in the Welcome Booklet. This booklet contains other important details about RCB Bank products and services. If you feel another product better suits your needs, stop by a location or call us.

Are there any changes to my existing Certificate of Deposit or Individual Retirement Arrangement Accounts?

There are no changes until your CD or IRA renews. Your current rate will remain unchanged until maturity. You will receive a renewal notice from RCB Bank if your CD or IRA renews on or after December 13.

Will there be any changes to overdrafts?

If your OSB account had overdraft privilege, your RCB Bank account will as well. However, your Bounce Protection limit will change to $500.  Please review Fee Schedule for Bounce/NSF/Overdraft Fees.

Do I still make my loan payments at the same location?

Yes.  Beginning Monday, December 13, 2021, you will be able to perform all transactions and have access to all RCB Bank products, services and locations. RCB Bank has over 60 locations across Oklahoma and Kansas. You can find a complete list of RCB Bank locations at RCBbank.com/Locations or on our RCB Bank Mobile Banking app.

If you choose to mail your payment, send it to:

RCB Bank Credit Administration P.O. Box 189 Claremore, OK 74018-0189

Will this affect my automatic loan payment?

No, all automatic loan payments will continue uninterrupted.

What if I have a question about a loan payment or escrow account?

You can continue to direct loan and escrow questions to your local branch.

Will the merger between the two banks affect FDIC Insurance coverage?

Deposits are insured separately for at least six months from October 1, 2021. This grace period gives you the opportunity to restructure your accounts, if necessary. Specific information can be found at FDIC.gov.

If I have more questions, who do I call?

For additional transition support, Please call 855-226-5722 (855.BANK.RCB) or stop by your nearest location. Please share your questions with us. We want to make this transition as smooth as possible.

Questions regarding commercial loans should be addressed by your loan officer.

Account Access: Transition Frequently Asked Questions

Will my Oklahoma State Bank account number(s) remain the same?

Your account number(s) will remain the same. A handful of accounts did have to change because of duplication; however, you have already been contacted if this affected you.

Will I still be able to access my account(s) online?

Your access to OSB Online Banking, OSB Mobile Banking and OSB Mobile Deposit will be available until 4:00 p.m. CST on Friday, December 10. As of Monday, December 13, you may access RCB Bank Online Banking at RCBbank.com. Online Banking credentials will be mailed to you prior to Monday, December 13. Please reference page 11 in the Welcome Booklet for details on how to sign in for the first time. Businesses using Treasury Services within Online Banking will receive a separate communication with details on how to access your account for the first time.

Can I still access my Oklahoma State Bank account(s) through mobile banking?

OSB Mobile Banking will be available until 4:00 p.m CST on Friday, December 10. Beginning Monday, December 13, RCB Bank Mobile Banking will be available through the RCB Bank Mobile Banking app.

Download the RCB Mobile Banking app available for iPhone®, iPad® and Android™ devices using the Apple App Store® and Google Play™.

FDIC Coverage: Transition Frequently Asked Questions

Will the merger between the two banks affect FDIC insurance coverage?

Deposits are insured separately for at least six months from October 1, 2021. This grace period gives you the opportunity to restructure your accounts, if necessary. Specific information can be found at FDIC.gov.

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