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IMPORTANT: If you suspect fraud on your account or debit card, please call our Fraud Department toll-free at 877.361.0814. Our fraud department is available 8 a.m. to 8 p.m., seven days a week, excluding federal holidays.

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 2/15/18 and subject to change at the bank’s discretion. Rate may change after the account is opened. 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. eStatements or paper statements are provided at no charge. Item images are provided at no additional cost through our eStatement program. If you prefer item images on your paper statements, we will provide those for an additional fee.

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 internal index rate to the average collected balance after subtracting reserve requirements for the month. 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 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.

10. my Cashback Checking

Limit of two (2) my Cashback Checking accounts per household. The rewards cycle begins on the first business day of each month and concludes on the last business day of each month.

11. my Interest Checking

Annual Percentage Yield (APY) accurate as of 2/15/18 and subject to change at bank’s discretion. Rate may change after the account is opened. APY of 0.10% will be paid on entire balance if rewards requirements are not met. See bank for current rates. Limit of two (2) my Interest Checking or my Senior Checking accounts per household. The rewards cycle begins on the first business day of each month and concludes on the last business day of each month.

12. my Senior Checking

Annual Percentage Yield (APY) accurate as of 2/15/18 and subject to change at bank’s discretion. Rate may change after the account is opened. APY of 0.10% will be paid on entire balance if rewards requirements are not met. See bank for current rates. Limit of two (2) my Interest Checking or my Senior Checking accounts per household. The rewards cycle begins on the first business day of each month and concludes on the last business day of each month.

13. my Money Market

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. 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. eStatements or paper statements are provided at no charge. Item images are provided at no additional cost through our eStatement program. If you prefer item images on your paper statements, we will provide those for an additional fee.

14. 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. Account converts to basic savings product after age 18.

15. 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.

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. 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. Amounts disclosed are based on 2017 limits. 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^®

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. 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 is a registered service mark of Promontory Interfinancial Network, LLC.

21. Remote Deposit Capture

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.

22. Corporate Credit Card

Other fees will apply.

23. 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.

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

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