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   * Bank
     * Checking
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BUSINESS CHECKING


BUSINESS IS AN ADVENTURE.

Your checking account shouldn't be.


ARE YOU A SMALL BUSINESS OWNER? THIS CHECKING ACCOUNT COULD FIT YOU PERFECTLY.



OVERVIEW 1

 * $250 minimum opening deposit
 * No monthly service charge
 * First 75 transactions per month included then $0.20 each
   * Transactions include checks written, deposits, items deposited and
     withdrawals (excluding ATM/debit card)
 * Business debit card
 * No ATM transaction fee
 * eStatements are free; monthly paper statements are $5 per month

LIKE WHAT YOU SEE? GET IN TOUCH TO OPEN AN ACCOUNT TODAY.

Find a Branch
Contact Us



VIEW RELATED PRODUCTS

Business Leasing
Business Lending
Business Interest
Non-Profit Association
my Business Money Market
eBusiness Analysis

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. DIRECT CONNECT

Quicken® and the QuickBooks® logo are registered trademarks of Intuit, Inc.,
used under license. RCB Bank does not deliver and is not responsible for the
products, services or performance of Intuit, Inc. Internet access may be
required. Internet service provider fees may apply. Software is not provided by
the Bank and some versions of Quicken® or QuickBooks® may not include direct
connect. For further questions or information, please contact your Quicken® or
QuickBooks® representative.

8. ONEWAYPAY

Money transfers can only be made between RCB Bank accounts. Subject to Funds
Availability Policy. See your Fee Schedule for any insufficient (NSF) Return
Item, Overdraft Paid Item, Bounce Paid Item or other fee(s) that may be
assessed. Other restrictions apply. Member FDIC

9. MY CLICKSWITCH

Terms and conditions apply. To learn more about how to enroll in ClickSWITCH,
call 855.226.5722 or visit your local branch. Member FDIC

10. MY CARDSWAP

Requires an RCB Bank debit card. None of the listed companies are associated
with, sponsor, or endorse this product. Terms and conditions apply. Standard
carrier fees for data and texts may apply. Member FDIC

11. 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.

12. 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.

13. BILL PAY

Some restrictions apply. See your Fee Schedule for associated rush delivery
fee(s).

14. MOBILE DEPOSIT

Standard carrier 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.

15. 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.

16. 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

17. 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

18. 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

19. 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

20. 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.

21. 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.

22. 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.

23. 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.

24. IRAS

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

25. 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®.

26. BUSINESS LENDING

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

27. PERSONAL LOANS

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

28. 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.

29. MERCHANT CARD SERVICES

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

30. DIGITAL LOCKBOX

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

31. CORPORATE CREDIT CARD

Other fees will apply.

32. MOBILE DEPOSIT BUSINESS

Message and data rates from carriers may apply. Deposits are subject to
verification and may not be available for immediate withdrawal. Subject to
eligibility and further review. Deposit limits and other restrictions apply.

33. 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.

34. 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

QUICK LINKS

 * Home
 * Learning Center
 * Why RCB Bank?
 * News & Announcements
 * Location Finder
 * Accessibility Statement
 * FDIC Deposit Insurance
 * Funds Availability
 * RCB Bank Product Disclosures
 * Contact Us

 * Re-Order Checks
 * Lost/Stolen Card
 * Security Center
 * Privacy Disclosure
 * Overdraft Protection
 * Careers
 * Holiday Schedule
 * Transparency in Coverage
 * Products & Services Brochure

 * BRANCH LOCATIONS

 * KS

 * Arkansas City |
 * Arkansas City Downtown Trust |
 * Arkansas City North |
 * Caney |
 * 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 |
 * Broken Arrow |
 * Union |
 * Catoosa |
 * Chelsea |
 * Claremore |
 * Claremore Financial Center instaBank |
 * Claremore Financial Center |
 * Claremore South |
 * Claremore Walmart instaBank |
 * Collinsville |
 * Coweta |
 * Cushing |
 * Drumright |
 * Edmond |
 * Edmond Blvd |
 * Edmond Covell |
 * Edmond Mortgage |
 * Edmond Penn |
 * Inola |
 * Langley |
 * Monkey Island |
 * Nichols Hills |
 * Norman |
 * Norman Retail |
 * Oklahoma City Downtown |
 * Oklahoma City Memorial |
 * Oologah |
 * Owasso 86th |
 * Owasso 96th |
 * Ponca City Express |
 * Ponca City Drive-Thru |
 * Ponca City ATM |
 * Ponca City Main |
 * Ponca City North |
 * Pryor |
 * Pryor Mid America |
 * Shidler |
 * Skiatook |
 * Stillwater |
 * Stillwater Drive-Thru |
 * Stillwater Perkins |
 * Stroud |
 * Vinita Retail |
 * Vinita ITM |
 * Vinita Commercial |
 * Yukon

 * ADDRESS INFO

 * RCB Bank
 * P.O. Box 189
 * Claremore, OK
 * 74018
 * 855.226.5722
 * NMLS #798151
 * RCB Bank Routing Number: 103112594
 *    



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