Community Reinvestment Act - Public File

Products and Services 2024

DEPOSIT PRODUCTS

Consumer Accounts:

  • Elite Interest Checking
  • Standard Checking
  • Money Market
  • Elite Money Market
  • High Yield Money Market
  • Regular Savings
  • Elite Savings
  • Certificate of Deposits
  • Elite Certificate of Deposit
  • Individual Retirement Certificate of Deposit
  • Premium Money Market

Business Accounts:

  • Business Interest Checking Plus
  • Business Interest Checking
  • Business Checking
  • Custom Business Checking – Non-Interest Bearing (Business Analysis Checking)
  • Custom Business Interest Checking – Interest Bearing (Business Analysis Checking)
  • Investment Sweep
  • Legal Service Trust Fund– IOLTA
  • Business Money Market
  • Elite Business Savings
  • Business Savings
  • Certificate of Deposit
  • Public Fund Checking
  • Public Fund Custom Checking (Business Analysis Checking)
  • Public Fund Certificate of Deposit
  • Public Fund Certificate of Deposit – (CCA Clients Only)
  • Money Market Escrow Retention
  • Contractor Escrow Account
  • Public Fund Interest Checking
  • Public Fund Money Market
  • Public Fund Money Market Plus
  • Elite Business Money Market
  • High Yield Business Money Market
  • Premium Business Money Market

CREDIT SERVICES:

Mortgages:

  • 1st Mortgage – Fixed Rate Owner-Occupied
  • 1st Mortgage – Fixed Rate Second Residence

Home Equity Loans and Lines:

  • Home Improvement/Home Equity Loans – Owner Occupied
  • Home Improvement/Home Equity Loans – Second Residence
  • QuickEquity Line – Owner-Occupied
  • QuickEquity Line – Second Residence

Farm Loans:

  • Crop secured Lines of Credit
  • Agricultural Equipment Non-Revolving Lines of Credit
  • Agricultural Equipment Term Loans
  • Crop and Permanent Planting Development
  • Agricultural Real Estate secured term loans (including Acquisition)
  • Agricultural Real Estate secured Lines of Credit

Commercial Real Estate Loans:

  • Construction and Development Loans (including Acquisition)
  • Commercial Real Estate secured Term Loans (including Acquisition)
  • Commercial Real Estate secured Lines of Credit (revolving and non-revolving)

Commercial Loans:

  • Unsecured Lines of Credit (revolving and non-revolving)
  • Asset Based Lines of Credit (such as accounts receivable and inventory)
  • Term Financing (including equipment or other business purposes)
  • Demand Notes (to support standby letters of credit or other bank obligations)

Small Business Loans:

  • Unsecured Lines of Credit
  • Secured Lines of Credit
  • Overdraft Revolving Lines of Credit (Sole Proprietor only)
  • Equipment
  • Term Financing
  • Automobile

Consumer Loans:

  • New/Used Automobile and Truck Loans
  • Quick Cash Automatic Overdraft Protection Line of Credit
  • Quickline of Credit (unsecured line of credit)
  • Unsecured Personal Loan
  • Savings/CD Secured Personal Loan

OTHER SERVICES:

  • Mobile Banking
  • MoneyPass ATM Network
  • Remote Deposit Capture / Direct Link Merchant
  • Positive Pay
  • Lockbox
  • Automated Clearing House (ACH)
  • Wire Transfers
  • Online Wires
  • Online Banking & Bill Pay
  • Commercial Cash Management
  • ATM and Debit Mastercards
  • Bank-By-Mail Service
  • Sweeps
  • Integrated Payables

OTHER SERVICES BY REFERRAL/THIRD PARTY:

  • Merchant Card Services
  • CDARS/ICS/DDM
  • Courier Services

COST OF SERVICES

Various charges and fees may be imposed on deposit/credit services or accounts offered by River City Bank. Because fees are subject to change, please consult River City Bank’s Schedule of Miscellaneous Fees for current information. For other fee information, please contact our consumer or commercial loan department. There is no variation in the availability or cost of products among branch locations.

Bank deposits are insured by the Federal Deposit Insurance Corporation. For more information on FDIC insurance coverage, please contact a bank representative or visit the FDIC website at www.fdic.gov.