River City Bank (RCB) Schedule of
Applies to Business Fees and Service Charges Only
Effective February 1, 2023
Commercial Cash Management Online Banking Fees
Single User Commercial Cash Management:
(defined as one person with online banking access.) Service includes balance inquiries, access to historical account information and check images, reporting capabilities, intraday balance information, internal transfers between like-owned RCB accounts, stop payment placement ability and access to Bill Payment services. Compatible with Quicken and QuickBooks.
No charge
Multi-User (two or more) Commercial Cash Management:
(defined as two or more persons with online banking access.) Service includes balance inquiries, access to historical account information and check images, reporting capabilities, intraday balance information, internal transfers between like owned RCB accounts, stop payment placement ability and access to Bill Payment services. Compatible with Quicken and QuickBooks.
$5 per month
Bill Payment
$10 per month, includes first 20 Bill Payments
$0.55 per payment over 20
Expedited Bill Payment – Electronic Delivery
(Fee shown as Exp Bill Pymt Fee)
$6.95 per payment
Expedited Bill Payment – Overnight Check Delivery
(Fee shown as Exp Bill Pymt Fee)
$30 per payment
ELECTRONIC BANK STATEMENTS & NOTICES
Electronic Communications
No charge per notice
Electronic Statement
(Fee shown as Statement Fee when charged)
No charge per statement cycle if receiving electronic statement OR paper statement only
$1 per statement cycle if receiving both electronic AND paper statements
Additional Commercial Cash Management online services are available, including ACH Origination, Online Wire Transfers, Positive Pay and Remote Deposit. See your Account Officer for more information. Fees for such services are contained in the separate service agreements.
Overdraft Fees
Overdraft:
If RCB pays an item when your account does not have enough money in your Available Balance1 to cover a transaction. (Fee shown as Overdraft Fee )
$30 for each check, automatic bill payment, ACH debit or recurring debit or similar transaction presented for payment against your account.
In the event an item is presented multiple times for payment, a fee may be applied after each presentment.
– The frequency in which an item is presented is determined by the merchant and may occur as often as each business day.
– There is not a maximum number of fees that can be assessed in connection with a single item being presented multiple times for payment.
NSF (Non-Sufficient Funds) Returned Item:
If RCB returns an item when your account does not have enough money in your Available Balance to cover a transaction. (Fee shown as NSF Returned Item Fee)
Maximum of 5 Overdraft and/or NSF Returned Item Fees may be charged per banking day.
– We will not charge an Overdraft or NSF Returned Item Fee unless your Current Balance2 will become negative if the item(s) are or would have been paid.
– We will not charge an Overdraft or NSF Returned Item Fee if the transaction triggering the Fee was made at an ATM or using your ATM/Debit card in a one-time transaction.
Overdraft Transfer:
When your RCB business checking and savings account are linked, and the linked checking account Current Balance is overdrawn, and your savings account has a sufficient Available Balance to cover the overdraft, a transfer is automatically made by RCB from your savings account to your checking account. Refer to RCB’s Savings Overdraft Transfer Authorization and Agreement, and your RCB Deposit Account Agreement for further information. (Fee shown as Transfer Fee)
$5 per automated transfer from Savings to Checking Account
The Transfer Fee will not be charged if there are not enough funds in the savings account to cover the entire overdraft amount.
Specialty Account Fees
ATM on Premise Fee – Owned, Rented, or Leased.
(Fee shown as ATM on Premise Fee)
$100 per month
Money Service Business3 Fee
$500 per month
Courier Service
As quoted
Account Activity Fees
Deposits to Account made in branch, through night drop or Armored Transport (Armored Courier)
$1.25 per deposit over 20
Deposits to Account made by ATM, mobile banking, or ACH
$0.10 per deposit over 20
Debits Paid Against Account:
Paper (check), in person at branch, electronic (ACH), or for coin/currency change order
$0.14 per debit paid against account over 50
Currency Deposited
$1.20 per $1,000 cash deposited, starting at $1,000 plus.
Fee assessed monthly to the account in which the cash was deposited, as one cumulative fee.
Examples: $800 cash deposit = NO FEE. $1,000 cash deposit = $1.20 fee. $1,500 cash deposit = $1.80 fee.
Coin Bag Processing
$6 per bag
Armored Courier Deposit
$2.50 per deposit plus negotiated cost of armored service plus Deposits to Account Fee shown above when applicable.
1Your Available Balance is defined as your Current Balance plus or minus today’s activity, minus holds for total of transactions that have not yet cleared, and minus total of deposited checks that have not yet cleared.
2Your Current Balance is defined as the amount of money you have on deposit in that particular deposit account.
3The term “Money Services Business” includes any person/company doing business, whether or not on a regular basis or as an organized business concern, in one or more of the following capacities: (1) Currency dealer or exchanger; (2) Check casher; (3) Issuer of traveler’s checks, money orders or stored value; (4) Seller or redeemer of traveler’s checks, money orders or stored value; (5) Money transmitter; or (6) U.S. Postal Service.
Wire Transfer Fees
Incoming Domestic Wire Transfer
(Fee shown when charged as Incoming Wire Fee)
$15 per wire
Incoming International Wire Transfers
(Fee shown when charged as Int’l Wire In Fee)
$15 per wire
Outgoing Domestic Wire Transfer
(Fee shown when charged as Wire Fee Out)
$35 per wire
Outgoing International Wire Transfer sent in U.S. Dollars
(Fee shown when charged as Int’l Wire Fee Out)
$45 per wire
Outgoing International Wire Transfer Foreign Exchange Fee sent in Foreign Currency
(Fee shown when charged as Wire FX Fee.) This fee is assessed in addition to the Int’l Wire Fee Out shown immediately above.
$30 per wire
The total fee for an Outgoing International Wire Transfer sent in foreign currency is $75. ($45 Int’l Wire Fee Out + $30 Wire FX Fee)
Other Miscellaneous Deposit Account Fees
Check Stop Payment:
You request a Stop Payment Order be placed on a check. For checks drawn off of your River City Bank account, you may make this request through online banking, in-person at a branch, or over the phone. Your Stop Payment Order is effective for 6 months. For Bill Pay checks, you may make this request in-person at a branch, or over the phone. (Fee shown as Direct S/C – Stop Payment Fee or Stop Payment Fee)
$30 per request
ACH Stop Payment:
You request a Stop Payment Order to be placed on an Automated Clearing House (ACH or electronic debit) item. This request may be made in-person at a branch or by phone. Requests made by phone require written confirmation within 14 days. Your ACH Stop Order is effective indefinitely, unless RCB is otherwise instructed by you. (Fee shown as Direct S/C – Stop Payment Fee.)
$30 per request
Excessive Withdrawal Fee:
The Bank limits the number of withdrawals and transfers that may be made each calendar month from Savings and Money Market Accounts to a total of 6. See RCB Deposit Account Agreement for specific limitations. (Fee shown as Service Charge – Excess Withdrawal)
$15 for each excessive item.
Fees will show as a total for each calendar month. For example, 3 excessive item fees during the calendar month will show on your monthly statement as one charge for $45
Deposited Item Returned or Cashed Check Returned:
You deposit or cash an item that is returned unpaid. (Fee shown as Dep. Return Item Fee or Redeposited Item Fee)
In the Bank’s sole discretion, certain returned items may be reprocessed (resubmitted for payment) in a second attempt to collect payment on your behalf and save you the inconvenience of deducting the amount of the item from your account balance. If the item is returned unpaid a second time, it will be charged back to your Account and a Dep. Item Return Fee will be assessed. You may be charged up to a combined total of $14 in such fees for the charge back of one deposited or cashed returned item.
$10 per item charged back to your Account
$4 per item reprocessed, or redeposited, not charged back
Check Copy:
Providing additional copies of your checks that you pick up in-person at a Branch or ask us to mail or e-mail to you. There is no charge for the first two items per statement that we copy for you.
$1 per check
Cashier’s Check:
Check paid for by you and issued by the Bank. Cashier’s checks are treated as guaranteed funds because the bank, rather than the purchaser, is responsible for paying the amount. Can be an alternative to a personal check.
$8 per check for RCB Customer
$20 per check for non-RCB customer converting an RCB check into a cashier’s check to the same payee
Order for Checks or Supplies:
An order of business checks, deposit slips or other banking supplies.
Varies, based on items ordered
Counter Check:
An emergency check when you don’t have any checks left in your checkbook.
$1 per check
Statement Copy:
Providing additional copies of your statement that you pick up at a branch or ask us to mail or email to you.
$5 per statement
Medallion Signature Guarantee
$10 per signature
Notary Service
No charge for notarization of Bank documents.
$10 per signature for notarization of non-Bank documents
Account Research:
You request the bank to complete research for various data within your account records.
$45 per hour
Legal Process:
RCB receives a garnishment, attachment, levy, search warrant or other legal order for processing against your deposit account.
$150 per legal order or the remaining funds available in the account after satisfying the Legal Process, if full $150 fee is not available.
Account will not be overdrawn by this fee.
Automated Teller Machine (ATM) and Debit Card Fees
River City Bank (RCB) ATM Activity
No charge for any withdrawal, deposit, inquiry or transfer
Non-River City Bank ATM Activity
(Fee shown as Direct S/C – ATM Foreign WD Fee) Avoid these fees by using an RCB ATM
$2.50 for any inquiries, transfers, withdrawals while using a non-RCB ATM in the U.S., including US Dollar transactions performed in Puerto Rico and the U.S. Virgin Islands.
Fees from the company that owns and/or operates the ATM owner still apply. (See Other ATM/Debit Card Transactions, below in this section.)
Foreign Country ATM Cash Withdrawal Activity
(Fee shown as Direct S/C – ATM Foreign WD Fee)
$2.50 per withdrawal, inquiry or transfers at ATMs outside of the U.S., including foreign currency transactions performed in Puerto Rico, and the U.S. Virgin Islands.
Fees from the ATM owners still apply. See Other ATM/Debit Card Transactions, below in this section. Currency conversion costs also apply.
Foreign Country Purchases, cash transactions in a currency other than U.S. dollars.
(Fee shown EFT Service Charge – SVC CHG Intrntl Tr An)
1% of transaction amount after conversion to U. S. Dollars.
Currency conversion costs also apply.
Other ATM/Debit Card Transactions:
Merchants may charge a fee for ATM and Debit Card transactions. This is not an RCB fee. (Fee shown as ATM Surcharge or may be included in your transaction by the Merchant)
Fees vary by Merchant
Card Replacement:
Requests made after 1 pm PST, Monday-Friday excluding Federal Holidays will be considered received on the following business day.
$10 per card for each card ordered within one year of receipt of previous card, due to loss or damage.
Fee will not be assessed when replacement cards are ordered due to fraud and/or theft of card regardless of time since receipt of card.
Expedited Card Delivery:
Requests made after 1 pm PST, Monday-Friday excluding Federal Holidays will be considered received on the following business day.
$50 per card for 3-Business Day Delivery
Safe Deposit Box Rental Fees (discontinued)
Safe Deposit Box:
Box size and availability vary by branch.
Fees applicable to current safe deposit box holders.
$40 to $150 annual fee, dependent on size of box rented
2” X 5” $40.00
3” X 5” $50.00
4” X 5” $60.00
5” X 5” $70.00
3” X 10” $80.00
5” X 10” $90.00
6” X 10” $100.00
9” X 10” $140.00
10” X 10” $150.00
Replacement Key:
You will be issued two Safe Deposit Box entrance keys. If you lose one key, or close your box and only return one key, you will be charged a Replacement Key Fee.
$20 per replacement key
Drilling Fee:
If the safe deposit box must be opened and the customer’s key is not available for use. This could occur, for example, if both customer keys have been lost, or if a box is drilled for non-payment of rent.
$125 per drilled Safe Deposit Box
If your account(s) are on Account Analysis or you are interested in applying for Commercial Cash Management Services, other fees may apply and will be disclosed to you upon request. Refer to River City Bank Deposit Account Agreement and Product Information and Disclosures for further account information.
