Schedule of Miscellaneous Fees and Service Charges
Applies to Consumer Fees and Service Charges Only
Effective September 6, 2022
Automated Teller Machine (ATM) Fees 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 each for any inquiries, transfers, withdrawals while using a non-RCB ATM in the U.S., including U.S. Dollar transactions made in Puerto Rico and the U.S. Virgin Islands.
Fees from the company that owns and/or operates the ATM still apply. (See Other ATM/Debit Card Transactions, below in this section).
Foreign Country ATM Cash 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. Also see RCB Deposit Account Agreement, Consumer Electronic Fund Transfers – Foreign Transactions for information on currency exchange.)
Foreign Country Purchases and Cash Withdrawals in a currency other than U.S. dollars:
(Fee shown as EFT Service Charge SVC CHG Intrntl Tr An)
1% of transaction amount after conversion to U. S. Dollars. See above for additional fees applicable where the transaction is an ATM transaction. Also see RCB Deposit Account Agreement, Consumer Electronic Fund Transfers – Foreign Transactions for information on currency exchange to U.S. Dollars.
Other ATM/Debit Card Transactions:
Merchants may charge a fee for ATM and Debit Card transactions. This is not a 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 p.m. PST, Monday – Friday excluding Federal Holidays will be considered received on the following business day.
$50 per card for 3-Business Day Delivery
Wire Transfer Fees
Incoming Domestic Wire Transfer:
(Fee shown when charged as Incoming Wire Fee)
$15 per wire
Incoming International Wire Transfer:
(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 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 Ongoing International Wire Transfer sent in foreign currency is $75.
($45 Int’l Wire Fee Out + $30 Wire FX Fee)
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, 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.
– We will not charge an Overdraft or NSF Returned Item Fee if your account balance at the end of the day is overdrawn by $10 or less.
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 per account.
– 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.
– We will not charge an Overdraft or NSF Returned Item Fee if your account balance at the end of the day is overdrawn by $10 or less.
Overdraft Transfer:
When your RCB consumer 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.
CONSUMER ONLINE BANKING SERVICES AND MOBILE BANKING FEES
Set up Fee
No charge
Monthly Maintenance Fee
No charge
Transfer Between Accounts Using Online Service
No charge per transfer between RCB Accounts
No charge per transfer between your RCB Deposit Account and your External Deposit Account located at another Bank
Bill Payment Service
No charge per regular bill payment request
Expedited Bill Payment Request:
You enter a Bill Payment request into your RCB Consumer Online Banking service and request the payment to be sent immediately (Fees will show as Exp Bill Pymt Fee)
$6.95 for each expedited electronic payment delivered
$30.00 for each paper check sent via overnight delivery
Cut-off time for expedited overnight payments (same day service) is 4:45 pm PST, Monday-Friday, excluding Federal Holidays.
Electronic Communications
No charge
Electronic Statement
(Fee shown as Statement Fee when charged)
No charge if receiving electronic periodic statement OR paper periodic statement only
$1 per month if receiving both electronic AND paper periodic statements.
All Deposit Account Fees disclosed within this Schedule of Miscellaneous Fees and Service Charges still apply to the requests and activity that occur on the deposit account, regardless of whether they were performed within Online Banking, Mobile Banking, or by any other method.
1 Your 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.
2 Your Current Balance is defined as the amount of money you have on deposit in that particular deposit account.
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 Payment Order is effective indefinitely, unless RCB is otherwise instructed by you. For example, you may want to stop this month’s mortgage payment, but allow next month’s mortgage payment to process normally. (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. See RCB Deposit Account Agreement for specific information. (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 then 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 personal checks, deposit slips, or other banking supplies.
Varies, based on nature and quantity of 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 RCB documents.
$10 per signature for notarization of non-RCB 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, subpoena 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 the full $150 fee is not available.
Account will not be overdrawn by this fee.
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 as shown below.
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
Elite Checking Account holders will receive a $40 discount on one annual safe deposit fee rental
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
Refer to River City Bank Deposit Account Agreement and Product Information and Disclosures for further account information.
