Effective October 2, 2017
No charge for any withdrawal, deposit, inquiry or transfer.
(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.)
(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, Electronic Banking Disclosure – Foreign Transactions for information on currency exchange.)
(Fee shown as EFT Service Charge SVC CHG Intrntl Tr An)
1% of transaction amount after conversion to U. S. Dollars.
Also see RCB Deposit Account Agreement, Electronic Banking Disclosure – Foreign Transactions for information on currency exchange to U.S. Dollars.
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.
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.
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
(Fee shown when charged as Incoming Wire Fee)
$15 per wire
(Fee shown when charged as Int’l Wire In Fee)
$15 per wire
(Fee shown when charged as Wire Fee Out)
$35 per wire
(Fee shown when charged as Int’l Wire Fee Out)
$45 per wire
(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)
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 – maximum of 5 Overdraft and/or NSF Returned Item Fees may be charged per banking day.
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)
– 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 retail 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.
When your personal 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.
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
No charge per regular 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.
(Fee shown as Statement Fee when charged)
No charge per statement cycle if receiving electronic statement only or paper statement only
$1 per statement cycle if receiving both electronic AND paper 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.
You request a Stop Payment Order be placed on a check. 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. (Fee shown as Direct S/C – Stop Payment Fee)
$30 per request
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
Bank regulation limits the number of withdrawals to 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
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 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
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
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
An order of personal checks, deposit slips or other banking supplies.
Varies, based on nature and quantity of items ordered.
An emergency check when you don’t have any checks left in your checkbook.
$1 per check
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
$10 per signature
No charge for notarization of Bank documents.
$10 per signature for notarization of non-Bank documents
You request the bank to complete research for various data within your account records.
$45 per hour
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 the full $150 fee is not available.
Account will not be overdrawn by this fee.
Box size and availability vary by branch.
$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
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
If the safe deposit box must be opened and the customer’s key is not available for use, for example, both keys have been lost.
$125 per drilled Safe Deposit Box
Refer to River City Bank Deposit Account Agreement and Product Information and Disclosures for further account information.