Have you ever felt this way?

Breaking up with someone – even your bank – can be hard to do. Whether you’ve simply become too comfortable, or worse, numb to the level of service you’re use to – we want to help you evaluate if you’re ready to switch for the better. We are.

Top 10 Reasons to Break Up

Forgot me
  1. You feel insignificant.

There’s nothing worse than feeling like you don’t matter. Do you feel like you could walk away from the relationship, move everything out and they wouldn’t even realize you’re gone? Have you ever been greeted with a nice smile yet feel like you’re just one more transaction?

Our main goal is not just to know your name. It’s to know you.  Have a genuine conversation. Check in on your latest life milestones and make sure, most importantly, that we are giving you the attention you deserve. We’re always looking for ways we can empower you to move forward.

We realize that money isn’t the key to happiness, but if we can help you earn or save more – you sure can find more ways to get to your happy place faster. That makes us all happy.

  1. You’re doing all the work.

A healthy relationship is a balanced one. A two-way street. Do you ever feel like you have to find all the necessary information or that you’re on your own to figure things out?

We always want to go the extra mile. Every team location gathers each morning to share stories of how we surpassed expectations with extraordinary service and the great results our customers gain from it. Our quotas are based on success stories of service, not the number of accounts we have.

We’ll assist you in breaking up and move everything out and over. Why? We know how much work there may be for you to change. You shouldn’t have to do that alone.

long distance
  1. It’s a long distance relationship.

Do you know where your bank’s headquarters are? Is there a branch near you? Could you walk in and ask to meet the CEO? The most important part of a significant bank relationship is to know exactly where your resources are and how easy it is to access them.

Chances are, if you have to press a number to get to the next automated prompt to be put into a cue to wait for someone who doesn’t know you to answer your call and then pass you along to another department in another state – you should consider a local relationship that is more rewarding.

  1. You feel like you’re spending too much.

Have you ever looked at your statement and thought, “Wait a minute…What’s this for? Why did I pay for that? Why is that an additional charge??”

We don’t want that. Ever.

Our personal checking accounts have no monthly charges (ever), no minimum balance required, and you can qualify* for additional rewards. Plus, we’ll help you chose the account that best fits your unique needs.

Our online and mobile app banking, which includes bill payments are at no cost to you. Always. You can transfer, withdraw or deposit as much as you want – any time you want. You can even stop in or call us and we can help do that for you. We’ve also got mobile check capture for when you’re on the go.

Is everything free here? No. But we will confidently allow you to compare us to any financial institution. We are transparent and upfront with you. We also avoid any “surprise” fees. We keep it simple.

Not sure
  1. You feel like you can’t have any “you” time.

Do you feel like you can’t wander too far from home without paying for it later? We’ve heard it before. “You don’t have enough ATMs or locations.”

What if we told you that you can go to any ATM – anywhere in the US –  and it will be ok? We want you to get out there and have fun and be you.

How does that work?

When you have one of our checking accounts and meet the qualifications* we will refund you up to $25 in ATM fees anywhere – every month you qualify.

It’s a big country. Enjoy it!

  1. You’ve been afraid to commit.

Committing is serious, especially if you’re not sure you should. Do you have more than one bank? Are you afraid to “put all of your eggs in one basket”?

We’re patient. And humble. We know in the past you’ve probably wanted to keep your options open and take advantage of the next limited deal other banks may offer. It happens.

We just hope that over time, you’ll feel confident that deals and offers come and go, but we hold true to what we say. No expiration dates here! We commit to you from the beginning that what you see is what you’ll always get.

We want you to believe we’re worth it. We think you are.

ATM fees
  1. You’re not growing together.

You’ve changed and that’s ok. In life, we are constantly evolving and getting smarter, wiser. To think we all stay the same would be sad really. We’re not the same as we were yesterday either.

Technology, community and people – we keep getting better. Faster. Many banks stay the same even if you don’t. Call it old fashioned, but we won’t be put in that square box.

We keep getting smarter and wiser too. Like you. Over the years we all may change our hair styles, homes, hobbies, music or even careers. However, when we change, one thing stays the same – we are dedicated to your financial protection, social connection and life direction. So party on.

  1. You’re not happy and you haven’t been for a long time.

Can you believe some of our newer customers actually believed happiness meant you just weren’t unhappy?

We really hope you aren’t conditioned to thinking that a banking relationship can’t be a happy one.  If you are, that’s unfortunate!  We want to have a chance to show you the difference.

Guy not happy
Lack of trust
  1. Lack of trust.

Do you feel secure in your relationship? Do you ever doubt them? There are two different ways to evaluate this one.

First, fraud and identity theft are at an all-time high and will continue to increase. We have red flag monitoring in place and feel confident that we are diligent in our fight to protect you. Why do we think we are better? In the case of a trigger while you are out using your card, we notify you and help shut it down. Also, if we have to close your card immediately to protect further fraud, we can reprint a new card at any of our locations to help you get back to normal quickly. We can even help you set a spending limit to avoid large amounts of fraud on your card.

Next, what happens if your bank merges or closes? There’s a fast growing trend there also. Is your bank solid financially and FDIC insured?

We’re not going anywhere. We’re expanding our services, locations and offerings for you to always push beyond a transaction and be the trusted adviser you deserve.

  1. You don’t feel connected.

Maybe they have all the bells and whistles, yet aren’t receptive to your needs or communicate well. Or maybe it’s the opposite – they’re great to talk to but really lacking in looks or compatibility.  You just don’t feel like you have the complete package.

What if you could have the sleek technology, great communication and – dare we say – a little appreciation once in a while?

We’re not some flash in the pan. We’re here. We’re committed and we are dedicated to the communities we live in. Don’t be surprised if you run into Team Richwood at your child’s soccer field. Uptown Friday. Helping hand out food at the local pantry. Sitting in the pews. Throwing candy at the parade. Clerking Care Train. Trying to keep up in the 5ks. Maybe or maybe not getting a birdie at the golf tourneys.

Ok. You get it. We’re here and human.

We know life is what’s happening right now while you’re making plans. Let us be there for you today and for what comes later down the road.

not connected

You’re still reading! Great. Now’s the easy part. Are you ready to move on? Give us a shot? And don’t worry. There’s no blame game or bad feelings towards your old bank. You’re just ready for better.

How should we begin?

  1. Come on in and meet us! Let’s do this! Pick a place and time.  Or –
  2. Go to our switch guide page and start the process. Or –
  3. Fill out this general contact form below and we’ll reach out to you.


Whatever works for you. We’re flexible.


We can’t wait to meet you!