It’s a bank that’s owned and operated by people in the community. Our bank works hard and invests a lot of time and effort into making sure community schools, non-profit organizations, and residents profit and have a better way of life.

Your Richwood Bank routing number is the first 9 digits on the bottom left corner of your checks. The Richwood Bank routing number is 044106588.

You can see all of our branch locations and the hours they’re open on our Locations & Hours page.

We are closed for New Year’s Day, Martin Luther King, Jr. Day, Presidents’ Day, Memorial Day, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving, Christmas Eve (½ day), Christmas Day, and New Year’s Eve (½ day).

Yes, each branch office has at least two notaries on hand each day. The service is free to customers and $2 for non-customers.

Yes, our Travel Money Cards can be used at ATMs and anywhere Visa® is accepted. The cards are reloadable for a fee of $2.50, and there’s an activation fee of $8. Our gift cards can be used anywhere Visa is accepted; the activation fee is $5. Stop by or contact us to place an order.

We update all customer information nightly. Whether you access our online banking site or visit our customer service department, your account information is updated every day to reflect all account activity.

You can do most of your banking by using direct deposit or ACH (Automated Clearing House) transactions. We also offer a bank-by-mail service that allows you to mail non-recurring deposits. Businesses can deposit checks remotely via electronic Remote Capture.

Your deposits are available by both ATM and online banking immediately after being deposited, unless a hold has been placed on the funds (you will be alerted at the time of deposit if a hold is being placed).

Rates can vary substantially; please contact us for the most up-to-date rates and information.

As long as we have written authorization, you can have someone else do your banking. We encourage you to add the person(s) as a signer to your account.

Of course! You can obtain copies of any of your checks (as long as they are not ACH transactions).

Yes, your Personal Identification Number (or PIN) can be changed by calling our support center. You will need to provide some personal information to verify your identity.

All staff members are able to give balances over the phone after they’ve verified the identity of the customer. Customers are also encouraged to use our online banking service, where they can view their balances and transactions at any time safely and securely.

You must first find out if the person paying you has direct deposit capabilities. Next, they need your routing number and account number to send the deposit. Please call one of our offices for more details on direct deposit.

Yes, we do. Read more about our HSA accounts or contact us for more information.

You need $50 to open an account ($10 for minors). Bring your valid driver’s license with you when you wish to open the account (or any other form of photo ID).

Yes. Each individual customer at Richwood Bank is insured by the FDIC to at least $250,000. You can learn more by visiting the FDIC website here.

After your checking application has been approved, you will receive Richwood’s routing and transit number and your account number. If your employer participates in a direct deposit program, simply provide this information to the human resources or payroll department at your company; direct deposit usually begins within 30 days.

Account information is available from our Customer Service Representatives during business hours at any of our offices. After business hours, please use our online banking 24 hours a day.

Yes, many of our checking accounts are interest bearing.

Yes! Your everyday banking activities can be performed with the convenience of direct deposit, online banking, and ATMs.

With online banking, you have access to your account 24 hours a day, 7 days a week.

Yes, funds can be transferred to and from your Richwood accounts by wire transfer or via ACH (Automated Clearing House) debits or credits.

Terms and interest earned on IRAs can vary substantially. For more details, please contact us or call Deb, our IRA specialist at the Richwood Office, at 740-943-2317.

Once a decision is made to pay or return a check, the actual posting process takes place the next day.

At this time we only accept applications from persons residing within the United States with a valid U.S. tax identification number (Social Security number). If you have questions, please contact us and we’ll do our best to answer them for you.

After your checking application has been approved, you will receive Richwood’s routing and transit number and your account number. If your employer participates in a direct deposit program, simply provide this information to the human resources or payroll department at your company; direct deposit usually begins within 30 days.

Yes, we do. Read about our merchant services here or contact us for more details.

Yes, speak with one of our friendly branch managers for details on all of our business services.

Yes. Check out our Business Online Banking page to find out more. Of course, you can always call us or stop by, and we’ll be happy to assist you in person or over the phone.

For installment loans, officers can contact customers the same day. Most mortgages and business loans go before our loan committee (which meets twice a week). Typically you’ll have an answer on these types of loans within three or four days.

We believe that the “one on one” aspect is very important to the credit application process. Our loan officers are happy to meet with you in person at a convenient time for you. Contact us to set up an appointment.

You don’t need an appointment, but you may have to wait if you arrive on a busy day. If time is a concern for you, it doesn’t hurt to call ahead or schedule an appointment.

Yes, just let us know that you would like to do this. If you sign up for automatic payments at loan closing, you’ll receive ¼% discount on the loan. (NOTE: This only applies to installment-based loans.)

None of the loans from Richwood Bank have prepayment penalties.

If you amortize over a longer term, your required payment will be lower. You can always budget to pay more, and since there are no prepayment penalties, you will pay off your loan sooner and save on interest charges.

You save ¼% on an installment loan plus the price of a check and the cost of mailing. You also have the convenience of knowing that even if you’re on vacation or the weather’s bad, your loan payment will automatically come out of your account on the correct date.

You’ll find answers to many of your online banking and bill pay questions in the LEARN section of our website under Personal and Business pages. Just call our support center for further details and to get set up.

Currently, Richwood Bank does not offer IRAs online; however, we continually update our products and services section so check back with us soon.

Because of size and security restrictions, we can’t send your entire customer history to our online banking service. Currently we begin your online banking history from the day you sign up.