Ready to open an account?

Schedule time with a Richwood customer specialist for an in-branch appointment. 

How it works >>


Pick your time

Avoid the possible wait and know we'll be ready to assist you when you arrive

Complete the fillable form

Fill out the account opening information to save you time at your scheduled appointment

Choose your preferred branch

Select the branch location you would like to open an account with

Confirm your appointment

Click the "Book this appointment" button and we'll be excited to see you soon

Long-Term Banking Rewards

Our reward checking accounts are always free and require no minimum balance, but when you do three specific things each month – you qualify for additional rewards!

Earn Interest


Perfect for when you are able to keep a high balance at all times.


Earn Cash Back


Best if you tend to have lower balances due to frequent purchasing demands.


Compare Accounts
Switch Kit

When you’re ready to

choose Richwood Bank

We will contact, manage, and monitor the entire process from start to finish. Our switch team experts educate you on the process, keep you up to date with the progress, and monitor the account transfers to ensure every transaction is completely switched.

Switch Without a Glitch

Traditional Checking Accounts

When you don't want to get rewarded. Our traditional checking accounts keep it simple for you.

Choice Checking

BEST FIT: When you use your debit card often to make purchases.

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Advantage Checking

BEST FIT: When you maintain high balances and want to earn interest.

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Premier Gold Checking

BEST FIT: You’re age 55 or better and want free checking and free checks.

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What’s in a Richwood Bank debit card?

EMV Technology

A computer chip that stores your card data and protects against fraud.

ID Theft Monitoring

Continuous ID theft monitoring and suspicious activity notifications – at no cost for primary checking account holders.


Customize your debit card with your own photo.


Savings Accounts for Every Goal

Whether you save a little or a lot, we have a savings account that will fit your needs and make it easy to reach your goals.


Total Identity Theft Monitoring

We offer a comprehensive ID theft monitoring and recovery service to primary account holders at no cost.