New Personal Checking Accounts

TIRED OF SHORT-TERM BANKING REWARDS?
WE ARE TOO.

Introducing Richwood Bank’s NEW and IMPROVED
Consumer Checking Accounts

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

Are you in the right account that is geared to give you the most out of your financial prowess?

BEST FIT

When you are able to keep a high balance at all times.

  • At least one direct deposit or automatic payment post and settle
  • At least 12 debit card purchases post and settle
  • Be enrolled in and agree to receive e-statements
  • Earn 2.00% APY on balances $0.01 to $9,999.99
  • Earn 2.00% – 0.63% on balances of $10,000 and above, depending on balance in account
  • Nationwide ATM Fee refunds up to $25 total

BEST FIT

If you tend to have lower balances due to frequent purchasing demands.

  • At least one direct deposit or automatic payment post and settle
  • At least 18 debit card purchases post and settle
  • Be enrolled in and agree to receive e-statements
  • Cash back based on the tier of debit card purchase volume:
    Tier 1 $150 – $300 = Earn $5 cash back
    Tier 2 $300.01 – $5,000 = Earn $10 cash back
    Tier 3 $5,000.01+ = Earn $15 cash back
  • Nationwide ATM Fee refunds up to $25 total

BEST FIT

New adults or Golden-Agers who don’t have a consistent recurring income or direct deposit.

  • Be enrolled in and log into online banking
  • At least 12 debit card purchases post and settle
  • Be enrolled in and agree to receive e-statements
  • $3 Cash Reward for PopMoney credit or Mobile Check Capture deposit
  • $5 Cash Reward if you have both, PopMoney credit and a Mobile Check Capture deposit
  • Nationwide ATM Fee refunds up to $25 total

Traditional Checking Accounts

Choice Checking

BEST FIT

When you use your debit card often to make purchases.

Highlights

  • $7 monthly service charge
  • Eliminate the service charge when you opt in to receive your statement electronically, and spend more than $300 during your monthly statement cycle
  • $50 minimum deposit to open

Advantage Checking

BEST FIT

When you maintain high balances and want to earn interest.

Highlights

  • Earn interest
  • $7 monthly service charge
  • Eliminate the service charge with $2,500 balance or average daily balance of $3,500
  • $2,500 minimum deposit to open

Premier Gold Checking

BEST FIT

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

Highlights

  • No monthly fee
  • No minimum balance
  • Free box of 240 checks annually
  • $50 minimum deposit to open

With a simple visit to the branch and by filling out a quick form, we can move you to any of these accounts that may be a better fit! Questions? Contact us at 888-943-2317.