Save Time & Money

Affordable business operations services

Our affordable Business Operations Services save you time and money. Want more time with your employees and customers? How about less stress and headaches from paperwork? Richwood Bank gives you all this and more, at a cost you can afford.



By focusing on what makes your business unique, staying relevant, identifying opportunities and then taking action – we push our local businesses into the next level of results and increase the bottom line. If you want fresh branding, a mobile friendly website, and digital solutions to get you noticed in this cluttered world, we can help you with that!


Get complete, customized payroll processing, including tax preparation and payment, with full personalized reports for your records. Our team becomes the accounting extension your business needs. It’s seamless, customized and easy.

Merchant Services

Make it easy for your customers to do business with you. Richwood Bank provides your business with the power to process debit and credit cards, so your customers can pay the way they want. We’ll audit your transactions for free and see if we can beat your current rate. Mobile, POS, eCommerce and more.

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Business Banking

Online Banking

Richwood Bank’s online banking is a secure way to get instant online access to your accounts anytime. Check your balance, see if a payment has cleared and even pay your employees by direct deposit! All you need is a computer with internet access.

  • Send ACH payments
  • Pay employees direct deposit
  • Download account information into financial software, like Quickbooks
Need to set up online banking? Contact Us
Business Banking

A Suite of Solutions

Our Business Online Banking portal offers a suite of services to help you manage your accounts. You can initiate or approve ACH transactions or wire transfers, deposit check payments via Digital Deposit, or make secure online bill payments to vendors and utilities quickly and easily.

Interested in utilizing more services? Contact Us

Additional Solutions

Digital Deposit

Take back your valuable time with this simple service that makes daily bank runs a thing of the past. With Digital Deposit, you just scan checks and send them to us electronically, and then we credit your account. It’s that easy!

Positive Pay

Positive Pay helps in creating, transmitting and researching check records that you send to the bank, in doing this it serves as an anti-fraud measure. Reduce your risk of altered and counterfeit checks by checking them against records created through Positive Pay. You review the report and decide whether the check is to be paid or rejected.

Lock Box

Do customers mail you payments? A lot of payments? If you are tired of the envelope opener and manual entry of receivables to your books, consider letting us take care of it all for you. A post office box will be established and incoming payments will automatically be deposited into your business account. The invoices will then be returned to you through an established process. It’s that easy!

Smart Safe

Imagine a virtual Richwood Bank in your business receiving all your cash transactions safely and securely… and talking to us daily so the funds are available in your account. We make arrangements to pick it up with you, too. 

Online ACH

Pay all vendors same day or next day with a couple clicks, and collect payments. International ACH also available to specific countries. 

Wire Manager

Wire manager is a product for customers that are sending wires 2-3 times a month. Wire manager allows customers to build templates in online banking so that they may pay the same recipients over and over.

Commitment to Community Business

Ready To Thrive?

We're dedicated to providing you the services and tools to thrive. When you utilize our commercial products and invest in our service lines, you have the opportunity to reap the rewards. Plus, our business checking accounts make it possible for you to earn interest!

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Credit Cards

Increase Your Purchasing Power

Our Visa® credit cards give you hometown convenience, worldwide acceptance, great benefits and much more.


The More You Grow, The More You Earn

Whether you’re a new startup or a larger commercial business, you can earn interest on your balance.