Things to Know - Personal Banking

For our new Springfield location customers – From online banking access to receiving your new debit card, we know you’ve got to have questions, and we’re here to help answer them. Here’s some of the most important things you need to know for a seamless transition into your new Richwood Bank account.

Checking and Savings Accounts

Your new checking and/or savings accounts will keep the same account number as you have now. Your account will be converted into a similar Richwood Bank product.

Debit Cards

You will receive your new Richwood Bank debit card(s) by mail in the next three weeks.

It’s very important that you activate your new debit card as soon as possible. Instructions for activation will be included with your card. You will then be able to use the card after 5:00 pm on Friday, March 15, 2019.

Please continue to use your current Home City debit card until 5:00 pm on Friday, March 15. The card will be deactivated after that time.

Your Richwood Bank debit card will have a different number than your current Home City card. the expiration date on the new card will be extended two years. If you have your card saved on filed on any websites or companies, such as Amazon or PayPal, you will be prompted to update your card information on any purchases after Friday, March 15.

Our team will be performing the conversion from Friday, March 15 at 5:00 pm through Sunday, March 17th at 11:59 pm. During this conversion weekend you will be able to make purchases with your new Richwood Bank debit card. You will be able to access your purchase history electronically on Monday, March 18th when the conversion is complete.

Credit Cards

You will receive your new credit card in April. Until you receive your new credit card, your current credit card will continue to process. Look for your new credit card in the mail and activate it right away.

Personal Checks

You will receive a new book of checks to replace your current Home City checks. The account number on your account has not changed, but your checks will have the Richwood Bank routing number.

We ask that you start using your new Richwood Bank checks on March 16, 2019. 

If you have any checks outstanding that are written on Home City checks before March 16th they will be processed as normal.

If you recently ordered checks before the transition to Richwood Bank, your check order should arrive within the next 7 business days.

Social Security Checks

To ensure your social security check in deposited on time, please call your social security office. When updating your routing number online, you may be given a deposit date of April 1st. We are finding that most checks are being paid out later this month in March, rather than April 1st.

Personal Online Banking

During the conversion weekend we will be fully converting your personal online banking portal into Richwood Bank. Your accounts, personal information, and bill payees will be included in that conversion. You will not need to re-enter the payees for your bill payments!

On Monday, March 18th, you can log on to and see your account information.

To log in, use your current Home City user name and your temporary password is the last four digits of your social security number. 

Once in, you will be prompted to set up a new password.

If you have any questions or would like assistance with accessing your account, please call the number listed above or come in to one of our offices. We will be happy to help you get started!

Bill Pay

You will be able to pay bills with Richwood Bank bill pay on March 18th, 2019. Any payees you have set up within your current bill pay system with Home City will be rolled over into your new Richwood Bank bill payment program.

Please note that if you have automatic or recurring payments set up, you must reschedule these payments. These will not be converted during the process.

Between March 8th through March 18th you may need to use an alternative method to pay your bills due to not having access to Bill Pay through Home City during this time. However, if there are scheduled or recurring payments set for March 8th through the 15th they will be processed.

People Pay is now Pop Money

Pop Money will replace Home City’s People Pay and will be ready to use on Monday, March 18th, 2019.

Pop Money allows you to pay another person either directly to their bank account or through text or email. You can also use it to request money from other by prompting them through text or email.

Any payees you currently have in People Pay will not be transferred to Pop Money. Before March 15th we recommend your write down any specific information you want to carry over and re-enter it into Pop Money on March 18th.

Mobile Banking

Richwood Bank’s mobile app allows you to make transfers, check your balances, pay your bills to companies or individuals, plus we have mobile check capture which you can use to deposit checks into your account with your smart phone camera.

We recommend once you have logged into your Richwood Bank online portal and set up your new password, you can go to the Apple or Google store to download the Richwood Bank App.

For personal accounts, download the app with the green background.

Secure Identity is Available for all Personal Account Owners

We are committed to preventing fraud for our customers. We have a team committed to helping your identity fraud fast and recover quickly if there ever is a compromise on your accounts or your cards.

To raise our commitment, we include Secure Identity for no charge for every primary personal account holder at Richwood Bank. Secure Identity monitors your entire digital footprint and alerts you anytime there is suspicious activity on the millions of websites monitored, including the dark web. It also ensures the resources needed to recover in case of theft.

There is an additional option if you’d like to sign up everyone in your household for Secure Identity protection. There is a minimal monthly fee for this additional protection. The primary account holder is covered with no fee!

Beginning on March 18th, 2019 you will be able to enroll as the primary personal account holder. Here’s how:

Go to the Identity Theft Monitoring page and click on the Enroll button. When you enroll, you’ll be prompted to enter a Richwood promo code that verifies you’re a customer of Richwood Bank.

The code you’ll need to enter is located within the Things to Know document you’ll receive from Richwood Bank, or you can call us to receive the code.


If you currently have a loan with Home City Federal, it will become a Richwood Bank loan. Your terms, rates, payment dates, and mailing address will remain the same.

Send payments to:
Richwood Bank
PO Box 1288
Springfield, OH 45501

If you would like to make your payment process more efficient, we can assist you in adding your loan into bill pay or as a deduction if you have not already set it up.

CDs (Certificate of Deposit)

If you currently have a CD with Home City Federal, the terms and rate you have will remain the same. If you have a CD that is coming due, contact us to determine the best option for roll over or to speak with our financial investment expert, Christina Horan at 740-268-4181.


You’ll receive two statements the month of March. Your final Home City partial statement will be sent shortly after March 15th. The second half of March will be a statement from Richwood Bank. Look for your new statement from Richwood Bank after April 1st.

Things to Know - About the Acquisition

We’re branching out to Springfield, Ohio! We’ve officially signed the acquisition agreement to acquire Home City Federal Savings Bank, which serves the Springfield, Ohio area with two locations. Home City will transition to the Richwood Bank brand through all facets. This transition will finalize on March 18, 2019. During this time, we’ll be working endlessly to ensure that our expansion creates lasting, tangible connections within the Springfield community.

Why Springfield?

We are thrilled to be joining the Springfield community. When this opportunity came to us, we determined it was a great fit – everything from aligning with our vision and values, to staying within the central Ohio footprint.

Thanks for supporting us “branching out” to more communities in Central Ohio!

Why not Kenton, Marion or Bellefontaine...

We’re not going to rule out any future possibilities. We agree there’s many great people and businesses in those areas that could benefit from having us nearby also.

Right now, we want to focus on welcoming the Springfield team to ours and making the Richwood transition positive for our new community.

We’ll see what happens down the road. We agree those are great places to be. Who knows what the future holds!

When will the acquisition happen?

The acquisition was finalized on December 7, 2018. We have officially begun welcoming the Springfield team to the Richwood family. Home City will formally convert to Richwood on March 18, 2019.

Can I go to one of the Home City branches now and make a deposit?

Although the acquisition has been complete, Home City will not formally convert to Richwood until March 18, 2019. At that date, Richwood Bank customers will be able to conduct business in our Springfield branches.

Are you going to brand Home City as Richwood, renovate, or add a coffee shop?

We’ll transition Home City to the Richwood brand through all facets. This transition will finalize on March 18, 2019.

We’re looking at renovating the branches come summer 2019 and coffee shop additions are coming soon!

Speaking of our coffee shops, if you’re a nonprofit that would be interested in being considered as a beneficiary in our coffee shops, please fill out this form here. We are strongly rooted in our values, dedicated to our communities, and put people first – we want to give every opportunity to the Springfield community.

What about my stock?

Our independent analysts agree this is a sound, fair, and long-term positive investment in the future of Richwood Bank.

Every decision made to reinvest our growing profit back into our people, infrastructure and new business development is done in a fiscally responsible, calculated way that results in positive return for you.

For the past 20 years, the average annual return on your investment of stock has been 9.98%.  Last year, we invested in a new Marysville branch, fully renovated the Delaware lobby and added coffee shops to both while yielding a return on stock investment just over an amazing 12%!

Can I buy stock?

We are currently creating a list of interested individuals who would like to become stockholders. We anticipate additional shares becoming available in 2019. Thank you for your interest in investing with Richwood Bank!