RCB Bank


Reviews (3)

Love This Bank

Posted by: |

RCB Bank has been my bank for several years now. This bank has some great pros and a few cons. One of the pros is that if you accidentally run your account into the red, you have until the beginning of the following business day to deposit the money to right it before being charged all the associated fees. I can't tell you how many times I've avoided paying $28 over a $0.10 mistake because of this. Another pro is their many local branches. I live in a small rural area. Most banks in this area have one or two branches in the county. This bank has two branches in my town, and several in the surrounding towns.

The cons for this bank is that it because the branches are small, sometimes the local branch can't meet your needs. For instance, at one time my husband and I applied for a mortgage through them. While they advertise for mortgages, they actually send the application elsewhere. Unlike my previous bank, the loan manager wasn't someone I knew. Also the interest rate on savings accounts isn't the best in town.

RCB Bank Review

Posted by: |

My experience with RCB Bank was pleasant, but I was satisfied enough to continue banking with them. The employees are very friendly, so it seems as though they provide good customer service, however, they do not tend to go above and beyond to assist with personal issues for everyday customers. I had previously has problems with my debit card and needed it to make important purchases as soon as possible, but to change my PIN number I had to wait for a letter in the mail that would be expected to arrive almost a week and a half later. With most of the other financial institutions I have banked with, I am able to resolve any issues with my card within the branch. It seems as though RCB Bank is technologically behind since it is such a small local bank.

Over Charging Customer On Stop Payments

Posted by: |

Stop payment charges on automatic withdrawals is outrages. RCB will put a 6mnth stop payment on for one charge. They request a $28.00 fee for every month. So, if you request someone/company to stop the automatic draft they refuse, RCB will charge for every month until they stop the draft.



Health
A+

Health Grade Components

Overall
FDIC Certificate #15399
Year Established1936
Employees773
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.27%
Return on Equity - YTD12.14%
Annual Interest Income$121.5MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$3.18B$2.83B
LoansQ4 2019vs Q4 2018$1.93B$1.77B
DepositsQ4 2019vs Q4 2018$2.78B$2.52B
Equity CapitalQ4 2019vs Q4 2018$351.7MM$251.6MM
Loan Loss AllowanceQ4 2019vs Q4 2018$22.1MM$21.5MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$6.2MM$17.0MM
Real Estate OwnedQ4 2019vs Q4 2018$936.00K$1.3MM
Rates
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Always verify rates and promotions with the bank or credit union. We are not RCB Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

RCB Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$100-Regular Savings
0.10%$100-Kids Savings
0.10%$100-Business Regular Savings

RCB Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$100k*-my Money Market
OTHER TIERS: 0.10% $2.5k - $100k
0.15%*$100k*-myBusiness Money Market
OTHER TIERS: 0.10% $2.5k - $100k

RCB Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.01%*-$15kmy Interest Checking
OTHER TIERS: 0.10% $15k+
1.25%*-$15kmy Senior Checking with e-statements
OTHER TIERS: 0.10% $15k+
0.25%*-$15kmy Senior Checking
OTHER TIERS: 0.10% $15k+
0.10%--Business Interest Checking

RCB Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%$1k-18 Month Variable CD
1.00%$1k-60 Month CD
0.90%$1k-48 Month CD
0.80%$1k-36 Month CD
0.70%$1k-25 Month Pop-Up CD
0.70%$1k-24 Month CD
0.60%$1k-18 Month CD
0.40%$1k-12 Month CD
0.25%$1k-182 Day CD
0.10%$1k-30 Day CD
0.10%$1k-91 Day CD

RCB Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%$250-18 Month Variable IRA
1.00%$250-60 Month IRA
0.90%$250-48 Month IRA
0.80%$250-36 Month IRA
0.70%$250-25 Month Pop-Up IRA
0.70%$250-24 Month IRA
0.60%$250-18 Month IRA
0.40%$250-12 Month IRA
Locations

Availability



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