RCB Bank

Reviews (4)

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.

Impersonal, Negative Experience,

Posted by: |

I have good credit, a good job, and over $60,000 in savings. I applied for a simple account, and just received a denial letter stating that the bank does not wish to pursue a relationship with me. Are you kidding me? They apparently rely on a credit reporting agency, Chex, and I guess if Chex doesn't give you a high enough "wealth" score, then RCB doesn't want you darkening their doorway. This was an extremely impersonal, and negative experience. I've never been turned down from opening a bank account in my life. Just as much as RCB wants nothing to do with me, I want nothing to do with them. Bank somewhere else.

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 Grade Components

FDIC Certificate #15399
Year Established1936
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.03%
Return on Equity - YTD10.44%
Annual Interest Income$105.8MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$4.13B$3.65B
LoansQ4 2021vs Q4 2020$2.14B$2.10B
DepositsQ4 2021vs Q4 2020$3.71B$3.23B
Equity CapitalQ4 2021vs Q4 2020$376.6MM$378.6MM
Loan Loss AllowanceQ4 2021vs Q4 2020$26.7MM$25.6MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$28.0MM$18.7MM
Real Estate OwnedQ4 2021vs Q4 2020$1.4MM$535.00K
Report an Issue

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

0.10%--Business Regular Savings
0.05%$100-Regular Savings
0.05%$100-Kids Savings

RCB Bank Money Market Rates

0.10%$2.5k-my Money Market
0.10%$2.5k-myBusiness Money Market

RCB Bank Checking Account Rates

0.51%*-$15kmy Interest Checking
OTHER TIERS: 0.01% $15k+
0.51%*-$15kmy Senior Checking w/ e-statements
OTHER TIERS: 0.01% $15k+
0.01%--my Senior Checking w/o e-statements
0.01%--Business Interest Checking

RCB Bank CD Rates

1.24%$1k-18 Month Variable CD
0.50%$1k-60 Month CD
0.45%$1k-36 Month CD
0.45%$1k-48 Month CD
0.35%$1k-25 Month Pop-Up CD
0.35%$1k-24 Month CD
0.25%$1k-18 Month CD
0.20%$1k-12 Month CD
0.15%$1k-182 Day CD
0.10%$1k-30 Day CD
0.10%$1k-91 Day CD

RCB Bank IRA Rates

1.24%$250-18 Month Variable IRA
0.50%$250-60 Month IRA
0.45%$250-36 Month IRA
0.45%$250-48 Month IRA
0.35%$250-25 Month Pop-Up IRA
0.35%$250-24 Month IRA
0.25%$250-18 Month IRA
0.20%$250-12 Month IRA


The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.