Rate may change after the account is opened. %PDF-1.5 % Delivery of alerts may be delayed for various reasons, including service outages affecting your phone, wireless or internet provider, technology failures and system capacity limitations. A monthly fee of $5 will be assessed for accounts receiving a paper statement. x\YoF~7}i $[zJEckQ*~oA3dUW:>|F~{|f_5_=/6->j\.:}":zK,Z? Mobile data fees may apply. Terms, qualifications and other restrictions apply. Money transfers can only be made between RCB Bank accounts. Bounce Protection is a discretionary overdraft service, requiring no action on your part that provides access to an automatically assigned overdraft limit covering your transactions that reach beyond the amount in your account. Bounce Protection is a discretionary overdraft service, requiring no action on your part that provides access to an automatically assigned overdraft limit covering your transactions that reach beyond the amount in your account. ___ I do not want RCB Bank to authorize and pay overdrafts on my ATM or everyday debit card transactions. A monthly fee of $5 will be assessed for accounts receiving a paper statement. Not maintaining e-Statements will result in forfeiture of rewards benefits. An IRS determination letter is required to prove non-profit 501(c)(3) tax-exempt status. An additional fee will be charged when the average collected balance is negative. With approved credit. Minimum reward requirements listed must be met and post to the account in each rewards cycle, which begins on the first business day of the month and ends on the last business day of the month. If you prefer item images on your paper statement, we will provide those for an additional fee. None of the listed companies are associated with, sponsor, or endorse this product. Minimum balance of $2500 is required to earn interest at 0.10% (0.10% APY) on balances up to $49,999.99. Kids Checking accounts are for individuals under the age of 18, and a parent or guardian is required to be joint owner or custodian on the account. Other restrictions may apply. Other restrictions apply. Member FDIC, A fee will be charged when the average collected balance is negative. Deposit restrictions apply. See your Treasury Services Rep for details and pricing. See your Treasury Services Rep for details and pricing. A monthly fee of $2 will be assessed for accounts receiving a paper statement. For determining the availability of your deposit, every day is a business day, except Saturdays, Sundays and Federal holidays. A quarterly fee of $2 will be assessed for accounts receiving a quarterly paper statement. Member FDIC, Terms and conditions apply. Funds may not be available for immediate withdrawal. The monthly statement on this account does not include images. Member FDIC, Balance and transaction limits apply to avoid additional fees. See your Treasury Services Rep for details and pricing. Member FDIC, A fee will be charged when the average collected balance is negative. Minimum balance of $100 is required to earn interest at 0.05% (0.05% APY) on balances less than $15,000 and who choose to receive paper statements. APY accurate as of 08/01/2021 and subject to change at the banks discretion. An overdraft occurs when you do not have enough money in your account to cover a transaction and it is paid anyway. Please ask us for current rates. For these reasons and more, RBC Royal Bank offers you the peace-of-mind of overdraft protection. Minimum balance of $50,000 is required to earn interest at 0.10% (0.10% APY) on balances up to $99,999.99. Also, at your request for Enhanced Bounce Protection, we may authorize and pay ATM transfers or withdrawals and everyday debit card purchases using your limit. A quarterly fee of $2 will be assessed for accounts receiving a quarterly paper statement. Subject to eligibility. An overdraft occurs when you do not have enough money in your account to cover a transaction and it is paid anyway. Overdraft and NSF fees cost Americans an estimated $15.5 billion in 2019. hbbd``b`Z$^ He "8@D` @+ Funds may not be available for immediate withdrawal. (Fee shown as Transfer Fee) $5 per automated transfer from Savings to Checking Account The Transfer Fee will not be charged if there are not enough funds in the savings account to cover the entire overdraft amount. Ask for details. Refer to RCB's Savings Overdraft Transfer Authorization and Agreement and your RCB Deposit Account Agreement for further information. Under overdraft protection, you will not be charged overdraft fees if your account is overdrawn by $5 or less. See your Treasury Services Rep for details and pricing. With approved credit on RCB Bank Mortgage secondary market loans locked between October 1, 2022 and December 31, 2022. Please ask us for current rates. Other restrictions apply. Fees could reduce earnings on the account. See reviews, photos, directions, phone numbers and more for Rcb Bank locations in Phoenix, AZ. 2 0 obj None of the listed companies are associated with, sponsor, or endorse this product. Item images are available at no additional cost via eStatement. 1 0 obj If an account is overdrawn, a deposit is required to be made at least once each month, in an amount that will cover the monthly overdraft interest. Discover Bank, upon the determination that there is an insufficient balance in the Protected Account to pay items presented for payment to the Protected Account, will transfer the exact amount of the overdraft from the Funding Account to the Protected Account. Subject to eligibility. ). Your Bounce Protection limit may be available for checks and other transactions made using your checking account number or automatic bill payment and recurring debit card payments. A monthly fee of $2 will be assessed for accounts receiving a paper statement. Terms, qualifications and other restrictions apply. Terms and conditions apply. Member FDIC, Annual Percentage Yield (APY) accurate as of 08/01/2021 and subject to change at the bank's discretion. Deposit limits may change at any time. Balance limits apply to avoid additional fees. Member FDIC, Annual Percentage Yield (APY) accurate as of 09/02/2020 and subject to change at the bank's discretion. Please consult with your accountant or auditor to determine how CDs should be reported. Subject to credit approval, overdraft protection provides between $500 and $5,000 of protection for most bank accounts, and up to $10,000 of protection for those who have an RBC VIP Banking account. Overdraft Policy. This offer is not valid with any other RCB Bank Mortgage incentives, promotions or discounts. A monthly fee of $2 will be assessed for accounts receiving a paper statement. CDARS and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC. Member FDIC, The Earnings Credit will only reduce account charges and is calculated by applying an external index rate (maximum of 5%) to the average collected balance after subtracting reserve requirements for the month. $50. Regions will not charge you an overdraft fee if your account balance is negative by less than $5. Balance and transaction limits apply to avoid additional fees. Protected: Overdraft Protection Sweep We've got you covered. Subject to eligibility and further review. To get started: You can also add, increase, decrease, or remove overdraft protection at a branch or by giving us a call at 1-800-769-2511 1-800-769-2511, View Legal DisclaimersHide Legal Disclaimers, Legal | Accessibility | Privacy & Security | Interest Based Advertising. Nothing is worse than hearing, your card has been declined. Prevent such an occurrence with Bounce Protection. Debit card transactions include merchant or point-of-sale transactions, and exclude refunds or ATM transactions. Annual Percentage Yield (APY) accurate as of 08/1/2021 and may change at the banks discretion. Fees may reduce earnings. Subject to eligibility. At RBC Wealth Management, our commitment to helping clients reach their financial goals is at the heart of everything we do. Other loan terms and restrictions apply. Message, data rates, fees and deposit restrictions may apply. Item images are available at no additional cost via eStatement. Some restrictions apply. Minimum Reward Requirements: Maintain eStatement enrollment (optional for higher rate), make at least six (6) debit card transactions and one (1) ACH credit or debit transaction per rewards cycle. Repaying it is easy too. A monthly fee of $5 will be assessed for accounts receiving a paper statement. Subject to eligibility and further review. Overdraft interest charge applies if used. Contribution limits are revised each year according to the IRS. Amounts disclosed are based on 2020 limits. Please ask us for current rates. Please ask us for current rates. Subject to Funds Availability Policy. This offer is subject to change or terminate without notice. Our normal fees and charges including, without limitation, our non-sufficient funds (NSF RTN ITEM FEE)/overdraft fees (OVERDRAFT ITEM FEE) (currently $ 30.00 per non- sufficient funds item) as set forth in our fee schedule will be included in these limits and will be charged for each transaction presented for payment against non-sufficient funds. APY accurate as of 08/01/2021 and subject to change at the banks discretion. Some restrictions apply. Deposit limits may change at any time. Some restrictions apply. Minimum balance of $2500 is required to earn interest at 0.10% (0.10% APY) on balances up to $49,999.99. Touch Bar is a trademark of Apple Inc. Deposit limits and other restrictions apply. If you make a deposit before the close of business on a business day that we are open, we will consider that day to be the day of your deposit. Transactions include ACH debits, checks written, deposits, items deposited and withdrawals (excluding ACH credits, ATM & Debit Card). Deposit limits and other restrictions apply. You can view how much overdraft protection you currently have through RBC Online banking. Most recently, he worked at RCB Bank in Wichita as a Credit Analyst/Loan Review Analyst. By law, the overdrafting of groundwater in the Phoenix, Arizona, area must cease by the year 2025. <> 4. Repaying it is easy too. $5.00 per month plus applicable Overdraft Interest. When you use a terminal not owned by us, the ATM owner/operator may charge additional fees. Minimum balance of $100 is required to earn interest at 0.05% (0.05% APY) on balances less than $15,000 and who choose to receive paper statements. For this aim, RCB Bank Ltd has been consequently . OHFA Bond and 5/5 ARM products are not eligible for promotional credit. Consult with your account manager or one of our customer service representatives regarding rates. endobj Deposit restrictions apply. Transactions include ACH debits, checks written, deposits, items deposited and withdrawals (excluding ACH credits, ATM & Debit Card). Please ask us for current rates. :S"I;fGQwJlU\URcO~9~U)rq2mb&T'v48;ZNWa0[iErp(%?G8[T. Subject to eligibility and further review. For further questions or information, please contact your Quicken or QuickBooks representative. Standard carrier fees may apply. Simply sign in to RBC Online Banking2 and apply or increase Overdraft in your Account Details. Minimum reward requirements listed must be met and post to the account in each rewards cycle, which begins on the first business day of the month and ends on the last business day of the month. Transaction limits apply to avoid additional fees. Member FDIC. Some restrictions apply. We typically make funds from your check deposits available to you on the business day we receive your deposit. Rate may change after the account is opened. If the negative balance in your account is $5.01 or more, the overdraft protection . Some restrictions apply. A monthly fee of $2 will be assessed for accounts receiving a paper statement. At the same time, some midsize banks, especially larger midsize banks (50m to 200m), continued to report the same differences in overdraft/NSF revenues in early 2022 compared to pre-pandemic levels as in 2021. With approved credit on RCB Bank Mortgage secondary market loans locked between October 1, 2022 and December 31, 2022. A monthly fee of $2 will be assessed for accounts receiving a paper statement. If you prefer item images on your paper statement, we will provide those for an additional fee. See your Fee Schedule for associated rush delivery fee(s). Account balance inquiry may not reflect unprocessed debit card transactions, checks and deposits. Find 1 listings related to Rcb Bank in Phoenix on YP.com. This fee is determined based on the Federal Funds rate plus 4%. Member FDIC, Requires an RCB Bank debit card. Overdraft fees are the fees that banks charge consumers who make a transaction that costs more than the available funds in their account. % Review the First Time Login Instructions for login assistance. Minimum balance of $50,000 is required to earn interest at 0.10% (0.10% APY) on balances up to $99,999.99. For more information, see the developer's privacy policy. Rate may change after the account is opened. Funds may be submitted for placement only after a depositor enters into the CDARS Deposit Placement Agreement with RCB Bank. Data Linked to You The following data may be collected and linked to your identity: Location Identifiers Diagnostics Data Not Linked to You Some restrictions apply. Not redeemable for cash or down payment funds. See Details The developer, Rabun County Bank, indicated that the app's privacy practices may include handling of data as described below. Rate may change after the account is opened. Minimum balance of $100 is required to earn interest at 0.05% (0.05% Annual Percentage Yield/APY) for Regular Savings accounts. Delivery of alerts may be delayed for various reasons, including service outages affecting your phone, wireless or internet provider, technology failures and system capacity limitations. Apply or Increase Overdraft for this Account. endobj A quarterly fee of $5 will be assessed for accounts receiving a quarterly paper statement. Minimum Reward Requirements: Maintain eStatement enrollment, make at least 10 debit card transactions and one ACH credit or debit transaction per rewards cycle. The monthly statement on this account does not include images. Terms, qualifications, fees and other restrictions apply. A monthly fee of $2 will be assessed for accounts receiving a paper statement. With approved credit. Transactions include ACH debits, checks written, deposits, items deposited and withdrawals (excluding ACH credits, ATM & Debit Card). Balance and transaction limits apply to avoid additional fees. Peoples Bank ("we, us or our") offers standard overdraft coverage service which is a discretionary service we provide to our checking account holders who maintain their accounts in good standing. A monthly fee of $5 will be assessed for accounts receiving a paper statement. Balances of $15,000 or more, or the entire balance if reward requirements are not met, will earn interest at 0.01% (0.01% APY). Fees may reduce earnings. Rate may change after the account is opened. Sign in and select the account you want overdraft protection applied to. 121 0 obj <>/Filter/FlateDecode/ID[<2326DDBA5EFD0D4382457533B2168E5E><782952FC711684418C7562BF134658A7>]/Index[100 44]/Info 99 0 R/Length 92/Prev 32015/Root 101 0 R/Size 144/Type/XRef/W[1 2 1]>>stream ITM deposits made before 7 p.m. on business days the Bank is open will be deposited that day. . A monthly fee of $5 will be assessed for accounts receiving a paper statement. Account balance inquiry may not reflect unprocessed debit card transactions, checks and deposits. Subject to eligibility. BOX 189, Claremore, OK 74018. Balances of $15,000 or more, or the entire balance if reward requirements are not met, will earn interest at 0.01% (0.01% APY). Always seek the advice of a professional tax consultant. A monthly fee of $5 will be assessed for accounts receiving a paper statement. The index is determined by the Investment Committee. As part of our team, you'll earn more than financial rewards. Message, data rates, and fees may apply. Must meet minimum loan and program underwriting requirements. This fee is determined based on the Federal Funds rate plus 4%. Transactions include ACH debits, checks written, deposits, items deposited and withdrawals (excluding ACH credits, ATM & Debit Card). Offer available for most purchases and refinances. You can opt in to enhanced bounce protection allowing RCB Bank to authorize and pay overdrafts on your ATM and everyday debit card transactions: You can also download this form and submit it the following ways: Bounce Protection is not available to Corporations, Limited Liability Companies or Associations. Money transfers can only be made between RCB Bank accounts. Message and data rates from carriers may apply. Click here for more details! Subject to Funds Availability Policy. Being a prominent Cypriot banker, in 2008 he was elected . 4 0 obj The index is determined by the Investment Committee. Standard carrier fees for data and text messaging may apply. With 40% of water supply coming from groundwater, achievement of safe yield will mean dramatic changes to groundwater . Ask us for details. A monthly fee of $2 will be assessed for accounts receiving a paper statement. Chief Executive Officer. Other restrictions apply. Minimum Reward Requirements: Maintain eStatement enrollment, make at least 10 debit card transactions and one ACH credit or debit transaction per rewards cycle. 0 Member FDIC, Minimum Reward Requirements: Ten (10) debit card transactions per rewards cycle and maintain e-Statement enrollment. Balance and transaction limits apply to avoid additional fees. Even in these states, the public fund manager must check applicable restrictions to ensure that deposits are eligible for placement using CDARS. Screen images are simulated; actual appearance may vary. See your Fee Schedule for any insufficient (NSF) Return Item, Overdraft Paid Item, Bounce Paid Item or other fee(s) that may be assessed. If you prefer images on your paper statement, will provide those for an additional fee. You may be eligible for a potential awardfrom theRBC Bank Overdraft Fees Class Action Lawsuit! See your Treasury Services Rep for details and pricing. Account balance inquiry may not reflect unprocessed debit card transactions, checks and deposits. You'll receive career-advancing training, flexible benefits and a wealth of opportunitiesin an environment that values diversity, inclusion and community . Please refer to the Deposit Placement Agreement for important account information, limitations, and conditions regarding the placement of funds by us, including funds availability and FDIC insurance coverage. Standard carrier fees for data and text messaging may apply. Quicken and the QuickBooks logo are registered trademarks of Intuit, Inc., used under license. A monthly fee of $5 will be assessed for accounts receiving a paper statement. It is the policy of 1st Source Bank (hereafter known as "Bank") to comply with all applicable laws and regulations and to conduct business in accordance with applicable safety and soundness standards. Money transfers can only be made between RCB Bank accounts. With approved credit. %%EOF Subject to eligibility. Internet service provider fees may apply. Klosterman has a Bachelor of Science in Finance with an emphasis in financial services and a minor in economics. Fees could reduce earnings. Minimum reward requirements listed must be met and post to the account in each rewards cycle, which begins on the first business day of the month and ends on the last business day of the month. Some restrictions apply. Balance limits apply to avoid additional fees. Some restrictions apply. Member FDIC, The Earnings Credit will only reduce account charges and is calculated by applying an external index rate (maximum of 5%) to the average collected balance after subtracting reserve requirements for the month. Please note that you will receive a confirmation that your deposit was made, however you may not see it reflected in your account balance immediately. A monthly fee of $2 will be assessed for accounts receiving a paper statement. Message, data rates, fees and deposit restrictions may apply. With approved credit on RCB Bank Mortgage secondary market loans locked between October 1, 2022 and December 31, 2022. Consult with your account manager or one of our customer service representatives regarding rates. Minimum balance of $100 is required to earn interest at 0.51% (0.51% APY) on balances less than $15,000. stream Funds may not be available for immediate withdrawal. Provision or acceptance of Bank of Canada notes and coins. Some restrictions apply. Funds may not be available for immediate withdrawal. Member FDIC, Rates are accurate as of April 8, 2021 and may change after the account is open. Not redeemable for cash or down payment funds. Rate may change after the account is opened. Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, iTunes, Mac, MacBook Pro, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. Some restrictions apply. Member FDIC, Rates are accurate as of April 8, 2021 and may change after the account is open. CDARS and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC. Member FDIC. Deposits are subject to verification and may not be available for immediate withdrawal. Find out in 3 minutes or less. endstream endobj 101 0 obj <. Refer to RCB's Savings Overdraft Transfer Authorization and Agreement, and your RCB Deposit Account Agreement for further information. Offer available for most purchases and refinances. Funds may not be available for immediate withdrawal. Please consult with your accountant or auditor to determine how CDs should be reported. PLEASE MAKE A SELECTION AND ONLY SELECT ONE OPTION. Member FDIC, Balance and transaction limits apply to avoid additional fees. A monthly fee of $5 will be assessed for accounts receiving a paper statement. Before joining RCB Bank Ltd in 2005, Dr Kirill Zimarin held various senior and top management positions at Probusinessbank, OJSC Vneshtorgbank and VTB24. Some transactions may be limited during nightly processing. Touch Bar is a trademark of Apple Inc. Funds may not be available for immediate withdrawal. RCB Bank, Attention: Exception Item Processing, PO Box 189, Claremore, Oklahoma 74018-0189. Some restrictions apply. Upon request, we will refund other banks' fees up to 4 ATM transactions per cycle for RBC Bank Premium Checking and Preferred Checking account holders, and 2 per cycle for RBC Bank Direct Checking and Royal Embassy . Rate may change after the account is opened. Samsung, Samsung Pay, Galaxy S (and other device names) and Samsung Knox are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Other company and product names mentioned may be trademarks of their respective owners. Contribution limits are revised each year according to the IRS. Standard carrier fees may apply. Kids Checking accounts are for individuals under the age of 18, and a parent or guardian is required to be joint owner or custodian on the account. Member FDIC, Some restrictions apply. Some restrictions apply. Funds may not be available immediately. Deposit restrictions and other qualifications apply. We charge a $34 Insufficient Funds Fee per transaction during our nightly processing beginning with the first transaction that overdraws your account balance by more than $50 (maximum of 3 fees per business day, for a total of $102). Free. Ask us for details. Overdraft protection 5, 46. Member FDIC. For further questions or information, please contact your Quicken or QuickBooks representative. #LifeMatters: Bryan Baeumler on Choosing a Path Less Travelled, Trip Cancellation and Interruption Insurance, Buying Your First Home in Canada Checklist, Buying Your First Car in Canada Checklist, Three Research-Backed Tips for Dealing With Uncertainty in Business, #LifeMatters: Kyle Davidson on Leaving No Soldier Behind, Disclosures & Agreements related to Personal Deposit Accounts, Canada Deposit Insurance Corporation Member Info, Enjoy the security of knowing you wont be declined at store checkout, Stop cheques from bouncing and being returned to you. Quicken and the QuickBooks logo are registered trademarks of Intuit, Inc., used under license. Subject to Funds Availability Policy. Deposits are subject to verification and may not be available for immediate withdrawal. High Deductible Health Plan (HDHP) and contribution limits are revised each year for cost-of-living increases. A quarterly fee of $5 will be assessed for accounts receiving a quarterly paper statement. Balances of $100,000 and above are required to earn interest at 0.10% (0.10% APY). See your Treasury Services Rep for details and pricing. This fee is determined based on the Federal Funds rate plus 4%. Subject to eligibility. Standard Overdraft Practice comes with all Chase checking accounts except Chase First Checking . Dr Kirill Zimarin is currently a member of RCB Bank Ltd Board of Directors and the Chief Executive Officer. Fees could reduce earnings. Bounce Protection for those "oopsie" moments. Member FDIC, Terms and conditions apply. If you prefer images on your paper statement, will provide those for an additional fee. Internet service provider fees may apply. A monthly fee of $5 will be assessed for accounts receiving a paper statement. Minimum reward requirements listed must be met and post to the account in each rewards cycle, which begins on the first business day of the month and ends on the last business day of the month. Annual Percentage Yield (APY) accurate as of 07/17/2020 and subject to change at the banks discretion. endstream endobj startxref Small banks have recovered a significant part of their pre-pandemic overdraft/NSF revenues in the first quarter of 2022. Deposits made after 7 p.m. or on days the Bank is closed will be deposited next business day. Member FDIC, Annual Percentage Yield (APY) accurate as of 08/01/2021 and subject to change at the bank's discretion. Annual Percentage Yield (APY) accurate as of 08/1/2021 and may change at the banks discretion. Item images are available at no additional cost via eStatement. Subject to eligibility. Overdraft Protection Sweep - RCB Bank New Online and Mobile Banking system is live! Member FDIC. What it costs. Member FDIC, Annual Percentage Yield (APY) accurate as of 09/02/2020 and subject to change at the bank's discretion. Item images are available at no additional cost via eStatement. Must meet . Policies. Transactions include ACH debits, checks written, deposits, items deposited and withdrawals (excluding ACH credits, ATM & Debit Card). ITM deposits made before 7 p.m. on business days the Bank is open will be deposited that day. Item images are available at no additional cost via eStatement. See your Fee Schedule for any insufficient (NSF) Return Item, Overdraft Paid Item, Bounce Paid Item or other fee(s) that may be assessed. Personalized typed letter: $15.00. When you use a terminal not owned by us, the ATM owner/operator may charge additional fees. Klosterman brings more than 10 years of experience as a credit analyst, and more than 20 years of banking experience total. Member FDIC, How to Finance a Home Renovation or Construction, PosPay: A Proactive Approach to Business Check Fraud. If you make a deposit before the close of business on a business day that we are open, we will consider that day to be the day of your deposit. Member FDIC . Mini: Free. Three Simple Ways to Keep your Money Safe from Fraud and Scams, Mortgage 101: See How Much Home You Could Afford, Get Pre-Qualified for an RBC Automotive Loan Today. Certificate of account balance/loan interest paid. $2,500 minimum balance to open account. Some restrictions apply. Debit card transactions include merchant or point-of-sale transactions, and exclude refunds or ATM transactions. However, if you make a deposit after the close of business or on a day we are not open, we will consider the deposit was made on the next business day we are open. We typically make funds from your check deposits available to you on the business day we receive your deposit. Samsung Pay is available on select Samsung devices. Royal Bank of Canada FREE - On Google Play, 1 Products and services may be offered by Royal Bank of Canada or by a separate corporate entity affiliated with Royal Bank of Canada, including but not limited to Royal Mutual Funds Inc., RBC Direct Investing Inc. (MemberCanadian Investor Protection Fund), RBC InvestEase Inc., RBC Global Asset Management Inc., Royal Trust Company or The Royal Trust Corporation of Canada, Find the Right Contractor for Your Home Renovations. Please note that you will receive a confirmation that your deposit was made, however you may not see it reflected in your account balance immediately. Funds may not be available immediately. Software is not provided by the Bank and some versions of Quicken or QuickBooks may not include direct connect. Kids Savings accounts are for individuals under the age of 18, and a parent or guardian is required to be joint owner or custodian on the account. Safe yield can be achieved by means of conservation, water supply augmentation, and condemnation of groundwater pumping rights. Must meet minimum loan and program underwriting requirements. Minimum reward requirements listed must be met and post to the account in each rewards cycle, which begins on the first business day of the month and ends on the last business day of the month. Box 189, Claremore, Oklahoma 74018-0189. RCB Bank does not deliver and is not responsible for the products, services or performance of Intuit, Inc. Internet access may be required. Get the New AirPods Pro at No cost when you open an eligible bank account. Message, data rates, and fees may apply. You can apply for or increase overdraft protection using RBC Online Banking. This content is password protected. Deposits made after 7 p.m. or on days the Bank is closed will be deposited next business day. While RBC Bank will not charge you for any ATM transactions, we can't control the fees that banks who own the ATMs may charge. Transactions include ACH debits, checks written, deposits, items deposited and withdrawals (excluding ACH credits, ATM & Debit Card). Balances of $15,000 or more, or the entire balance if reward requirements are not met, will earn interest at 0.05% (0.05% APY). ___ I want RCB Bank to authorize and pay overdrafts on my ATM and everyday debit card . Rate may change after the account is opened. RBC Online Banking is operated by Royal Bank of Canada. Fees could reduce earnings on the account. Item images are available at no additional cost via eStatement. Investment restrictions imposed by statutes, regulations or policies may limit the authority of public fund managers to invest through CDARS. When you use a terminal not owned by us, the ATM owner/operator may charge additional fees. When you use a terminal not owned by us, the ATM owner/operator may charge additional fees. Message and data rates from carriers may apply. Minimum reward requirements listed must be met and post to the account in each rewards cycle, which begins on the first business day of the month and ends on the last business day of the month. Balances of $15,000 or more, or the entire balance if reward requirements are not met, will earn interest at 0.05% (0.05% APY). Item images are available at no additional cost via eStatement. Deposit restrictions and other qualifications apply. Funds may be submitted for placement only after a depositor enters into the CDARS Deposit Placement Agreement with RCB Bank. The Standard FDIC insurance maximum is $250,000 per insured capacity, per bank. Item images are available at no additional cost via eStatement. Other loan terms and restrictions apply. Other restrictions may apply. Balances of $100,000 and above are required to earn interest at 0.10% (0.10% APY). Minimum balance of $100 is required to earn interest at 0.05% (0.05% APY). 100 0 obj <> endobj RCB Bank, Attention: Customer Support Services, P.O. Terms and conditions apply. Full: $1.50 each. Must keep at least $200 in account each day to avoid a $4 monthly service charge. When you use a terminal not owned by us, the ATM owner/operator may charge additional fees. 3 0 obj Minimum Reward Requirements: Maintain eStatement enrollment (optional for higher rate), make at least six (6) debit card transactions and one (1) ACH credit or debit transaction per rewards cycle. Member FDIC, Requires an RCB Bank debit card. Screen images are simulated; actual appearance may vary. Fees may reduce earnings. Fees could reduce earnings on the account. Subject to eligibility and further review. Mobile data fees may apply. Depending on your overdraft election, Regions will then charge your checking account a Paid Overdraft Item Fee or a Returned Item Fee of $36 per item. Member FDIC. While millions of Americans are familiar with overdraft fees, nearly all banks also charge non-sufficient fund fees (NSF) for rejected transactions. b. See your Fee Schedule for any insufficient (NSF) Return Item, Overdraft Paid Item, Bounce Paid Item or other fee(s) that may be assessed. Member FDIC, How to Finance a Home Renovation or Construction, PosPay: A Proactive Approach to Business Check Fraud, By completing the Enhanced Bounce Protection Election Form below, Mail it to RCB Bank, Attention: Customer Support Services, P.O. Standard carrier fees for data and texts may apply. Seek the advice of a professional tax consultant. High Deductible Health Plan (HDHP) and contribution limits are revised each year for cost-of-living increases. A monthly fee of $5 will be assessed for accounts receiving a paper statement. The settlement will benefit those with an RBC account who were charged overdraft fees between Oct. 10, 2007 and March 1, 2012 as a result of the posting of transactions by RBC from the highest to lowest amounts, rather than by time. Kids Savings accounts are for individuals under the age of 18, and a parent or guardian is required to be joint owner or custodian on the account. With approved credit. Not maintaining e-Statements will result in forfeiture of rewards benefits. Just click on your account and view Authorized Overdraft at the top of your account details page. Ask for details. Under our standard overdraft practices: We will charge you a fee of up to $28.00 each time we pay an overdraft. Overdraft fees tend to be in the range of $30-$35 per. Rate may change after the account is opened. (Fee shown as Transfer Fee) $5 per automated transfer from Savings to Checking Account The Transfer Fee will not be charged if there are not enough funds in the savings account to cover the entire overdraft amount. Subject to eligibility and further review. $2,500 minimum balance to open account. OHFA Bond and 5/5 ARM products are not eligible for promotional credit. <>>> Please refer to the Deposit Placement Agreement for important account information, limitations, and conditions regarding the placement of funds by us, including funds availability and FDIC insurance coverage. <> As soon as you make a deposit1 to your account, it will automatically be applied against your overdrawn balance. Under standard overdraft coverage, U.S. Bank charges a $36 overdraft fee per transaction with a maximum of 4 charges per day - up to $144. Debit card transactions include merchant or point-of-sale transactions, and exclude refunds or ATM transactions. This content is password protected. Terms, qualifications, fees and other restrictions apply. Fees could reduce earnings on the account. Transaction limits apply to avoid additional fees. See your Treasury Services Rep for details and pricing. Samsung Pay is available on select Samsung devices. Minimum balance of $100 is required to earn interest at 0.05% (0.05% Annual Percentage Yield/APY) for Regular Savings accounts. Money transfers can only be made between RCB Bank accounts. Debit card transactions include merchant or point-of-sale transactions, and exclude refunds or ATM transactions. Deposit limits may change at any time. Funds may not be available immediately. Mobile data fees may apply. For determining the availability of your deposit, every day is a business day, except Saturdays, Sundays and Federal holidays. Lender credit must be used toward borrower closing costs. Always seek the advice of a professional tax consultant. See your Treasury Services Rep for details and pricing. Your account is in good standing if you demonstrate responsible account management such as 1) making regular deposits to bring your account to a positive end-of-day balance, 2) there are no legal . Your overdraft protection comes into effect automatically - up to your limit, whenever your account is overdrawn. Even in these states, the public fund manager must check applicable restrictions to ensure that deposits are eligible for placement using CDARS. 143 0 obj <>stream However, if you make a deposit after the close of business or on a day we are not open, we will consider the deposit was made on the next business day we are open. You may have multiple overdraft fees . This fee is determined based on the Federal Funds rate plus 4%. Minimum balance of $100 is required to earn interest at 1.08% (1.09% APY) on balances less than $15,000 and who choose to receive eStatements. Or an authorized payment is due before you have the funds to cover it. )The $36 fee is above average for bank overdraft fees. hb``f`` Y8!G9s g#W / 7#f Li >k3TVj=( Debit card transactions include merchant or point-of-sale transactions, and exclude refunds or ATM transactions. Public fund managers in the following states, among others, may be eligible to invest through CDARS: AK, CO, CT, GA, HI, IL, KS, KY, ME, MN, MO, NE, NH, NV, OK, PA, SC, TN, and VT. Funds may not be available immediately. A quarterly fee of $2 will be assessed for accounts receiving a quarterly paper statement. Some restrictions apply. Annual Percentage Yield (APY) accurate as of 07/17/2020 and subject to change at the banks discretion. The Agreement for Deposit Accounts controls the duties, obligations and rights of the Depositor, the Authorized Signatories and . Seek the advice of a professional tax consultant. To learn more about how to enroll in ClickSWITCH, call 855.226.5722 or visit your local branch. To learn more about how to enroll in ClickSWITCH, call 855.226.5722 or visit your local branch. Policies. Public fund managers in the following states, among others, may be eligible to invest through CDARS: AK, CO, CT, GA, HI, IL, KS, KY, ME, MN, MO, NE, NH, NV, OK, PA, SC, TN, and VT. RBC Royal Bank form #1660: $5.00. }c($gQ$/>Ikw(-'g>%"aeT2w86q>b2:m>Aexol/]rK @gvZ8!:OB qM67ajNSNrvzv^\_|dXp~s"+a! Please ask us for current rates. What fees will I be charged if RCB Bank pays my overdraft? River City Bank offers these overdraft protection services to help avoid a declined transaction and provide the coverage you need. Must keep at least $200 in account each day to avoid a $4 monthly service charge. Debit card transactions include merchant or point-of-sale transactions, and exclude refunds or ATM transactions. Amounts disclosed are based on 2020 limits. Item images are available at no additional cost via eStatement. Member FDIC. Software is not provided by the Bank and some versions of Quicken or QuickBooks may not include direct connect. Mobile data fees may apply. Some restrictions apply. See your Fee Schedule for associated rush delivery fee(s). RCB Bank does not deliver and is not responsible for the products, services or performance of Intuit, Inc. Internet access may be required. Balance and transaction limits apply to avoid additional fees. c. Lender credit must be used toward borrower closing costs. Subject to credit approval. Investment restrictions imposed by statutes, regulations or policies may limit the authority of public fund managers to invest through CDARS. A monthly fee of $2 will be assessed for accounts receiving a paper statement. Overdraft protection is a way to be prepared for the unexpected such as when a cheque deposit takes a little longer than you anticipated to clear. Deposit limits may change at any time. Fees may reduce earnings. Item images are available at no additional cost via eStatement. This offer is not valid with any other RCB Bank Mortgage incentives, promotions or discounts. Minimum balance of $100 is required to earn interest at 0.51% (0.51% APY) on balances less than $15,000. Samsung, Samsung Pay, Galaxy S (and other device names) and Samsung Knox are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Other company and product names mentioned may be trademarks of their respective owners. Courtesy Overdraft Coverage 1 This standard service may allow a transaction to be approved, at the Bank's discretion, even if you don't have enough money in your account to cover the transaction amount. Subject to credit approval, overdraft protection provides between $500 and $5,000 of protection for most bank accounts, and up to $10,000 of protection for those who have an RBC VIP Banking account. Minimum balance of $100 is required to earn interest at 0.05% (0.05% APY). A quarterly fee of $2 will be assessed for accounts receiving a quarterly paper statement. Minimum balance of $100 is required to earn interest at 1.08% (1.09% APY) on balances less than $15,000 and who choose to receive eStatements. An IRS determination letter is required to prove non-profit 501(c)(3) tax-exempt status. Protect your accounts in the event of an overdraft. An additional fee will be charged when the average collected balance is negative. A monthly fee of $2 will be assessed for accounts receiving a paper statement. To view it please enter your password below: When you use a terminal not owned by us, the ATM owner/operator may charge additional fees. Member FDIC, Some restrictions apply. Subject to eligibility and further review. Some transactions may be limited during nightly processing. Rate may change after the account is opened. Subject to eligibility. Some restrictions apply. <>/ExtGState<>/XObject<>/ProcSet[/PDF/Text/ImageB/ImageC/ImageI] >>/MediaBox[ 0 0 612 792] /Contents 4 0 R/Group<>/Tabs/S/StructParents 0>> Which RBC investing service may be a good fit for you? This offer is subject to change or terminate without notice. %PDF-1.5 Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, iTunes, Mac, MacBook Pro, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. Account balance inquiry may not reflect unprocessed debit card transactions, checks and deposits. H0 $.]$Hk?7 JS Standard carrier fees for data and texts may apply. Protect your accounts in the event of an overdraft. endobj Recent weeks have seen an uptick in changes banks are making to their overdraft programs. Your overdraft protection comes into effect automatically up to your limit, whenever your account is overdrawn. Member FDIC, Minimum Reward Requirements: Ten (10) debit card transactions per rewards cycle and maintain e-Statement enrollment. The Standard FDIC insurance maximum is $250,000 per insured capacity, per bank. 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