River Bank Personal Checking Page

Personal Checking

Annual Percentage Yields(APY) are accurate as of AUGUST 17, 2010

CHECKING ACCOUNTS

EASY CHECKING No minimum balance required No monthly service charge No interest earned 1st order of Rapid Checks free Check images available online only
50+ CHECKING For individuals 50 and older $100.00 minimum deposit to open Minimum daily balance of $100.00 required to avoid a $7.00 monthly service charge Interest compounded and credited monthly Minimum average available balance of $100.00 to earn interest Check images are returned with statement Free Rapid Checks Free safe deposit box for 1st year subject to availability Free traveler's checks money orders and cashier's checks No annual fee debit card Interest rate .40% APY .40%
NOW $500.00 minimum deposit to open Minimum daily balance of $500.00 required to avoid a $3.00 + $0.10/debit monthly service charge Interest compounded and credited monthly Minimum average available balance of $500.00 to earn interest Check images are returned with statement Interest rate .40% APY .40%
MONEY MARKET $1,500.00 minimum deposit to open Minimum daily balance of $1,500.00 required to avoid a $6.50 monthly service charge Interest is compounded and credited monthly Minimum average available balance of $1,500.00 to earn interest Check images are returned with statement
	Interest Rate	APY
$1,500.00 minimum average available balance to obtain APY	.75%	.75%
$25.000.01 minimum average available balance to obtain APY	1.00%	1.00%
$100,000.01 minimum average available balance to obtain APY	1.25%	1.26%
SAVINGS ACCOUNT $100.00 minimum deposit to open Minimum daily balance of $100.00 required to avoid $0.50 monthly service charge Interest is compounded and credited quarterly Minimum daily balance and opening deposit is waived for minors and individuals over 50 Interest rate .40% APY .40%
CHRISTMAS CLUB Non-interest bearing account Customer makes 49 weekly deposits and as a bonus River Bank makes the last deposit to the account Check is mailed to customer in November for balance in the account
HEALTH SAVINGS ACCOUNT $100.00 minimum deposit to open Minimum daily balance of $100.00 required to avoid a $0.50 monthly service charge Interest is compounded and credited monthly Minimum average daily balance of $500.00 to earn interest Check images are returned with statement
	Interest Rate	APY
$100.00 minimum deposit to open and $500.00 minimum average daily balance to obtain APY	.50%	.50%
$1500.01 minimum average daily balance to obtain APY	1.00%	1.00%
$5,000.01 minimum average daily balance to obtain APY	1.50%	1.51%

The bank may change the rates on these accounts at any time. The interest rate and annual percentage yield are accurate as of the date shown above. The annual percentage yield is based on the assumption that the minimum average available balance is maintained. Fees could reduce earnings on the account.

Limitations on all Money Market and Savings Accounts

Federal Reserve Regulation D limits the total number of transfers to no more than six (6) transfers and withdrawals from your account per month by means of a preauthorized or automatic transfer or telephone (including data transmission) agreement, order or instruction or by check, draft, debit card or similar order payable to third parties.

Funds Available Policy

Our general policy is to allow you to withdraw funds deposited in your account on the first business day after the day we receive your deposit. In some cases, we may delay your ability to withdraw funds beyond the first business day. Then, the funds will generally be available by the fifth business day after the day of deposit.