Savings

Whether your needs are short-term in nature, or you are planning for the safety and security of your financial future, River City Bank takes personal savings to the next level by providing you with greater control, security, and satisfaction. Enjoy the confidence of knowing that your hard-earned investments are secure and that we provide the specific tools you need to attain your goals. Not only do we provide FDIC deposit insurance, but our own balance sheet—one of the strongest in the nation— earned a Five-Star “Superior” rating from the nation’s leading independent bank-rating firm, BauerFinancial. Thanks to our exceptional financial strength, you’ll enjoy a measure of assurance that only River City Bank can provide.

Product	Minimum Opening Deposit	Interest Earned	Monthly Activity	Monthly Maintenance Fee
Regular Savings	$100	Interest is compounded daily and paid to your account quarterly.	Unlimited deposits; withdrawals/transfers to another account or to third parties by preauthorized, automatic, telephone or computer transfer or by check, draft, debit card or similar order are limited to six per calendar month.	$3 ($9 per quarter) Fee is waived when you maintain a $500 account / $10,000 combined average daily balance.*
Money Market Account	$5,000	Compounded daily and paid to your account monthly.	Unlimited deposits; withdrawals/ transfers to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check, draft, debit card, or similar order are limited to six per statement cycle.	$10 fee is waived when you maintain a $5,000 average daily balance.*
Certificate of Deposit (CD)	$10,000	Interest is compounded daily and paid monthly, quarterly, annually or at maturity.	N/A	N/A*
Elite Savings	$1,000	Interest is compounded daily and paid to your account quarterly.	Unlimited deposits; limited withdrawals/transfers to another account or to third parties by preauthorized, automatic, telephone or computer transfer or by check, draft, debit card or similar order are limited to six per calendar month.	$10 fee is waived when you maintain a $2,500 average daily balance.*
IRAs & Roth IRAs	$2,500	Interest is compounded daily and paid to your account at least annually	N/A	$20 annual trustee fee*

(1) Important Notice: Federal regulation and our deposit agreement limit the number of withdrawals and/or transfers that may be made from a savings or money market account. There is a $15 fee for each preauthorized withdrawal or transfer in excess of these limits. If withdrawal limitations are exceeded three times in 12 cycles, the account will be closed or converted to a checking account.

* Fee Schedule

	(916) 567-7200
	info@rivercitybank.com
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