Coronavirus (COVID-19) Updates

We understand the continued concern surrounding Coronavirus (COVID-19) in our communities, and our hearts go out to all those who’ve been impacted. You may have specific questions about how to manage your finances and conduct your banking while being proactive to stay safe and avoid contact with others during this pandemic. We’re here to support you.

Cares Act Information

Personal & Family Stimulus Programs
Small Business Programs


Why is River City Bank’s lobby closed?
We made the decision to close our bank lobby because our primary responsibility continues to be the health and well-being of our clients, staff, and community. Rest assured, River City Bank remains well-capitalized and financially strong. These measures were taken strictly as an abundance of caution from guidance provided by the CDC, United States and local governments.

The lobby is closed but I still need to get cash and conduct transactions.  What should I do?
Our drive-thru continues to be open normal business hours, and our ATM and Night Deposit are available for your convenience. If you need to make an appointment with a banker, please contact us at 706-236-2123 during regular business hours (M-F 8am-5pm).

Drive-Thru Hours:
Monday-Thursday            8AM-5PM
Friday                                 8AM-6PM
Saturday                            9AM-Noon

Our full suite of Digital Banking solutions is available 24/7. Bank from the comfort and safety of your own home, at your convenience:

  • Check account balances
  • Access bank statements
  • Pay bills electronically
  • Transfer money to friends and family
  • Transfer money between accounts
  • Deposit paper checks with mobile deposit

If you’re a client and not already enrolled in online and mobile banking, enroll today. It’s fast, easy, and there’s no fee! ENROLL TODAY.

If you receive a paper check from your employer, you may be able to choose to have your employer deposit your paycheck directly into your bank account at River City Bank. Check with your employer’s HR department for instructions on how to enroll. Those who receive paper checks for Federal benefits may enroll in automatic deposits via GoDirect.

I didn’t receive my direct deposit. What should I do?
Contact your employer to ensure that payroll operations are functioning as normal and to verify that funds were sent to the correct account, and when they are scheduled to be deposited into your account.

I don’t have access to River City Bank’s ATM right now but need cash.  What can I do to avoid ATM fees?
River City Bank is a member of the SUM® Surcharge Free ATM Network which gives our customers access to over 30,000 ATMs in the US free of charge. Visit or download their free mobile app to find ATM locations near you.

Additionally, River City Bank will cover the cost of any ATM fees customers may be charged by ATM providers outside of our ATM network now through May 3rd, 2020. We will continue to evaluate the situation and the timing related to covering the cost associated with “foreign ATM fees”.

Will there be enough cash during a pandemic or other national disaster?
The Federal Reserve System has and will continue to meet the currency needs of banking customers.  Be assured that sufficient resources are available to handle customer needs. Keep in mind, the safest place for your money is inside a bank.  Banks will continue to ensure that their customers have access to funds either directly or electronically, and inside an FDIC insured bank, your funds are protected by the FDIC.

How much of my money is safe and covered under the FDIC’s deposit insurance?
Regardless of the bank’s operating conditions, your money is insured by the FDIC.  Deposits with an FDIC-insured bank or savings institution will continue to be protected up to at least $250,000.  Please see the FDIC’s additional information regarding deposit insurance.

I have deposits at a bank that I think may exceed the FDIC’s deposit insurance limits.  What should I do?
The FDIC has a number of deposit insurance resources to help you determine your deposit insurance coverage.  A key tool for determining deposit insurance coverage is the Electronic Deposit Insurance Estimator (EDIE), which is available at River City Bank clients can contact our deposit specialists at 706-236-2123 to discuss your current FDIC coverage.

Beware of scams

Look out for suspicious email, text messages, phone calls, and fraudulent websites that may impersonate a company, charity, or government agency. Remember:

  • NEVER share sensitive information such as your online and mobile banking password or social security number.
  • ALWAYS access digital banking by using our secure mobile app or visiting (not by clicking a link from an email).
  • If you receive a suspicious email or text message, NEVER respond, click on any links, or open attachments.
Additional Coronavirus (COVID-19) Resources
email communications to our Clients