RCB Personal Savings RCB Personal Money Market Certificate of Deposit Individual Retirement Account
Minimum Opening Deposit $100 $100 $1,000 $1,000
Monthly Service Charge $3 (waived for minors under 18) $8 N/A N/A
How to Avoid Monthly Service Charge $100 minimum daily balance $2,000 average daily balance N/A N/A
Earns Interest Compounded daily and credited quarterly Compounded daily and credited quarterly Compounded daily and credited monthly, quarterly, or at maturity Compounded daily and credited monthly, quarterly, or at maturity
Free Online & Mobile Banking
Free Mobile Check Deposit N/A N/A
Excessive Activity Charge* $5 $10 N/A N/A
Other Information N/A N/A ✔  Early withdrawal penalties apply

✔  Early withdrawal penalties apply

✔  Maximum annual contribution limits apply


*There is an excessive activity charge for transfers and withdrawals from a savings/money market account to another account of yours or to a third party by means of a pre-authorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party in excess of six per calendar month.

**See Miscellaneous Services/Fees for Additional Information