| Account Features | Modern Checking |
Modern Savings |
Investment Checking |
Investment Savings |
Modern CD |
Traditional CD |
IRA Accounts |
2nd Chance Checking |
|---|---|---|---|---|---|---|---|---|
| Transactions per Month | Unlimited | 6 | Unlimited | 6 | None | None | Per IRS Guidelines | Unlimited |
| ATM Withdrawals | Unlimited | Unlimited | Unlimited | Unlimited | None | None | None | Unlimited |
| ATM Fees* | Free | Free | Free | Free | N/A | N/A | N/A | Free |
| Interest Type** | Tiered & Variable | Tiered & Variable | Tiered & Variable | Tiered & Variable | Variable | Fixed | Multiple Options | None |
| Minimum Balance | None | None | $50,000 | $50,000 | $500 | $500 | None | None |
| Monthly Fee | N/A | N/A | None*** | None*** | N/A | N/A | N/A | $10.00 |
| Internet Banking | Free | Free | Free | Free | Free | Free | Free | Free |
| Mobile Banking | Free | Free | Free | Free | Free | Free | Free | Free |
| Bill Pay | Free | N/A | Free | N/A | N/A | N/A | N/A | N/A |
| Debit Card | Free | N/A | Free | N/A | N/A | N/A | N/A | Free |
| Physical Checks Allowed | Yes | No | Yes | No | No | No | No | No |
| 1 Year FREE Safe Deposit Box Rental | Yes | Yes | Yes | Yes | No | No | No | No |
| Account Features | Modern Checking |
Modern Savings |
Investment Checking |
Investment Savings |
Modern CD |
Traditional CD |
IRA Accounts |
2nd Chance Checking |
|---|---|---|---|---|---|---|---|---|
| Transactions per Month | Unlimited | 6 | Unlimited | 6 | None | None | Per IRS Guidelines | Unlimited |
| ATM Withdrawls | Unlimited | Unlimited | Unlimited | Unlimited | None | None | None | Unlimited |
| ATM Fees* | Free | Free | Free | Free | N/A | N/A | N/A | Free |
| Interest Type | Tiered & Variable | Tiered & Variable | Tiered & Variable | Tiered & Variable | Variable | Fixed | Multiple Options | None |
| Minimum Balance | None | None | $50,000 | $50,000 | $500 | $500 | None | None |
| Monthly Fee | N/A | N/A | None*** | None*** | N/A | N/A | N/A | $10.00 |
| Internet Banking | Free | Free | Free | Free | Free | Free | Free | Free |
| Mobile Banking | Free | Free | Free | Free | Free | Free | Free | Free |
| Bill Pay | Free | N/A | Free | N/A | N/A | N/A | N/A | N/A |
| Debit Card | Free | N/A | Free | N/A | N/A | N/A | N/A | Free |
| Physical Checks Allowed | Yes | No | Yes | No | No | No | No | No |
| 1 Year FREE Safe Deposit Box Rental | Yes | Yes | Yes | Yes | No | No | No | No |
*RiverHills Bank does not charge a fee for using Non-RiverHills Bank ATMs. RiverHills Bank is not liable for any fees you may incur from other institutions when using their ATMs.
**Rates may change after the account is opened.
***A $100 charge will apply to accounts with an average monthly balance less than $50,000.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: when you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
This account is for your everyday transactions
Modern Savings
If you have some extra cash and wants to earn a little more on it but still want easy access to it
Modern CD
If you have some extra cash, you don't need it for a while and you want to earn more interest with a variable rate
Traditional CD
If you have some extra cash, you don't need it for a while and you want to earn more interest with a fixed rate
IRA Accounts
If you are looking for a safe way to start saving for retirement
2nd Chance Checking
If you are not able to get a checking account because of something in your past but you are trying to start over