Personal Banking

Personal Checking Accounts


Personal Checking

We realize the importance of great value

Get the most from your checking account with our Personal Checking account. River Town Bank's Personal Checking provides exceptional services, such as unlimited check writing, and so much more. Just start with a $100 opening balance and there's no minimum required thereafter. And, there's no service charge. Great value begins with River Town Bank.

Features

  • No monthly service charge
  • No minimum balance
  • Unlimited check writing
  • Check Images returned with statement
  • Free ATM/MasterCard Check Card1
  • Free Telephone Banking
  • Free Internet Banking and Bill Pay2
  • Notary service available

Notes

Requirements
Minimum to open: $100.

  1. Upon qualification
  2. No set-up or monthly charge. Optional Bill Pay service available free of charge.

Frequently Asked Questions:

What do I need to bring with me to open an account?
Stop by your local River Town Bank office where our Customer Service representatives will be happy to assist you in opening up your checking account. You will need to bring your Arkansas driver's License or Arkansas ID and your Social Security card. You will also need to have the "minimum to open amount" deposit with you.

Will I be charged for this account?
No. That is, no "monthly fee" will be assessed on this account. However, you may incur "activity fees" if you use your ATM card at locations other than River Town Bank's ATM machines. You may also incur overdraft fees if you write checks with insufficient funds in your account.


Classic 50 Checking

One of life's little rewards.

Seniority Has its Advantages

Classic 50 is an account with rewarding benefits like free checks and so much more. And it is available to anyone 50 or better. Compare Classic 50 to other senior checking accounts, and we think you'll agree that it's simply the best account around. Finally, a no-nonsense checking account that is hassle-free, because the way you bank should harmonize with the way you live.

Features

  • No monthly service charge
  • No minimum balance
  • Unlimited check writing
  • Check Images returned with statement
  • Free unlimited standard wallet size checks5
  • Free ATM/MasterCard Check Card2
  • Free Telephone Banking
  • Free Internet Banking and Bill Pay3

Notes

Requirements Minimum to open: $100.

  1. Upon qualification
  2. Upon qualification. Fees could apply at non-River Town Bank ATM's
  3. No setup or monthly charge. Optional Bill Pay service free of charge.
  4. Our bank style. One box per order.

If you've not figured it out by now, we place a high priority on customers 50 and better. That's why Classic 50 can be yours absolutely free.

So, now that you know how valuable your seniority can be, stop by the River Town Bank office nearest you or call us at 1-479-229-3311. We'll show you how to use your seniority to full advantage.

Frequently Asked Questions:

What do I need to bring with me to open an account?
Stop by your local River Town Bank office where our Customer Service representatives will be happy to assist you in opening up your Classic 50 Checking account. You will need to bring your Arkansas driver's License or Arkansas ID and your Social Security card. You will also need to have the "minimum to open amount" deposit with you.

Will I be charged for this account?
The River Town Bank Classic 50 account does not have a monthly service charge. You may incur charges for using your ATM card at locations other than River Town Bank's ATM machines.

Do all parties on the account have to be 50?
No. In fact, if there is 1 person 50 or over, you can qualify to open a Classic 50 account.

Are there per check charges on the Classic 50 Checking Account?
No. You have unlimited check writing without ever incurring any charges.

Can I earn interest on this account?
Yes, you can have this account set-up as a Best Account, Best Plus Account, or a Market Plus Account and earn interest on your balance.


Now Account - "Best" Checking

Get the "Best" of both worlds at River Town Bank

River Town Bank's "Best" Checking account offers unlimited check writing privileges while offering you a competitive market interest rate. You do not have to pay a monthly service fee as long as your account does not drop below a minimum balance. If your account should drop below the minimum balance, your account will still earn interest (at the Tier 2 rate).

Features

  • Competitive market interest rate
  • No monthly service charge if balance stays above $800.001
  • Unlimited check writing
  • Check images returned with statement
  • Free Telephone Banking
  • Free Internet Banking and Bill Pay2

Notes

Requirements

Minimum to open: $800
Minimum to earn: None
Minimum to avoid charge: $800

  1. $10 service charge if balance falls below $800, but the account will still earn interest at the Tier 2 rate.
  2. No setup or monthly charge. Optional Bill Pay service cannot be used with this account.
  3. Not available to partnerships and corporations.

*Interest earned with required balance. All rates set by management and are subject to change without notice. For account regulations and restrictions, please consult an account representative. Applicable maintenance/service fees may reduce earnings.

Frequently Asked Questions:

What do I need to bring with me to open an account?

Stop by your local River Town Bank office where our Customer Service representatives will be happy to assist you in opening up your checking account. You will need to bring your Arkansas driver's License or Arkansas ID and your Social Security card. You will also need to have the "minimum to open amount" deposit with you.


Money Market - "Best Plus" Checking

Limited Check Writing With Super Interest at River Town Bank

River Town Bank's "Best Plus" checking account offers limited check writing privileges while offering you a premium market interest rate. You do not have to pay a monthly service fee as long as your account does not drop below a minimum balance. If your account should drop below the minimum balance, your account will still earn interest (at the Tier 2 rate).

Up to six (6) transfers per monthly statement cycle4, of which three checks per statement cycle4, may be written on your "Best Plus" account while you may still have unlimited over-the counter transactions.

Features

  • Competitive market interest rate
  • No monthly service charge if balance stays above $1,000.001
  • Limited check writing
  • Check images returned with statement
  • Free Telephone Banking
  • Available to corporations and partnerships
  • Free Internet Banking and Bill Pay2

Notes

Requirements

Minimum to open: $1,000
Minimum to earn: None
Minimum to avoid charge: $1,000

  1. $10 service charge if balance falls below $1,000, but the account will still earn interest at the Tier 2 rate.
  2. No setup or monthly charge. Optional Bill Pay service cannot be used with this account.
  3. Available to partnerships and corporations.
  4. You may only make 6 (six) transfers from your account each statement cycle - transfers by checks to third parties and POS, ACH, Debit Card or similar order to a third party may not exceed 3 (three). Each excess transaction will be assessed a $1.00 service charge.

*Interest earned with required balance. All rates set by management and are subject to change without notice. For account regulations and restrictions, please consult an account representative. Applicable maintenance/service fees may reduce earnings.

Frequently Asked Questions:

What do I need to bring with me to open an account?
Stop by your local River Town Bank office where our Customer Service representatives will be happy to assist you in opening up your Community Checking account. You will need to bring your Arkansas driver's License or Arkansas ID and your Social Security card. You will also need to have the "minimum to open amount" deposit with you.


Money Market - "Market Plus" Checking

Large Balance, Instant Availability and A Super Interest Rate at River Town Bank

River Town Bank's "Market Plus" checking account offers limited check writing privileges for checking accounts with a larger balance, while offering you a premium market interest rate. And unlike a Certificate of Deposit, your money is instantly available to you. You do not have to pay a monthly service fee as long as your account does not drop below a minimum balance. If your account should drop below the minimum balance, your account will still earn interest (at the Tier 2 rate).

Up to six (6) transfers per monthly statement cycle4, of which three checks per statement cycle4, may be written on your "Market Plus" account while you may still have unlimited over-the counter transactions.

Features

  • No waiting for your account to "mature" before you can make a withdrawal
  • Competitive market interest rate
  • No monthly service charge if balance stays above $10,000.001
  • Limited check writing
  • Check images returned with statement
  • Free Telephone Banking
  • Free Internet Banking and Bill Pay2

Notes

Requirements

Minimum to open: $10,000
Minimum to earn: None
Minimum to avoid charge: $10,000

  1. $10 service charge if balance falls below $10,000, but the account will still earn interest at the Tier 2 rate.
  2. No setup or monthly charge. Optional Bill Pay service cannot be used with this account.
  3. Available to partnerships and corporations.
  4. You may only make 6 (six) transfers from your account each statement cycle - transfers by checks to third parties and POS, ACH, Debit Card or similar order to a third party may not exceed 3 (three). Each excess transaction will be assessed a $1.00 service charge.

*Interest earned with required balance. All rates set by management and are subject to change without notice. For account regulations and restrictions, please consult an account representative. Applicable maintenance/service fees may reduce earnings

Frequently Asked Questions:

What do I need to bring with me to open an account?
Stop by your local River Town Bank office where our Customer Service representatives will be happy to assist you in opening up your Community Checking account. You will need to bring your Arkansas driver's License or Arkansas ID and your Social Security card. You will also need to have the "minimum to open amount" deposit with you.