Personal Banking

Additional Services

Notarization Service

Free to our customers.

River Town Bank offers Notary Public Services to our customers at no cost. It's just one of the ways we like to give something back to our community.

We are pleased to offer this service to our customers at each branch. Please call in advance to allow for scheduling.

To have a document notarized, please bring your Arkansas Driver's License or Arkansas ID.

Debit MasterCard/ATM Card

You may never write another check!

Use this anywhere MasterCard is accepted and you may never write another check!

That's right, when you use the River Town Bank Debit MasterCard¹, you are actually writing a check "electronically." Your purchase amount is automatically deducted from your checking account. In fact, many people use their Debit MasterCard¹ in place of writing a check. It reduces time and check writing hassles. You no longer have to carry a checkbook, present a check-cashing card or wait for check approvals. River Town Bank's new Debit MasterCard¹ is convenient, and easy to use.

The best way to describe our Debit MasterCard¹ is that it's like an ATM card², with the power of MasterCard. Although it bears the Master Card name, it's not a credit card. And since it is not a credit card, you pay NO setup charges, NO annual fees and NO interest charges. You'll still have the same convenience of using your Debit MasterCard¹ as an ATM card at thousands of ATM locations nationwide. But best of all, you'll be able to use your Debit MasterCard¹ at any hotel, restaurant or retail store where Master Card is accepted.

To begin receiving the full benefits of the River Town Bank Debit MasterCard¹, just complete the authorization form at your local branch. Upon approval, you'll receive your Debit MasterCard¹ and it will already be linked to your checking account. You will select a personal identification number (PIN) as an added security feature for use at ATM locations². This personal code will allow you access to your checking account at thousands of ATM locations nationwide².

At River Town Bank, we strive to deliver the most convenient and beneficial products that best suit our customer's needs. The River Town Bank Debit MasterCard¹ is a new and innovative way to make your banking as convenient as possible.

Special Notes

With a River Town Bank checking account, upon approval
A charge may be incurred if used at non River Town Bank ATM's

Safe Deposit Boxes

A Safe Deposit Box can provide you with peace of mind, knowing that your irreplaceable valuables and important documents are safe from theft, are fire resistant and are available to you any time during regular business hours. Whether you need a box for yourself, your family, your business or your organization, we have a wide variety of sizes to suit your needs. Stop by your local River Town Bank branch for further information.

Choosing the Right Safe Deposit Box

At River Town Bank, we realize that each of our clients may have different needs. For this reason, we have a selection of Safe Deposit Box sizes that will accommodate your needs. It is also important to select a branch near your home or office - so you may conveniently access your new Safe Deposit Box.

Safe Deposit Boxes come in several sizes from 3"x5" to 10"x15" with rental rates starting as low as $15.00 per year.

Purchasing this service

Once you have decided to rent or lease a Safe Deposit Box, visit your branch. To open the Safe Deposit Box account, please bring your Arkansas Driver's License or Arkansas ID with you. Our customer representatives can open an account for you. Your fees will need to be paid at the time the box is opened. We will then send you a bill or charge your River Town Bank checking account or savings account the annual renewal fees one year from the open date. There is a $5 key deposit required and you will be given 2 keys for your account.

Upon selecting your branch and renting or leasing a Safe deposit box, you will simply need to bring your picture ID with you to your branch and your key and visit one of the Customer Service Representatives who will happily assist you in accessing your Safe Deposit Box. You will need to use your key to open the box and lock the box. The time you spend in the secure area is not limited however the average visit takes no more than 10 minutes.

Frequently Asked Questions

I have a Safe Deposit Box and have lost my key? What do I do?
The Customer Service Representative at the branch where your box is located will be happy in assisting you and ordering a new key. There will be a small service charge and in most cases, a new box will be opened and you will receive two new keys. This is done to avoid the hassle of drilling into the box in the event you lose the second key. Since the bank does not keep any master keys - we cannot get into the box.

I would like to have my family have access to my Safe Deposit Box. Is that possible?
Only family or persons whose names have been entered onto the Safe Deposit Box contract will be allowed to access the Safe Deposit Box. If you wish to have family access your Safe Deposit Box, you will simply be required to include their names on the contract form or add them at the branch at a later time. At any time they would like to access the SDB, they will need to bring a picture ID and the key.

Can I leave my box in trust or will?
No. For federal reasons, Safe Deposit Boxes are not to be entered into trusts or wills.

How safe are the Safe Deposit Boxes?
You have the only 2 keys available for the Safe Deposit Box at River Town Bank. Therefore, they are very safe. River Town Bank employees do not have access to the Boxes and access will not be granted to anyone unless their names are on the agreement and they have the key. The Safe Deposit Boxes are also in a fire resistant vault. They are not FDIC insured nor are the contents insured.

Cashiers Check

A Cashiers Check is a check that can be bought for a nominal fee and made out to whomever you choose. You will also have a receipt of the Cashiers Check to assist with verifying the purchase of the check. You will need to visit your local River Town Bank branch to purchase a Cashiers Check.

There is no charge for the first check and then a fee of $1 per hundred ($5 maximum charge per check) for each additional check. This service is only available to River Town Bank customers.

Traveler's Checks

River Town Bank is proud to offer extended products and services to suit your needs. You can get Traveler's Checks from each of our branches.

Traveler's Checks are a form of money used by an individual traveling outside of their immediate area of residence. They are used in place of cash and are accepted around the world. Traveler's checks only require one signature and are available in $20, $50, $100, or $500 denominations and applicable packages.

At the time Traveler's Checks are purchased in the pre-packaged denominations and quantities, the buyer must sign all the checks in the space provided at the top. When the buyer wishes to use one of the checks, he/she fills in the date, the name of the payee, and signs his/her name at the bottom of the check. The checks are only negotiable when countersigned by the buyer at the time of cashing.

Traveler's Checks are serially numbered and the purchaser should keep a record of these numbers for notification in case the checks are lost. If the Traveler's Checks are lost, the customer can report their loss to the nearest River Town Bank office and for assistance with getting them replaced.

River Town Bank offers Traveler's Checks to our customers. They are not available to non-customers. Each branch will have different bundles, however the most common bundles are in 3 x 50 or 5 x 100. River Town Bank does not offer Traveler's Checks in denominations less than $20.

This service is free of charge to River Town Bank customers.

Overdraft Protection/Auto-Transfer

River Town Bank offers Overdraft Protection/Auto-Transfer on our checking accounts for peace of mind and convenience. Another account of your choice will act as your overdraft protection. In the event that charges exceeding your available balance are presented to your checking account, your checks and charges will be paid and sufficient funds, in $100 increments, will simply be transferred from your designated account to your checking account.

Here are some of the benefits of Overdraft Protection. Once you sign up, you will see the value yourself.

Eliminates the embarrassment and cost of NSF checks
No more worrying about transferring funds to cover a check

How It Works

Your checks, withdrawals, pre-authorized payments and automatic payment purchases will be honored for more than the balance in your account to a maximum of the available balance in your designated River Town Bank account. Peace of mind was never this easy.

No monthly fee
Available on most checking accounts

Using your Overdraft Protection

Using your OP has never been easier. Once you sign up, River Town Bank does the work. In the event that a withdrawal, pre-authorized or automatic payment of check is presented to the bank for payment and the total exceeds your available balance, River Town Bank will honor the payment and sufficient funds, in $100 increments, will be deducted from your Savings Account and transferred to your account to cover the payment. - It's that easy. You do not have to do a thing! (This does not apply for checks presented in person).

Frequently Asked Questions

What are the charges associated with Overdraft Protection?
There are no charges for this service.

How much money is deducted from my designated account?
In the event that the Overdraft Protection will need to be used, we will transfer funds in $100 increments to cover the payment.

What happens if funds are not available in my Savings Account?
This is an important topic. If funds are not available in your Savings Account, a sweep will not be made and the items may be returned to Payee. Your account will also incur NSF charges for each of the charges.