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1. Business Checking

When you use a terminal not owned by us, the ATM owner/operator may charge additional fees. Transaction limits apply to avoid additional fees. Transactions include ACH debits, checks written, deposits, items deposited and withdrawals (excluding ACH credits, ATM & Debit Card). A fee will be assessed for accounts receiving a paper statement. Member FDIC

2. Business Interest

A fee will be charged when the average collected balance is negative. This fee is determined based on the Federal Funds rate plus 4%. When you use a terminal not owned by us, the ATM owner/operator may charge additional fees. Please ask us for current rates. Transactions include ACH debits, checks written, deposits, items deposited and withdrawals (excluding ACH credits, ATM & Debit Card). A fee will be assessed for accounts receiving a paper statement. Member FDIC

3. Business Money Market

Rates may change after the account is open. Balance and transaction limits apply to avoid additional fees. Fees may reduce earnings. Item images are available at no additional cost via eStatement. Some restrictions apply. Please ask us for current rates. Transactions include ACH debits, checks written, deposits, items deposited and withdrawals (excluding ACH credits, ATM & Debit Card). A fee will be assessed for accounts receiving a paper statement. Member FDIC

4. Non-Profit Association

Some restrictions apply. Must keep at least $200 in account each day to avoid a $4 monthly service charge. An IRS determination letter is required to prove non-profit 501(c)(3) tax-exempt status. A fee will be assessed for accounts receiving a paper statement. Member FDIC

5. eBusiness Analysis

The Earnings Credit will only reduce account charges and is calculated by applying an external index rate (maximum of 5%) to the average collected balance after subtracting reserve requirements for the month. The index is determined by the Investment Committee. An additional fee will be charged when the average collected balance is negative. This fee is determined based on the Federal Funds rate plus 4%. When you use a terminal not owned by us, the ATM owner/operator may charge additional fees. Some restrictions apply. A fee will be assessed for accounts receiving a paper statement. Member FDIC

6. Tap to Pay Debit Card

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo. LLC.

7. Business Savings

Balance and transaction limits apply to avoid additional fees. Some restrictions apply. Please ask us for current rates. A fee will be assessed for accounts receiving a paper statement. Member FDIC

8. CDARS^®

The Standard FDIC insurance maximum is $250,000 per insured capacity, per bank. Funds may be submitted for placement only after a depositor enters into the CDARS® Deposit Placement Agreement with RCB Bank. Please refer to the Deposit Placement Agreement for important account information, limitations, and conditions regarding the placement of funds by us, including funds availability and FDIC insurance coverage. CDARS® and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC. Consult with your account manager or one of our customer service representatives regarding rates. Please consult with your accountant or auditor to determine how CDs should be reported. Investment restrictions imposed by statutes, regulations or policies may limit the authority of public fund managers to invest through CDARS®. Public fund managers in the following states, among others, may be eligible to invest through CDARS®: AK, CO, CT, GA, HI, IL, KS, KY, ME, MN, MO, NE, NH, NV, OK, PA, SC, TN, and VT. Even in these states, the public fund manager must check applicable restrictions to ensure that deposits are eligible for placement using CDARS®.

9. Mobile Banking App

Messaging and data charges may apply. Member FDIC

10. Direct Connect

Quicken® and the QuickBooks® logo are registered trademarks of Intuit, Inc., used under license. RCB Bank does not deliver and is not responsible for the products, services or performance of Intuit, Inc. Internet access may be required. Internet service provider fees may apply. Software is not provided by the Bank and some versions of Quicken® or QuickBooks® may not include direct connect. For further questions or information, please contact your Quicken® or QuickBooks® representative.

11. OneWayPay

Money transfers can only be made between RCB Bank accounts. Subject to Funds Availability Policy. Fees and restrictions may apply. Member FDIC

12. my ClickSWITCH

Terms and conditions apply. Ask us for details. Member FDIC

13. my CardSwap

Requires an RCB Bank debit card. None of the listed companies are associated with, sponsor, or endorse this product. Terms and conditions apply. Standard carrier fees for data and texts may apply. Member FDIC

14. Apple Pay®

Mobile data fees may apply. Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, iTunes, Mac, MacBook Pro, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. Touch Bar is a trademark of Apple Inc.

15. Samsung Wallet

Mobile data fees may apply. Samsung, Samsung Wallet, Galaxy S (and other device names) and Samsung Knox are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Other company and product names mentioned may be trademarks of their respective owners. Screen images are simulated; actual appearance may vary. Samsung Wallet is available on select Samsung devices.

16. Bill Pay

Some restrictions apply. See your Fee Schedule for associated rush delivery and return fees. Member FDIC.

17. Mobile Deposit

Standard carrier fees may apply. Subject to eligibility. Deposit restrictions apply. Deposit limits may change at any time. Funds may not be available for immediate withdrawal. We typically make funds from your check deposits available to you on the business day we receive your deposit. For determining the availability of your deposit, every day is a business day, except Saturdays, Sundays and Federal holidays. If you make a deposit before the close of business on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after the close of business or on a day we are not open, we will consider the deposit was made on the next business day we are open. Please note that you will receive a confirmation that your deposit was made, however you may not see it reflected in your account balance immediately. Account balance inquiry may not reflect unprocessed debit card transactions, checks and deposits.

18. Text Banking

Standard carrier fees for data and text messaging may apply. Funds may not settle or be available immediately. Other transfer restrictions apply. You may opt out of text alerts any time by replying STOP to any text alert or via online or mobile banking.

19. Turbo Tax

Visit https://turbotax.intuit.com/lp/yoy/guarantees.jsp for TurboTax product guarantees and other important information. Limited time offer for TurboTax 2025. Actual prices are determined at the time of print or e-file and are subject to change without notice. All features, services, support, prices, offers, terms and conditions are subject to change without notice. Intuit, TurboTax and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries. RCB Bank does not deliver and is not responsible for the products, services or performance of Intuit Inc.

20. OneDigitalTrust

RCB Bank does not deliver and is not responsible for the products, services, or performance of OneDigitalTrust.

21. Avid Traveling

RCB Bank does not deliver and is not responsible for the products, services, or performance of Avid Traveling.

22. my Cashback Rewards Checking

Must maintain monthly requirements otherwise rewards will be forfeited. Fees, terms and conditions may apply. Member FDIC

23. my Interest Rewards Checking

Annual Percentage Yield (APY) accurate as of 07/01/2026 and subject to change at the bank’s discretion. Rate may change after the account is opened. To obtain premium interest rate, must meet monthly reward requirements and have minimum balance of $100 to earn disclosed APY of 5.00% on balances up to $10,000.00. Balances $10,000.01 or more, or the entire balance if monthly reward requirements are not met, will earn .01% APY. Fees, terms, and conditions may apply. Fees may reduce earnings. Member FDIC

24. my Easy Checking

A monthly service will apply each statement cycle. Fees, terms and conditions may apply. Benefits cease and pending claims may be denied or rejected for account owners/signers removed from account. Member FDIC

25. my Senior Checking

Must maintain monthly requirements otherwise rewards will be forfeited. Fees, terms and conditions apply. A fee will be assessed for accounts receiving a paper statement. Member FDIC.

26. Kids Checking

Kids Checking accounts are for individuals under the age of 18, and a parent or guardian is required to be joint owner or custodian on the account. A fee will be assessed for accounts receiving a paper statement.

27. Kids Savings

Kids Savings accounts are for individuals under the age of 18, and a parent or guardian is required to be joint owner or custodian on the account. A fee will be assessed for accounts receiving a paper statement.

28. CDs

The Annual Percentage Yield (APY) disclosed on the Current Rates page assumes interest will remain on deposit until maturity. Fees could reduce the earnings on the account. A penalty for early withdrawal will apply.

29. Health Savings Account

Seek the advice of a professional tax consultant. High Deductible Health Plan (HDHP) and contribution limits are revised each year for cost-of-living increases.

30. IRAs

Contribution limits are revised each year according to the IRS. Always seek the advice of a professional tax consultant.

31. Business Lending

With approved credit. Terms, qualifications and other restrictions apply.

32. Personal Loans

With approved credit. Terms, qualifications, fees and other restrictions apply.

33. Remote Deposit Capture

See your Treasury Services Rep for details and pricing. Funds may not be available for immediate withdrawal. Deposit restrictions and other qualifications apply. Subject to eligibility and further review.

34. Merchant Card Services

Standard carrier fees for data and text messaging may apply. Subject to eligibility. Deposit restrictions apply.

35. Digital Lockbox

See your Treasury Services Rep for details and pricing. Funds may not be available for immediate withdrawal. Subject to eligibility.

36. Google Pay™

Mobile data fees may apply. Google Pay™, G PAY, Google Play, Google Wallet and the Google Logo are trademarks of Google, LLC.

37. Corporate Credit Card

Other fees will apply.

38. Mobile Deposit Business

See your Treasury Services Rep for details and pricing. Funds may not be available for immediate withdrawal. Message, data rates, fees, deposit restrictions and other qualifications apply. Subject to eligibility and further review.

39. Text Banking Business

Message, data rates, and fees may apply. Subject to eligibility and further review. See your Treasury Services Rep for details and pricing. Funds may not be available immediately.

40. instaBank

Money transfers can only be made between RCB Bank accounts. ITM deposits made before 7 p.m. on business days the Bank is open will be deposited that day. Deposits made after 7 p.m. or on days the Bank is closed will be deposited next business day. Some transactions may be limited during nightly processing. Other restrictions may apply. Member FDIC

41. Farm & Ranch Loans

With approved credit. Terms, qualifications and other restrictions apply. Member FDIC, Equal Housing Lender, RCB Bank NMLS #798151

42. Notify Alerts

Standard carrier fees for data and text messaging may apply. You may opt out of text alerts at any time by replying STOP to any text alert, visiting our mobile app or website, by contacting us at 855.226.5722 or by visiting RCBbank.bank/NotifyOptOut.

43. Savings Account

Qualifications, fees, and conditions apply. Member FDIC

44. Coverdell Education Savings Account

Contact your tax or legal advisor to answer your specific questions about eligibility, distributions, and penalties.

45. 2026 Consumer Loan Promotion

This consumer loan offer for title-secured vehicles, boats and recreational vehicles is available for a limited time only. Annual Percentage Rate (APR) as low as 4.23% APR applies to consumer auto loans only. Consumer boats and other recreational vehicles subject to Annual Percentage Rates as low as 5.23% APR. APR includes a 3% discount for automatic debit of monthly payment from an RCB Bank checking or savings account. Rate could increase if automatic debit is canceled at any time during the term of the loan. Discounted rate is for 2021-2026 models. Loan fees apply. Loan payment and APR will vary based on loan amount, term and any fees. With approved credit, including a minimum credit score of 675. Generally not available for refinance of existing RCB Bank loan. Other terms, restrictions and exclusions may apply. RCB Bank reserves the right to change and/or discontinue the promotion at any time without notice.

46. 2026 Mortgage Promotion

Offer available for most purchases and refinances. With approved credit on RCB Bank Mortgage secondary market loans locked between September 1, 2026 and December 31, 2026. Must meet minimum loan and program underwriting requirements. Lender credit must be used toward borrower closing costs. Not redeemable for cash or down payment funds. This offer is not valid with any other RCB Bank Mortgage incentives, promotions or discounts. Some exclusions apply. This offer is subject to change or termination without notice. Other loan terms and restrictions apply. Member FDIC, Equal Housing Lender, NMLS #798151.

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