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RCB Bank
  • Personal
      • Bank
      • Borrow
      • Invest
      • Learn

      Checking

      Savings

      CDs

      Bank Anywhere

      Security Center

      Consumer Loans

      Mortgage

      Mortgage Application

      Check Mortgage Status

      Credit Card

      Member Login

      Trust & Fiduciary Services

      Investment Services

      Land Management

      Retirement Plan Services

      • Rural Development Loans: What to Know
      Visit the Learning Center
  • Business
      • Bank
      • Borrow
      • Manage
      • Learn

      Business Checking

      Business Savings

      Land Management

      Treasury Services

      Asset Managment

      Security Center

      Business Lending

      Business Leasing

      Ag Lending

      Contact a Lender

      RemitPlus® Express™

      Merchant Card Services

      Remote Deposit Capture

      ACH Services

      Digital Lockbox

      Online Banking – Business

      • Rural Development Loans: What to Know
      Visit the Learning Center
  • Mortgage
  • Trust & Wealth
  • Find a Branch
  • Security Center
  • Contact Us
  • News & Announcements

    Fourteen Seniors Receive Florence L. Stephens Scholarships Through RCB Bank Trust & Wealth Management

    Bymcostello August 10, 2026August 10, 2026

    COWLEY COUNTY, KS — Fourteen area high school students receive the Florence L. Stephens Scholarship. Due to Stephens’ great love for education as well as the students of Cowley County, the Florence L. Stephens Trust was established to administer the scholarship fund for local high school students. RCB Bank serves as the trustee and is…

    Read More Fourteen Seniors Receive Florence L. Stephens Scholarships Through RCB Bank Trust & Wealth ManagementContinue

  • Electronic fraud. Hand stealing credit card.
    ID Theft & Fraud

    Protect Yourself from Fraud

    Bymcostello December 15, 2025April 7, 2026

    What You Need to Know

    Read More Protect Yourself from FraudContinue

  • man on phone
    ID Theft & Fraud

    Beware Toll Tag Text Fraud: Protecting Your Identity and Finances

    Bymcostello April 3, 2025

    Toll tag text fraud is on the rise, targeting unsuspecting drivers across the United States. Scammers send fraudulent text messages claiming unpaid tolls and demanding immediate payment to avoid penalties. These messages often include links leading to phishing websites designed to steal personal and financial information, such as credit card details or driver’s license numbers….

    Read More Beware Toll Tag Text Fraud: Protecting Your Identity and FinancesContinue

  • Hand Reaching through laptop screen
    ID Theft & Fraud

    Synthetic Identity Fraud

    Bymcostello February 19, 2025July 24, 2026

    Synthetic identity fraud has emerged as the fastest-growing form of financial crime, surpassing traditional credit card fraud and identity theft. This sophisticated scheme involves creating fictitious identities by combining real and fabricated personal information, posing a significant threat to financial institutions and individuals alike. Fraudsters typically begin by obtaining authentic personal data, often focusing on…

    Read More Synthetic Identity FraudContinue

  • Art of Human Hacking
    ID Theft & Fraud

    The Rise of AI-Powered Deepfake Scams: Protect Yourself

    Bymcostello January 24, 2025July 24, 2026

    The increasing accessibility of artificial intelligence (AI) tools has made it easier for scammers to create deepfakes that are difficult to distinguish from genuine content. This poses a significant challenge for individuals and organizations trying to protect themselves from these sophisticated attacks. Deepfake technology is powered by AI and has become a significant threat for 2025,…

    Read More The Rise of AI-Powered Deepfake Scams: Protect YourselfContinue

  • Charity Fraud Scam Season - RCB Bank Learning Center
    ID Theft & Fraud

    Charity Fraud Scam Season

    Bymcostello September 16, 2024

    As the holiday season approaches, scammers are gearing up to exploit your generosity through charity fraud. Don’t let these Grinches steal your holiday spirit or your hard-earned money. Here’s how to protect yourself from charity scams this season. First, be wary of high-pressure tactics. Legitimate charities won’t rush you to donate immediately. Take your time…

    Read More Charity Fraud Scam SeasonContinue

  • Scam Alert
    ID Theft & Fraud

    Travel Scams: Protect Yourself from Fraud While Exploring the World

    Bymcostello December 13, 2023July 28, 2026

    As winter approaches and holiday travel plans take center stage, winter wanderers must be on high alert for potential scams lurking in various forms. From deceptive emails to cunning calls and enticing social media posts, scammers are ramping up their efforts to exploit the joyous spirit of the season. Here’s how to navigate the winter…

    Read More Travel Scams: Protect Yourself from Fraud While Exploring the WorldContinue

  • Mortgage Pre-Approval vs. Pre-Qualification
    Mortgage Matters

    Mortgage Pre-Approval vs. Pre-Qualification

    Bymcostello November 16, 2023July 24, 2026

    As the real estate market continues to evolve, prospective homebuyers are faced with various choices and decisions. One of the pivotal considerations in the homebuying process is understanding the distinction between Mortgage Pre-Approval and Pre-Qualification. To shed light on this often-confusing subject, experts weigh in to help homebuyers make informed decisions. Mortgage pre-approval and pre-qualification…

    Read More Mortgage Pre-Approval vs. Pre-QualificationContinue

  • RCB Bank Cybersecurity
    ID Theft & Fraud

    Cybersecurity: Protecting Yourself and The Bank

    Bymcostello October 30, 2023July 24, 2026

    As we conclude October’s Cybersecurity Month, it is essential to reinforce the importance of safeguarding both yourself and your financial institution, such as RCB Bank, against the ever-present threat of phone-based social engineering. This form of cybercrime preys on trust and human vulnerability, making it crucial for individuals and institutions to stay vigilant. Here are…

    Read More Cybersecurity: Protecting Yourself and The BankContinue

  • RCB Bank Cybersecurity
    ID Theft & Fraud

    Cybersecurity: Recognizing the Red Flags

    Bymcostello October 20, 2023July 24, 2026

    Our phones have evolved beyond mere communication devices, transforming into powerful tools for social engineering. Phone-based social engineering is a sophisticated threat that manipulates individuals into revealing confidential information or engaging in actions that compromise security. Recognizing the warning signs of these deceptive tactics is crucial to safeguard your personal and financial information. Unsolicited Calls:…

    Read More Cybersecurity: Recognizing the Red FlagsContinue

  • RCB Bank Cybersecurity
    ID Theft & Fraud

    Cybersecurity: The Artform of Deception

    Bymcostello October 13, 2023July 24, 2026

    In the digital age, deception has evolved into an artform, and phone-based social engineering has emerged as one of its most cunning creations. Deceptive tactics employed by these attackers often involve the impersonation of trusted entities or individuals to gain the trust of their unsuspecting victims. Let’s take a deeper dive into the intricate web…

    Read More Cybersecurity: The Artform of DeceptionContinue

  • RCB Bank Cybersecurity
    ID Theft & Fraud

    What exactly is cybersecurity, and how can you protect yourself from its various forms?

    Bymcostello October 5, 2023July 24, 2026

    In today’s digital age, the term “cybersecurity” has become synonymous with safeguarding our digital lives. It’s the shield that guards our critical systems and sensitive information from the relentless onslaught of digital threats. Cybersecurity is the practice of protecting critical systems and sensitive information from digital attacks. These attacks can take many forms, ranging from…

    Read More What exactly is cybersecurity, and how can you protect yourself from its various forms?Continue

  • RCB Bank Learning Center - Unmasking Social Engineering
    ID Theft & Fraud

    Unmasking Social Engineering: The Phone’s Silent Weapon

    Bymcostello September 26, 2023

    The phone has become more than just a communication tool; it has become a powerful instrument for social engineering. Social engineering via phone involves manipulating individuals into revealing confidential information or performing actions that compromise their security. The Art of Deception Phone-based social engineering relies heavily on deception. Attackers often impersonate trusted entities or individuals…

    Read More Unmasking Social Engineering: The Phone’s Silent WeaponContinue

  • RCB Bank Mortgage Matters- Pros and Cons of Refinancing
    Mortgage Matters

    The Pros and Cons of Refinancing Your Mortgage

    Bymcostello September 22, 2023July 24, 2026

    Refinancing your mortgage can be a tempting option for homeowners looking to lower their monthly payments or take advantage of lower interest rates. However, like any financial decision, there are pros and cons to consider before making the leap. One of the biggest advantages of refinancing your mortgage is the potential to save money. If…

    Read More The Pros and Cons of Refinancing Your MortgageContinue

  • Breaking Free: Unleashing Financial Fitness Through Forgiveness and Forgetting
    Financial Recovery

    Breaking Free: Unleashing Financial Fitness Through Forgiveness and Forgetting

    Bymcostello July 3, 2023

    In the journey toward financial fitness, it’s important to recognize that everyone makes mistakes. We’ve all had our share of financial ups and downs, and dwelling on past financial problems can hinder our progress. The key to achieving true financial well-being lies in embracing a ‘forgive and forget’ mindset. By learning from our past mistakes…

    Read More Breaking Free: Unleashing Financial Fitness Through Forgiveness and ForgettingContinue

  • Beware of Online Quizzes
    ID Theft & Fraud

    Beware of Online Quizzes

    Bymcostello January 23, 2023

    Online quizzes sure seem like innocent fun. But before you take that next personality test, quick survey or “find out what type of BLANK you are” quiz, ask yourself: Do I know who’s gathering this information about me – and what do they plan to do with it? The more information you share on these…

    Read More Beware of Online QuizzesContinue

  • RCB Bank Learning Center - How to Balance Checkbook
    Kids & Money

    How to Balance Your Checkbook

    Bymcostello November 18, 2022July 23, 2026

    In today’s technological climate, manually balancing your checkbook with pen (or pencil) and your register likely has gone the way of the dodo bird. But, knowing exactly what comes out and goes into your checking account not only is one of the best ways to combat fraud, it can give you a true idea of…

    Read More How to Balance Your CheckbookContinue

  • Email Scams
    ID Theft & Fraud

    Email Scams on the Rise

    Bymcostello May 17, 2022July 23, 2026

    Recently there has been a rise in email fraud where a scammer poses as a major retailer, luring unsuspecting people with claims that an expensive purchase was made by them. The email will give a number to call if the email recipient doesn’t recognize or wants to dispute the purchase. This is a common phishing…

    Read More Email Scams on the RiseContinue

  • coins
    ID Theft & Fraud

    Beware of Micro-Deposit Scams

    Bymcostello May 6, 2022

    As the world continues to move more toward digital transactions, more and more businesses and organizations utilize digital payment methods. Digital payments have boomed since the start of the COVID-19 pandemic because of their flexibility and ease of use. But as more digital payment processing companies begin to emerge, scammers adapt. A new scam that…

    Read More Beware of Micro-Deposit ScamsContinue

  • Mortgage spring cleaning
    Mortgage Matters

    Spring Clean Your Mortgage

    Bymcostello February 25, 2022July 23, 2026

    Spring traditionally is a time of regrowth, new life and budding. You may get the itch to deep clean and organize your house. And while you’re at it, you should consider a “spring cleaning” of your mortgage as well. These tips could lead to saving money, so take the time to look to see if…

    Read More Spring Clean Your MortgageContinue

  • Scam! IRS Calling
    ID Theft & Fraud

    Watch for Tax Season Scams

    Bymcostello February 17, 2022June 25, 2026

    As tax season kicks into high gear, scammers are looking to take advantage. Scammers will make aggressive phone calls posing as IRS agents, hoping to steal money or information from victims. Scammers will demand immediate payment for tax bills, regardless of whether you owe taxes or not. And if you give the scammers personal information,…

    Read More Watch for Tax Season ScamsContinue

  • The 52-Week Savings Resolution
    Personal Finance

    Resolve to Save More Money This Year

    Bymcostello December 10, 2021July 23, 2026

    New Year’s resolutions help keep people motivated to stick to their new-year goals. And if you’re looking to kick-start your savings this year, try the 52-week savings resolution. Just think, by the end of the year, you could have nearly $1,500 stashed away. What you do with the money accrued from this savings is up…

    Read More Resolve to Save More Money This YearContinue

  • couple reviewing documents
    Mortgage Matters

    Navigating the Three-Day Loan Disclosure Waiting Period

    Bymcostello November 24, 2021July 23, 2026

    Timing is everything, and that is especially true when purchasing a house. Whether you’re waiting for the right home or applying for a mortgage, there are many time-sensitive processes to follow to ensure you can get the home and the financing you want. It may seem like there’s a lot of hurry up and wait…

    Read More Navigating the Three-Day Loan Disclosure Waiting PeriodContinue

  • Beware of Christmas scams and fraud
    ID Theft & Fraud

    Be Wary of Christmas Season Scams

    Bymcostello November 17, 2021July 23, 2026

    ‘Tis the season for scams. This Christmas season, be on the lookout for scams and fraud. The Christmas season is the busiest shopping part of the year, and scammers are in full swing waiting to take advantage. As many retailers begin their Christmas sale specials, scammers are ready with fraudulent websites and social media campaigns,…

    Read More Be Wary of Christmas Season ScamsContinue

  • Follow these tips to help you navigate your Christmas budget
    Personal Finance

    Having a Budget Can Make for a Stress-free Christmas

    Bymcostello November 16, 2021July 23, 2026

    The holidays are a time when it’s tempting – and easy – to toss your budget out the window and splurge on your friends and family. After all, it’s the season of giving. And often, giving the perfect gift is just as fun as receiving a gift. However, with proper planning, you can stay on…

    Read More Having a Budget Can Make for a Stress-free ChristmasContinue

  • Social Security
    ID Theft & Fraud

    Be on the Lookout for Social Security scammers

    Bymcostello October 15, 2021July 24, 2026

    Now is the time to be on the lookout for Social Security scammers. Those who receive Social Security benefits don’t have to do anything to receive the increase. The increases will happen automatically. However, scammers will try to take advantage of those who are unaware that their increase will happen automatically. These tips from the…

    Read More Be on the Lookout for Social Security scammersContinue

  • Cartoon man in eye cover running toward computer
    ID Theft & Fraud

    Beware of Spoof Websites

    Bymcostello September 16, 2021July 23, 2026

    Spoof websites can lure unsuspecting people into giving away their information without knowing that they’re doing it. A spoof website will try to make itself look almost exactly like the website it is trying to spoof, hoping a person will enter their personal information or username and password. Once a scammer’s fake, but legitimate-looking website…

    Read More Beware of Spoof WebsitesContinue

  • car with coins
    Borrowing Basics

    Car Refinancing Basics

    Bymcostello April 26, 2021July 27, 2026

    What is auto refinancing? Auto refinancing is when you replace your current automobile loan with a new loan that has better or different terms. The new loan pays off your original loan and you open a new loan with new paperwork, a new loan rate and new terms and conditions. When to Refinance Your Car…

    Read More Car Refinancing BasicsContinue

  • Refinancing
    Mortgage Matters

    Mortgage Refinancing Basics

    Bymcostello April 15, 2021July 23, 2026

    Mortgage Refinancing Basics What is refinancing? A mortgage refinance is when you replace your current mortgage with a new mortgage. There are many reasons why homeowners may want or need to refinance: To shorten the terms of their current mortgage. To get a lower interest rate than their current mortgage. To use the equity of…

    Read More Mortgage Refinancing BasicsContinue

  • Malware
    ID Theft & Fraud

    What is Malware?

    Bymcostello March 26, 2021July 23, 2026

    Malware, otherwise known as malicious software, is a type of fraud that uses viruses, spyware, or other software to intentionally damage a computer, server, device or computer network. Criminals use malware to steal personal information, commit fraud, send spam or monitor and control online activity. There are many different types of malware, including spyware, viruses,…

    Read More What is Malware?Continue

  • home under constrcution
    Mortgage Matters

    Construction Loans Explained

    Bymcostello March 16, 2021July 23, 2026

    Types of Construction Loans A variety of constructions loans are available to homebuyers. It all depends on your specific situation. If you want to shop around and potentially use more than one lender, then getting two separate loans (one for the construction and then a second to pay off the construction loan and put the…

    Read More Construction Loans ExplainedContinue

  • How to finance a home renovation or construction.
    Mortgage Matters

    How to Finance a Home Renovation or Construction

    Bymcostello June 16, 2020July 21, 2026

    Do you want to renovate a home after buying? Are you considering building a new home? In these situations and many others, you will need a construction loan before you start a traditional mortgage. Depending on your situation, different loans are required. Construction to permanent With a construction to permanent loan the lender releases money…

    Read More How to Finance a Home Renovation or ConstructionContinue

  • RCB Bank 2026 Mortgage Promotion
    Mortgage Matters | News & Announcements

    RCB Bank 2026 Mortgage Promotion

    Bymcostello September 1, 2026September 2, 2026

    Open the door to savings with RCB Bank’s limited time Mortgage Promotion beginning September 1, 2026. Save $1,000 on closing costs with a lender credit when you buy or refinance your home with RCB Bank by December 31. Whether purchasing your first home, moving into the next or refinancing your current mortgage, this limited-time offer…

    Read More RCB Bank 2026 Mortgage PromotionContinue

  • Calvin Ochs Web Announcement
    News & Announcements

    RCB Bank Welcomes Wichita Assistant Vice President, Loan Officer Calvin Ochs

    Bymcostello August 10, 2026August 10, 2026

    Wichita, KS. — RCB Bank is pleased to welcome Calvin Ochs as Assistant Vice President, Loan Officer at its Wichita Berkeley Square location. In his role, Ochs provides lending expertise to individuals, agricultural producers and business customers throughout the Wichita market. Ochs began his banking career after graduating from the University of Nebraska-Kearney with a…

    Read More RCB Bank Welcomes Wichita Assistant Vice President, Loan Officer Calvin OchsContinue

  • Daphne Moulton - RCB Bank Blackwell Retail Coordinator
    News & Announcements

    RCB Bank Promotes Daphne Moulton to Retail Coordinator in Blackwell

    Bymcostello August 10, 2026August 10, 2026

    Blackwell, OK. — RCB Bank is pleased to announce the promotion of Daphne Moulton to Retail Coordinator at the Bank’s Blackwell location. In her new role, Moulton will oversee the day-to-day operations of the retail side of the Bank while continuing to support customers and the Blackwell community. Moulton joined RCB Bank in July 2025…

    Read More RCB Bank Promotes Daphne Moulton to Retail Coordinator in BlackwellContinue

  • Michael Holt Web Announcement
    News & Announcements

    RCB Bank Welcomes Claremore Vice President, Loan Officer Michael Holt

    Bymcostello August 10, 2026August 10, 2026

    Claremore, OK. — RCB Bank is pleased to announce the addition of Michael Holt as Vice President, Loan Officer at its Claremore Main location. Holt brings more than two decades of banking experience and a strong background in commercial banking to the role. As Vice President, Loan Officer, Holt is responsible for originating and underwriting…

    Read More RCB Bank Welcomes Claremore Vice President, Loan Officer Michael HoltContinue

  • Couple Sitting on the Floor
    Mortgage Matters

    6 Ways to Pay Off Your Mortgage Faster

    Bymcostello August 10, 2026August 10, 2026

    If you’re a homeowner with a mortgage, you may have felt daunted by the prospect of making payments for another 10, 20 or 30 years before you finally own your home free and clear. Wondering if you can – or should – pay off your mortgage faster? Read on to learn some pros, cons and helpful…

    Read More 6 Ways to Pay Off Your Mortgage FasterContinue

  • Teen looking at mobile Phone
    ID Theft & Fraud

    How to Outsmart Smishing Scammers and Keep Your Phone Secure

    Bymcostello August 10, 2026August 10, 2026

    Sending a text message is an easy way to communicate, but it can also be an easy way to get scammed. Smishing (SMS phishing) scams are on the rise, and you need to understand how they work so you can protect your personal information. What Is a Smishing Text Message Scam?Smishing is a form of…

    Read More How to Outsmart Smishing Scammers and Keep Your Phone SecureContinue

  • Nic Day - RCB Bank Ponca City Loan Officer
    News & Announcements

    RCB Bank Welcomes Ponca City Loan Officer Nic Day

    Bymcostello August 10, 2026August 10, 2026

    Ponca City, OK. — RCB Bank is pleased to welcome Nic Day as Loan Officer in Ponca City. His experience in lending and dedication to community involvement align with the Bank’s focus on building personal relationships and supporting the financial needs of the communities it serves. Day brings a strong background in lending and a…

    Read More RCB Bank Welcomes Ponca City Loan Officer Nic DayContinue

  • Chuck Bell -RCB Bank Coweta Community President
    News & Announcements

    RCB Bank Welcomes Coweta Vice President, Community President Chuck Bell

    Bymcostello August 10, 2026August 10, 2026

    Coweta, OK. — RCB Bank is pleased to announce the addition of Chuck Bell as Vice President, Community President of their Coweta location. In his role, Bell will lead local business development efforts, support customers’ financial goals and strengthen the Bank’s commitment to the community. Bell brings more than 20 years of banking experience to…

    Read More RCB Bank Welcomes Coweta Vice President, Community President Chuck BellContinue

  • RCB Bank to Acquire Investrust
    News & Announcements

    RCB Bank to Acquire Investrust

    Bymcostello July 30, 2026August 10, 2026

    RCB BANK, headquartered in Claremore, Oklahoma, today announced it has entered into an agreement to purchase INVESTRUST, headquartered in Oklahoma City, Oklahoma from INVESTRUST Wealth Management. The acquisition will double the size of RCB BANK’s trust services offered throughout its footprint in 63 locations in Oklahoma and Kansas. The transaction is expected to close in late…

    Read More RCB Bank to Acquire InvestrustContinue

  • 6 Smart Ways to Use Your Tax Refund
    Financial Planning

    6 Smart Ways to Use Your Tax Refund

    ByAlly McGoffin June 18, 2026June 18, 2026

    Who doesn’t like getting a tax refund? There are so many ways to spend it! Before you fill up your cart with impulse items, think about how you could use that cash to boost your long-term financial security. This article shows you six excellent ways to use your IRS windfall. 1. Build Your SavingsOkay, so…

    Read More 6 Smart Ways to Use Your Tax RefundContinue

  • Beware of IRS Imposters! Learn How to Spot a Scam.
    ID Theft & Fraud

    Beware of IRS Imposters! Learn How to Spot a Scam.

    ByAlly McGoffin June 18, 2026June 18, 2026

    By posing as the IRS, criminals try to trick you into providing sensitive information such as your Social Security number, online passwords or banking details, which they can then use to commit identity theft. Tax Day rolls around each April and, if you’re like most people, you pay your taxes on time and are careful…

    Read More Beware of IRS Imposters! Learn How to Spot a Scam.Continue

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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 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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Kansas
Oklahoma

Address Info

RCB Bank
P.O. Box 189
Claremore, OK
74018
855.226.5722
NMLS #798151
RCB Bank Routing Number: 103112594

Home
Why RCB Bank?
Contact Us
Lost/Stolen Card
Location Finder

Holiday Schedule
Security Center
Learning Center
News & Announcements
Careers

FDIC Deposit Insurance
Overdraft Protection
Accessibility Statement
Transparency in Coverage
Re-Order Checks

RCB Bank Product Disclosures
Privacy Disclosure
Mortgage Insurance Claim

Kansas
Oklahoma

RCB Bank
P.O. Box 189
Claremore, OK
74018
855.226.5722
NMLS #798151
RCB Bank Routing Number: 103112594

Member FDIC
Equal Housing Lender
©
2026
RCB Bank

If you receive a call or text from RCB Bank requesting information of any kind, hang up and call your local branch or a verified RCB Bank phone number.

We will be be closed Monday, September 7 for the federal holiday Labor Day. Click here for our holiday schedule.

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