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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
  • Clint Barney RCB Bank Loan Officer
    News & Announcements

    RCB Bank Welcomes Clint Barney as Loan Officer

    Bymcostello June 18, 2026June 18, 2026

    Ponca City, OK. — RCB Bank would like to welcome Clint Barney as Vice President, Loan Officer of its Ponca City (North) location, bringing more than eight years of commercial and business lending experience and a strong commitment to community-focused banking. In his role, Barney will work closely with local families and businesses to provide responsible,…

    Read More RCB Bank Welcomes Clint Barney as Loan OfficerContinue

  • RCB Bank Welcomes Shannon Egan as Senior Mortgage Loan Originator
    News & Announcements | Uncategorized

    RCB Bank Welcomes Shannon Egan as Senior Mortgage Loan Originator

    Bymcostello June 18, 2026June 18, 2026

    WICHITA, KS. — RCB Bank is pleased to welcome Shannon Egan as a Senior Mortgage Loan Originator serving the Wichita community from the Bank’s Berkeley Square Parkway location. In her role, Egan works closely with individuals and families to guide them through the residential mortgage process, from application to closing. She specializes in home purchase and refinance lending…

    Read More RCB Bank Welcomes Shannon Egan as Senior Mortgage Loan OriginatorContinue

  • RCB Bank Promotes Jason Johnson to Community President
    News & Announcements

    RCB Bank Promotes Jason Johnson to Community President

    Bymcostello June 18, 2026June 18, 2026

    Ponca City, OK. — RCB Bank is pleased to announce the promotion of Jason Johnson to Senior Vice President, Community President. Johnson will lead the Bank’s Ponca City market and oversee strategic growth initiatives across multiple locations. Johnson, who previously served as Vice President, Loan Officer, brings more than 26 years of banking experience, all within the Ponca…

    Read More RCB Bank Promotes Jason Johnson to Community PresidentContinue

  • RCB Bank Welcomes Patty Potteiger as Community President
    News & Announcements

    RCB Bank Welcomes Patty Potteiger as Community President

    Bymcostello June 18, 2026June 18, 2026

    Owasso, OK — RCB Bank is thrilled to announce the promotion of Patty Potteiger to Senior Vice President, Community President of Owasso. Potteiger previously served as Senior Vice President of Lending at RCB Bank’s Union location for the past two years. Potteiger brings more than 20 years of executive leadership and banking experience, including an extensive background in commercial lending. Before…

    Read More RCB Bank Welcomes Patty Potteiger as Community PresidentContinue

  • RCB Bank Community President John White
    News & Announcements

    RCB Bank Welcomes John White as Market President

    Bymcostello February 19, 2026July 28, 2026

    Wichita, KS — RCB Bank is pleased to announce the addition of John White as Senior Vice President, Market President, serving the Wichita Market and operating out of the Bank’s Berkely Square office. White joins RCB Bank with more than 23 years of banking experience and a well-established reputation as a trusted advisor in commercial…

    Read More RCB Bank Welcomes John White as Market PresidentContinue

  • Gloria Ulbrich of Winfield, KS receives KBA Award for 50 years of service.
    News & Announcements

    RCB Bank’s Gloria Ulbrich to receive KBA 50-Year Club Award

    Bymcostello December 16, 2025July 28, 2026

    RCB Bank is proud to announce that Gloria Ulbrich will be honored by the Kansas Bankers Association (KBA) as a recipient of the prestigious 50-Year Club Award. This recognition celebrates Gloria’s remarkable five decades of service. Her leadership and dedication have strengthened community banking across Kansas. The Kansas Bankers Association 50-Year Club Award honors individuals…

    Read More RCB Bank’s Gloria Ulbrich to receive KBA 50-Year Club AwardContinue

  • 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

  • gift-wrapped cash
    Personal Finance

    Holiday Shopping | Setting a Realistic Budget

    Bymcostello December 9, 2025July 24, 2026

    The holiday season is a time for joy, celebration and generosity—but it can also be a time of financial stress if spending gets out of control. With rising costs and endless temptations, it’s easy to overspend. The good news? A little planning can help you enjoy the season without breaking the bank. Start with a…

    Read More Holiday Shopping | Setting a Realistic BudgetContinue

  • Mortgage Rates
    Mortgage Matters

    Mortgage Points Explained: Buying Down Your Interest Rate

    Bymcostello December 8, 2025July 24, 2026

    When you’re shopping for a mortgage, you may come across the term “mortgage points” or “discount points.” These can be a smart way to lower your interest rate and save money over the life of your loan, but they’re not always the right choice for everyone. Here’s what you need to know. What Are Mortgage…

    Read More Mortgage Points Explained: Buying Down Your Interest RateContinue

  • Grant VanOrsdol
    News & Announcements

    RCB Bank Promotes Grant VanOrsdol as Retail Coordinator in Stillwater

    Bymcostello October 24, 2025July 28, 2026

    Grant VanOrsdol originally joined RCB Bank in 2023 as a teller and was quickly promoted to Customer Service Representative (CSR). We are proud to announce his promotion to Retail Coordinator. In this role, Grant supports tellers and other CSRs, ensuring customers receive exceptional service while maintaining the highest standards of bank policy and procedure. While…

    Read More RCB Bank Promotes Grant VanOrsdol as Retail Coordinator in StillwaterContinue

  • RCB Bank Announces Leadership Promotions in Community Region
    News & Announcements

    RCB Bank Announces Leadership Promotions in Community Region

    Bymcostello October 23, 2025July 28, 2026

    RCB Bank is proud to announce the promotion of two outstanding leaders. Gregg Conklin Promoted to EVP, Regional President Gregg Conklin has been promoted to Executive Vice President, Regional President, overseeing operations across 13 markets in the Community Region including Vinita, Langley, Monkey Island, Bartlesville, Blackwell, Cushing, Drumright, Caney, Arkansas City, Winfield, Wellington, Oxford and…

    Read More RCB Bank Announces Leadership Promotions in Community RegionContinue

  • House made of paper
    Mortgage Matters

    The Annual Percentage Rate Cost of Your Mortgage

    Bymcostello July 15, 2025

    When shopping for a mortgage, understanding the Annual Percentage Rate (APR) is essential to grasping the true cost of your loan. While the interest rate tells you how much you’ll pay each year to borrow the principal, the APR goes further by including not just the interest, but also most fees and other charges associated…

    Read More The Annual Percentage Rate Cost of Your MortgageContinue

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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

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