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RCB Bank Product Disclosures

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 monthly fee of $5.50 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 monthly fee of $5.50 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. A monthly fee of $5.50 will be assessed for accounts receiving a paper statement. 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 monthly fee of $5 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. The monthly statement on this account does not include images. An IRS determination letter is required to prove non-profit 501(c)(3) tax-exempt status. A monthly fee of $5.50 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 monthly fee of $5.50 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. Item images are available at no additional cost via eStatement. If you prefer images on your paper statement, will provide those for an additional fee. Some restrictions apply. Please ask us for current rates. A quarterly fee of $5.50 will be assessed for accounts receiving a quarterly paper statement. Member FDIC

8. CDARS[sup]®[/sup]

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. 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.

10. OneWayPay

Money transfers can only be made between RCB Bank accounts. Subject to Funds Availability Policy. See your Fee Schedule for any insufficient (NSF) Return Item, Overdraft Paid Item, Bounce Paid Item or other fee(s) that may be assessed. Other restrictions apply. Member FDIC

11. my ClickSWITCH

Terms and conditions apply. To learn more about how to enroll in ClickSWITCH, call 855.226.5722 or visit your local branch. Member FDIC

12. 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

13. 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.

14. Samsung Pay

Mobile data fees may apply. Samsung, Samsung Pay, 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 Pay is available on select Samsung devices.

15. Bill Pay

Some restrictions apply. See your Fee Schedule for associated rush delivery fee(s).

16. 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.

17. Text Banking

Standard carrier fees for data and text messaging may apply. Funds may not be available immediately. Ask for details. Delivery of alerts may be delayed for various reasons, including service outages affecting your phone, wireless or internet provider, technology failures and system capacity limitations. Account balance inquiry may not reflect unprocessed debit card transactions, checks and deposits. Subject to eligibility. Deposit limits may change at any time.

18. My Value Checking

A monthly service fee will apply each statement cycle. A monthly fee will be assessed for accounts receiving a paper statement. Other fees may apply. Please refer to the Schedule of Fees. Benefits cease and pending claims may be denied or rejected for account owners/signers removed from account.

19. my Advantage Checking

Rate may change after the account is opened. Minimum balance of $100 is required to earn interest at the disclosed Tier 1 APY on balances less than $20,000. Balances of $20,000 or more, or the entire balance if interest requirements are not met, will earn interest at the disclosed Tier 2 APY. Premium Interest Requirements: Maintain eStatement enrollment, make at least 20 debit card transactions and one ACH credit or debit transaction per statement cycle. Not maintaining eStatements will result in forfeiture of premium interest benefits. The minimum requirements to earn premium interest must be met and post to the account in each statement cycle. Debit card transactions include merchant or point-of-sale transactions, and exclude refunds or ATM transactions. Fees may reduce earnings. Some restrictions apply. A monthly fee will be assessed for accounts receiving a paper statement, see Fee Schedule. Member FDIC.

20. my Easy Checking

A monthly service fee will apply each statement cycle. A monthly fee will be assessed for accounts receiving a paper statement. Other conditions, restrictions and fees may apply. Please refer to the Schedule of Fees.

21. Kids Checking

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.

22. 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.

23. CDs

Footnote intentionally left blank

24. 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. Amounts disclosed are based on 2020 limits.

25. IRAs

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

26. Business Lending

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

27. Personal Loans

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

28. 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.

29. Merchant Card Services

See your Treasury Services Rep for details and pricing. Message, data rates, fees and deposit restrictions may apply. Subject to eligibility.

30. Digital Lockbox

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

31. Corporate Credit Card

Other fees will apply.

32. Mobile Deposit Business

Message and data rates from carriers may apply. Deposits are subject to verification and may not be available for immediate withdrawal. Subject to eligibility and further review. Deposit limits and other restrictions apply.

33. 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.

34. 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

35. 2024 Consumer Insurance Deductible Relief Loan

This limited time consumer loan offer is for residents of Rogers and Mayes County with filed insurance claims related to the May 25, 2024, tornado. With approved credit, including a minimum credit score of 650. Loan requires automatic debit of monthly payment from an RCB Bank checking or savings account. Max term of 60 months. Max loan amount of $5,000 per qualified household. Loan payment and APR will vary based on the loan amount and term. Other terms, restrictions and exclusions apply. RCB Bank reserves the right to change and/or discontinue this loan program at any time and for any reason. Member FDIC.

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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

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