my Advantage Checking

Earn interest and more.

Take advantage of this checking account that has all the perks.

Apply Online

Earn interest on your balance with my Advantage Checking.


  • Earn interest (must meet all requirements during each statement cycle to earn Premium Rate interest)
    • Premium Rate: $0 – $19,999.99
    • Base Rate: Balances $20,000.00 and over, or if all monthly requirements are not met
  • Free Checks (Up to two boxes of RCB Bank custom checks per year)
  • Overdraft fee of $20

Requirements for Account:

  • $100 minimum deposit to open account

Requirements for Premium Interest:

  • A minimum of 20 debit card transactions per statement cycle
  • 1 ACH credit or debit per statement cycle
  • Receive eStatements

Annual Percentage Yield (APY) - Click the button below to see current APY

APY is subject to change at the bank’s discretion. 

Fees 19

  • $10 monthly service charge
    • $2,500 minimum daily balance to avoid service charge
  • eStatements with images are free
    • Monthly paper statement fee is $2.50

Required Documentation

  • Valid Permanent Government-issued Photo ID
    • Cannot be expired or temporary
  • Address
    • Cannot be temporary housing
    • A physical address must be provided, even if a PO Box is used as the mailing address
  • Date of Birth
  • Social Security Number or Employer Identification Number
  • Information on Payable on Death appointees (need their date of birth or social security number)

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. Minimum 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 interest benefits. The minimum requirements to earn 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.

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