my Easy Checking 5.7.2024
855-226-5722
RCBbank.com
[email protected]
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 closed on Monday, February 16th in honor of the federal holiday Presidents' Day. Click here for a list of all holiday closings.
Truth in Savings - my Easy Checking
Mailing address:
P.O. Box 189
Claremore, OK 74018
MINIMUM BALANCE REQUIREMENTS. You must deposit $25.00 to open this account. A monthly service fee of $5.00 will be imposed every statement cycle.
PROCESSING ORDER. All deposits post first. Then debits in the following transaction type order, within each transaction type, transactions post by amount order, low to high. Items with check numbers post in serial order; when a check number is not present, then posting occurs by amount order, low to high.
Debit Transaction Type Posting Order
ATM Withdrawals
Online Banking and Anytime Banker Transfers
On-Us Teller Cashed Checks
3rd Party Cashed Checks
ITM Cashed Checks
Debit Card PIN transactions
Debit Card POS Signature transactions
Debit Card Recurring transactions
ACH Debits
ITM Checks Deposited at RCB Bank
On Us Checks Deposited at RCB Bank
Checks Deposited at another institution
*This is not an all-inclusive list. These are the most common types of transactions and may not include transactions used less frequently. If you have any questions, please contact us at (855) 226-5722.
**Serial Order – Chronological order of the serial number. (i.e. check number 1001 will post before check number 1007) if both are received on the same day within the same group listed above.
The processing order of these items is important because if there is not enough money in the account to pay for the items in the order they are processed in accordance with the processing order, there may be an overdraft on your account which may result in overdraft or non-sufficient funds fees or an increase in the amount of these fees. The processing order of these items is important because if there is not enough money in the account to pay for the items in the order they are processed in accordance with the processing order, there may be an overdraft on your account which may result in overdraft or non-sufficient funds fees or an increase in the amount of these fees.
OVERDRAFT PROTECTION. An overdraft on your account occurs when you do not have sufficient funds in your account to cover items such as a traditional paper check, a teller withdrawal, an automatic payment (ACH) transaction, an everyday or recurring debit payment or an ATM withdrawal. Neither Bounce Protection nor Enhanced Bounce Protection are offered on this account. Therefore, overdrafts are not permitted and may result in account closure. See TRANSACTION LIMITATIONS section for further information.
TRANSACTION LIMITATIONS. Withdrawals made by check are not permitted on this account. If a check (excluding BillPay checks) clears against the account, a Check Fee of $2.00 per check, per presentment will be charged to the account. Attempts to write checks or multiple check transactions may result in account closure.
Repeated overdrafts created through debit card transactions that are authorized against a positive balance in the account but results in or creates a negative balance upon settlement may result in account closure.
ADDITIONAL INFORMATION REGARDING YOUR ACCOUNT.
ERROR RESOLUTION. If you have questions about your account, please call or write your local RCB Bank branch or call our Call Center at 855-226-5722 within 30 days of the statement. We will promptly research any problems or errors you believe have occurred.
NEGATIVE REPORTING TO CREDIT BUREAUS. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.
STATEMENT DELIVERY. We will provide an electronic (eStatement) on your account at no charge each month. If a consumer paper statement is requested, the consumer paper statement fee of $2.00 will be assessed to your account.
ACCOUNT CLOSURE. Please see the Deposit Agreement for specific account closure terms and conditions. RCB Bank will consider your account closed when the account balance has been at zero ($0.00) for seven (7) consecutive days. Removing all funds from the account may result in accidental closure. See OVERDRAFT PROTECTION and TRANSACTION LIMITATIONS sections for further information.
FEES AND CHARGES. Please refer to the separate Fee Schedule provided to you with this disclosure for information about fees and charges associated with this account. A Fee Schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request.
MONTHLY SERVICE CHARGE. A monthly service fee of $5.00 will be imposed every statement cycle.
ATM usage in network is unlimited. A fee of $1.00 per transaction for each out-of-network ATM transaction will be charged to the account.
