Personal Checking Services
Must Be Present to Open an Account.
- Free e-Global Checking!!!!!
- Please come by and see us or give us a call about this new exciting product.
- Minimum balance to open $50.00.
- If you can do the following each Statement Cycle: *Have at least 8 debit card transations post and clear per qualification cycle. (Credit Side) (Debit card transactions processed by merchants and received by the bank as ATM transactions do not count towards qualifying debit card transactions. Only debit card transactions processed by merchants and received by the bank as Debit Card Debit (Signature Based)transactions count towards qualifying debit card transactions). *Have at least one Automatic payment or Direct Deposit post and clear per qualification cycle. *Receive Electronic Statement
- You can Receive High Interest, returned ATM charges up to $25.00 a month & free Bill Pay. *Debit Card only to Qualified Customers.
- Minimum balance to open is $200.00
- No service charge for students under 23 and senior citizens 62 and over!
- Earn interest with the convenience of checking!
BONUS BANKING & BONUS BANKING PLUS
- Receive travel discounts, free bank services, insurance and more while earning interest on your account! Contact us for a detailed brochure on this "better than free" checking account.
All checks are returned on an imaged statement in numerical order. A free binder is provided which makes for easy access to previous statements and requires less storage space.
Automated Teller Machines (ATM’s)
SEVEN ATM locations are available throughout Ralls & Marion Counties:
- Main Bank
- Abel's Shell Station
- Center Branch
- B&B One Stop
- Abel's Shell Station/Broadway
- HLG Administration Building
- Hannibal Branch at 390 N. Veterans Road
Credit and Debit Card Services
MasterCard credit cards are available through RCSBank with no annual fee!
ShazamChek debit cards can be used at ATM's to withdraw cash or at any point of sale that accepts MasterCard debit. Apply for yours today and begin enjoying the convenience of ShazamChek!
Savings & Investments
Savings Accounts earn interest and $100.00 is the required opening amount.
Certificates of Deposit offer higher rates of interest in exchange for committing your deposit for a specific time period. Talk to a new accounts representative about laddering your deposits to keep your money earning the highest market rates!
Both Traditional and Roth Individual Retirement Accounts (IRA's) are available to eligible investors and are funded by certificates of deposit with maturities ranging from one to five years.
Health Savings Accounts (HSA's) are the latest investment tool established to help pay or reimburse qualified medical expenses to you, your spouse, and your dependents. Contributions are deductible, earnings grow tax deferred and qualified distributions are tax-free!
RCSB Prime Money Market Accounts offer a tiered interest platform based off the Prime Interest Rate with limited check writing capabilities.
Money Market Accounts offer a tiered interest platform with limited check writing capabilities.
Christmas Club Accounts make the holidays easier by saving a little every week!
U.S. Savings Bonds are available at Savings Bonds Direct!
Where banking is more than just business...it's personal.