Personal Banking
Personal Checking Services
Must Be Present to Open an Account.
e-Global Checking
- 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: *Eight check card transactions (Credit Side) *One direct deposit or One ACH Auto Debit. *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.
Regular Checking
- Minimum balance to open is $200.00
- No service charge for students under 23 and senior citizens 62 and over!
NOW Accounts
- 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)
Eleven ATM locations are available throughout Ralls, Marion & Pike counties:
New London:
- RCSBank - Main Bank
- Abel's Shell Station
Center:
- RCSBank - Center Branch
Perry:
- B&B One Stop
Hannibal:
- Abel's Shell Station/Broadway
- B-Thoro-Mart/2000 Hwy 61 South
- HLG Administration Building
- Mark Twain Riverboat (May 1st thru October 31st)
-
Credit and Debit Card Services
Visa 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 only $25.00 is required to open an account for those under 21. For customers 21 & older, $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.
CESA's (Coverdell Educational Savings Accounts) are available to help fund education expenses from elementary through post-graduate work.
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 in Series EE and Series I. Gifts of Savings Bonds are always appreciated!
Where banking is more than just business...it's personal.