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  River City Bank Checking Account
River City Bank Checking Account
in Checking Accounts from River City Bank · fdic
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River City Bank Checking Account

Unaffiliated
in Checking Accounts from River City Bank · Member FDIC
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Highlights
Cashback Rewards N/A
APY (Annual Percentage Yield) N/A
Monthly Fee N/A
Minimum Balance to Avoid Monthly Fee N/A

River City Bank Checking Account Review

River City Bank Checking Account is offered by River City Bank, a bank founded in 1963 and based in Sacramento, CA. River City Bank Checking Account is available in 1 state across the USA.

Key Takeaways
  • Bill pay. Pay your bills to practically anyone in the United States through River City Bank.
River City Bank checking account Pros & Cons
Pros Cons
  • Access to physical branches.
  • Free debit card and the option to lock/unlock the card if lost or stolen
  • No signup bonus.
  • Does not earn interest.
  • Does not provide access to a nationwide ATM network.
  • Only available in one state.
  • Higher than average wire transfer fees.
  • Charges a higher than average fee on out-of-network ATM transactions.
River City Bank checking account FAQ

Are checking accounts from River City Bank federally insured?

Yes, this account is insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC #18983). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does River City Bank checking account offer?

River City Bank checking account is not an interest bearing account.

What are the account minimums for River City Bank checking account?

River City Bank Checking Account Minimums
Description

What fees does River City Bank checking account charge?

River City Bank Checking Account Fees
Description
ATM Fee: In-Network $0
Check Copy $1
Debit Card Replacement Fee $10
Foreign Transaction Fee (Debit Card) 1%
NSF Fee $0
Online Bill Pay Fee $0
Overdraft Item Fee $30
Overdraft Protection Fee (per transfer) $5
Paper Statement Fee $5
Returned Deposit Fee (Domestic) $10
Returned Deposit Fee (International) $10
Stop Payment Fee $30
Wire Transfer Fee - Domestic (Incoming) $15
Wire Transfer Fee - Domestic (Outgoing) $35
Wire Transfer Fee - International (Incoming) $15
Wire Transfer Fee - International (Outgoing) $45
ATM Fee: Out-of-Network Starting at $2.50

Does River City Bank checking account charge overdraft fees?

Yes, River City Bank checking account charges a $30 fee for every overdraft.

River City Bank checking account offers overdraft protection at a cost of $5 per transaction.

What features and perks does River City Bank checking account offer?

This account includes the following features:

  • Fraud monitoring - River City Bank checking account monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - River City Bank checking account allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.

What is the customer support email for River City Bank checking account?

The customer support email for River City Bank checking account is info@rivercitybank.com.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From River City Bank

At River City Bank, we’ve elevated personal checking with features and benefits designed to productively enhance your busy lifestyle. Regardless of the checking account that you choose, you’ll experience a level of service unmatched anywhere, bringing an entirely new meaning to “personal checking.”

 

Availability

  Available in 1 state
California
Availabile in all of California

Feature Breakdown

ATM Fee: In-Network $0
NSF Fee $0
Online Bill Pay Fee $0
Check Copy $1
Debit Card Replacement Fee $10
Foreign Transaction Fee (Debit Card) 1%
Overdraft Item Fee $30
Overdraft Protection Fee (per transfer) $5
Paper Statement Fee $5
Returned Deposit Fee (Domestic) $10
Returned Deposit Fee (International) $10
Stop Payment Fee $30
Wire Transfer Fee - Domestic (Incoming) $15
Wire Transfer Fee - Domestic (Outgoing) $35
Wire Transfer Fee - International (Incoming) $15
Wire Transfer Fee - International (Outgoing) $45
ATM Fee: Out-of-Network Starting at $2.50
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
Account Features
  • Free Bill Pay
  • Mobile Check Deposit
  • Mobile Banking
  • Fraud Monitoring
  • Debit Card Lock/Unlock
  • Fraud Protection
  • Debit Card
  • Branch Access
  • Member FDIC

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