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Last Updated: 01/21/2026

River City Bank Checking Account

from River City Bank

Last Updated: 01/21/2026

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Highlights

Welcome Offer

N/A(Verified 09/28/2022)

Cashback Rewards

N/A

APY (Annual Percentage Yield)

N/A

Monthly Service Fee

N/A(Verified 01/21/2026)

River City Bank Checking Account Review

The 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.

Key Takeaways

Bill pay. Pay your bills to practically anyone in the United States when you enroll in River City Bank mobile or online banking.

River City Bank checking account Pros & Cons

Pros

Cons

Access to physical branches.
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 fee on out-of-network ATM transactions.

River City Bank checking account FAQ

Are checking accounts from River City Bank federally insured?

Yes, your deposits are insured 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?

What fees does River City Bank checking account charge?

River City Bank Checking Account Fees

Description

Paper Statement Fee

Starting at $5

ATM Fee: In-Network

Starting at $0

ATM Fee: Out-of-Network (within the U.S.)

Starting at $2.5

NSF Fee

Overdraft Item Fee

Starting at $30

Returned Deposit Fee (Domestic)

Starting at $10

Card Replacement Fee (Standard Delivery)

Starting at $10

Online Bill Pay Fee

Starting at $0

Stop Payment Fee

Starting at $30

Check Copy

Foreign Transaction Fee (Debit Card)

Starting at 1%

Wire Transfer Fee - US Domestic (Outgoing)

Starting at $35

Wire Transfer Fee - International (Outgoing)

Starting at $45

Wire Transfer Fee - International (Incoming)

Starting at $15

Returned Deposit Fee (International)

Starting at $10

Wire Transfer Fee - US Domestic (Incoming)

Starting at $15

Does River City Bank checking account charge overdraft fees?

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

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 checks¹ 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 checking account

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.”

Contact

Headquarters

2485 Natomas Park Dr.

Sacramento, CA 95833

Visit Site

Email Support

Hours of Operation

Sunday

Closed

Monday

8:00AM - 5:00PM

Tuesday

8:00AM - 5:00PM

Wednesday

8:00AM - 5:00PM

Thursday

8:00AM - 5:00PM

Friday

8:00AM - 5:00PM

Saturday

Closed

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SuperMoney Net Recommendation Score

This product has no reviews yet. Help others by sharing your thoughts.

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.