River City Bank (RCB)
Schedule of Miscellaneous Fees and Service Charges
Applies to Business Fees and Service Charges Only
Effective January 18, 2024
Commercial Cash Management Online Banking Fees
Single User Commercial Cash Management
(defined as one person with online banking access.) Service includes balance inquiries, access to historical account information and check images, reporting capabilities, intraday balance information, internal transfers between like-owned RCB accounts, stop payment placement ability and access to Bill Payment services. Compatible with Quicken and QuickBooks.
No charge
Multi-User (two or more) Commercial Cash Management
(defined as two or more persons with online banking access.) Service includes balance inquiries, access to historical account information and check images, reporting capabilities, intraday balance information, internal transfers between like owned RCB accounts, stop payment placement ability and access to Bill Payment services. Compatible with Quicken and QuickBooks.
$5 per month
Bill Payment
$10 per month, includes first 20 Bill Payments
$0.55 per payment over 20
Expedited Bill Payment – Electronic Delivery
(Fee shown as Exp Bill Pymt Fee)
$6.95 per payment
Expedited Bill Payment – Overnight Check Delivery
(Fee shown as Exp Bill Pymt Fee)
$30 per payment
Electronic Bank Statements and Notices
Electronic Communications
No charge per notice
Electronic Statement
(Fee shown as Statement Fee when charged)
No charge per statement cycle if receiving electronic statement OR paper statement only
$1 per statement cycle if receiving both electronic AND paper statements
Additional Commercial Cash Management online services are available, including ACH Origination, Online Wire Transfers, Positive Pay and Remote Deposit. See your Account Officer for more information. Fees for such services are contained in the separate service agreements.
Overdraft Fees
Overdraft
If RCB pays an item when your account does not have enough money in your Available Balance1 to cover a transaction. (Fee shown as Overdraft Fee)
$30 for each check, automatic bill payment, ACH debit or recurring debit or similar transaction presented for payment against your account.
NSF (Non-Sufficient Funds) Returned Item
If RCB returns an item when your account does not have enough money in your Available Balance to cover a transaction. (Fee shown as NSF Returned Item Fee)
Maximum of 5 Overdraft and/or NSF Returned Item Fees may be charged per banking day.
– We will not charge an Overdraft or NSF Returned Item Fee unless your Current Balance2 will become negative if the item(s) are or would have been paid.
– We will not charge an Overdraft or NSF Returned Item Fee if the transaction triggering the Fee was made at an ATM or using your ATM/Debit card in a one-time transaction.
In the event an ACH or check is presented multiple times for payment, we will not charge an Overdraft or NSF Returned Item fee on the re-presented transaction if the originator (merchant or financial institution as an example) properly submits and labels the item. A re-presentment occurs when a transaction is submitted for payment, cannot be covered by the balance in the account, is returned as NSF and after being declined, the merchant subsequently resubmits the transaction for payment again. However, if the originator does not properly label the item, we may charge an Overdraft or NSF Returned Item fee on the transaction.
NACHA Operating Rules require the originator of an ACH transaction to properly label an ACH re-presentment as a “RETRY PYMT” or “RCK” (Re-presented Check Entry). An ACH entry must include this required information for the fee to be waived. We cannot reliably identify an ACH re-presentment without the “RETRY PYMT” or “RCK” label. Therefore, you may receive an Overdraft or NSF Returned Item fee on a re-presentment if the required information is not provided by the originator. We have no control over how originators submit their ACH re-presentments. If you believe that a re-presented ACH transaction was mislabeled and you were improperly charged an Overdraft or NSF Returned Item fee, you must notify the Bank within the timeframes outlined in the Deposit Account Agreement.
We identify check re-presentments based on specific criteria that includes bank number, account number, dollar amount, and serial number. The check matching process uses this specific criteria to review the past 180 days of account transaction history based on the transaction date to determine if the check being presented is a re-presentment. The check being presented must match this criteria for the fee to be waived. We have no control over the check information that is provided to us. For example, if another institution processing the check incorrectly captures the check dollar amount or serial number (encoding error), we will not identify it as a re-presentment and you may receive an Overdraft or NSF Returned Item fee on the re-presented check. If you believe that a re-presented check was incorrectly encoded or processed outside the 180 day review period and you were improperly charged an Overdraft or NSF Returned Item fee, you must notify the Bank within the timeframes outlined in the Deposit Account Agreement.
Overdraft Transfer
When your RCB business checking and savings account are linked, and the linked checking account Current Balance is overdrawn, and your savings account has a sufficient Available Balance to cover the overdraft, a transfer is automatically made by RCB from your savings account to your checking account. Refer to RCB’s Savings Overdraft Transfer Authorization and Agreement, and your RCB Deposit Account Agreement for further information. (Fee shown as Transfer Fee)
$5 per automated transfer from Savings to Checking Account
The Transfer Fee will not be charged if there are not enough funds in the savings account to cover the entire overdraft amount.
Specialty Account Fees
ATM on Premise Fee – Owned, Rented, or Leased
(Fee shown as ATM on Premise Fee)
$100 per month
Money Service Business3 Fee
$500 per month
Courier Service
As quoted
Account Activity Fees
Deposits to Account made in branch, through night drop or Armored Transport (Armored Courier)
$1.25 per deposit over 20
Deposits to Account made by ATM, mobile banking, or ACH
$0.10 per deposit over 20
Debits Paid Against Account
Paper (check), in person at branch, electronic (ACH), or for coin/currency change order
$0.14 per debit paid against account over 50
Currency Deposited
$1.20 per $1,000 cash deposited, starting at $1,000 plus.
Fee assessed monthly to the account in which the cash was deposited, as one cumulative fee.
Examples: $800 cash deposit = NO FEE. $1,000 cash deposit = $1.20 fee. $1,500 cash deposit = $1.80 fee.
Coin Bag Processing
$6 per bag
Armored Courier Deposit
$2.50 per deposit plus negotiated cost of armored service plus Deposits to Account Fee shown above when applicable.
Wire Transfer Fees
Incoming Domestic Wire Transfer
(Fee shown when charged as Incoming Wire Fee)
$15 per wire
Incoming International Wire Transfers
(Fee shown when charged as Int’l Wire In Fee)
$15 per wire
Outgoing Domestic Wire Transfer
(Fee shown when charged as Wire Fee Out)
$35 per wire
Outgoing International Wire Transfer sent in U.S. Dollars
(Fee shown when charged as Int’l Wire Fee Out)
$45 per wire
Outgoing International Wire Transfer Foreign Exchange Fee sent in Foreign Currency
(Fee shown when charged as Wire FX Fee.) This fee is assessed in addition to the Int’l Wire Fee Out shown immediately above.
$30 per wire
The total fee for an Outgoing International Wire Transfer sent in foreign currency is $75. ($45 Int’l Wire Fee Out + $30 Wire FX Fee)
Other Miscellaneous Deposit Account Fees
Check Stop Payment
You request a Stop Payment Order be placed on a check. For checks drawn off of your River City Bank account, you may make this request through online banking, in-person at a branch, or over the phone. Your Stop Payment Order is effective for 6 months. For Bill Pay checks, you may make this request in-person at a branch, or over the phone. (Fee shown as Direct S/C – Stop Payment Fee or Stop Payment Fee)
$30 per request
ACH Stop Payment
You request a Stop Payment Order to be placed on an Automated Clearing House (ACH or electronic debit) item. This request may be made in-person at a branch or by phone. Requests made by phone require written confirmation within 14 days. Your ACH Stop Order is effective indefinitely, unless RCB is otherwise instructed by you. (Fee shown as Direct S/C – Stop Payment Fee.)
$30 per request
Excessive Withdrawal Fee
The Bank limits the number of withdrawals and transfers that may be made each calendar month from Savings and Money Market Accounts to a total of 6. See RCB Deposit Account Agreement for specific limitations. (Fee shown as Service Charge – Excess Withdrawal)
$15 for each excessive item.
Fees will show as a total for each calendar month. For example, 3 excessive item fees during the calendar month will show on your monthly statement as one charge for $45
Check Copy
Providing additional copies of your checks that you pick up in-person at a Branch or ask us to mail or e-mail to you. There is no charge for the first two items per statement that we copy for you.
$1 per check
Cashier’s Check
Check paid for by you and issued by the Bank. Cashier’s checks are treated as guaranteed funds because the bank, rather than the purchaser, is responsible for paying the amount. Can be an alternative to a personal check.
$8 per check for RCB Customer
$20 per check for non-RCB customer converting an RCB check into a cashier’s check to the same payee
Order for Checks or Supplies
An order of business checks, deposit slips or other banking supplies.
Varies, based on items ordered
Counter Check
An emergency check when you don’t have any checks left in your checkbook.
$1 per check
Statement Copy
Providing additional copies of your statement that you pick up at a branch or ask us to mail or email to you.
$5 per statement
Medallion Signature Guarantee
$10 per signature
Notary Service
No charge for notarization of Bank documents.
$10 per signature for notarization of non-Bank documents
Account Research
You request the bank to complete research for various data within your account records.
$45 per hour
Legal Process
RCB receives a garnishment, attachment, levy, search warrant or other legal order for processing against your deposit account.
$150 per legal order or the remaining funds available in the account after satisfying the Legal Process, if full $150 fee is not available.
Account will not be overdrawn by this fee.
Automated Teller Machine (ATM) and Debit Card Fees
MoneyPass© ATM Activity
No charge. River City Bank participates in MoneyPass©, an ATM surcharge free network. If you use an ATM that utilizes MoneyPass© and you are charged a fee, please contact us for a refund of the fee.
Non-MoneyPass© ATM Activity
(Fee shown as Direct S/C - ATM Foreign WD Fee) Avoid these fees by using an ATM that utilizes the MoneyPass© Network.
$2.50 each for any inquiries, transfers, withdrawals while using a non-MoneyPass© ATM in the U.S., including U.S. Dollar transactions made in Puerto Rico and the U.S. Virgin Islands.
Fees from the company that owns and/or operates the ATM still apply. (See Other ATM/Debit Card Transactions, below in this section).
RCB customers can utilize the El Dorado Savings Bank ATM at 247 Main St. Placerville, CA 95667 without receiving an ATM Foreign WD Fee. RCB will also refund the El Dorado Savings Bank ATM surcharge fee. This fee will be refunded within 60 days of the transaction date. (Refund shown as ATM Fee Refund or similar) If you believe a fee was not properly refunded, you must notify the Bank within the timeframes outlined in the Deposit Account Agreement. If you close your account prior to a refund being credited, you will not receive the refund unless you request it prior to account closing.
Foreign Country ATM Cash Withdrawal Activity
(Fee shown as Direct S/C – ATM Foreign WD Fee)
$2.50 per withdrawal, inquiry or transfers at ATMs outside of the U.S., including foreign currency transactions performed in Puerto Rico, and the U.S. Virgin Islands.
Fees from the ATM owners still apply. See Other ATM/Debit Card Transactions, below in this section. Currency conversion costs also apply.
Foreign Country Purchases, cash transactions in a currency other than U.S. dollars
(Fee shown EFT Service Charge – SVC CHG Intrntl Tr An)
1% of transaction amount after conversion to U.S. Dollars.
Currency conversion costs also apply.
Other ATM/Debit Card Transactions
Merchants may charge a fee for ATM and Debit Card transactions. This is not an RCB fee. (Fee shown as ATM Surcharge or may be included in your transaction by the Merchant)
Fees vary by Merchant
Card Replacement
Requests made after 1 p.m. PST, Monday-Friday excluding Federal Holidays will be considered received on the following business day.
$10 per card for each card ordered within one year of receipt of previous card, due to loss or damage.
Fee will not be assessed when replacement cards are ordered due to fraud and/or theft of card regardless of time since receipt of card.
Expedited Card Delivery
Requests made after 1 p.m. PST, Monday-Friday excluding Federal Holidays will be considered received on the following business day.
$50 per card for 3-Business Day Delivery
Safe Deposit Box Rental Fees (discontinued)
Safe Deposit Box
Box size and availability vary by branch.
Fees applicable to current safe deposit box holders.
$40 to $150 annual fee, dependent on size of box rented
2” X 5” $40.00
3” X 5” $50.00
4” X 5” $60.00
5” X 5” $70.00
3” X 10” $80.00
5” X 10” $90.00
6” X 10” $100.00
9” X 10” $140.00
10” X 10” $150.00
Replacement Key
You will be issued two Safe Deposit Box entrance keys. If you lose one key, or close your box and only return one key, you will be charged a Replacement Key Fee.
$20 per replacement key
Drilling Fee
If the safe deposit box must be opened and the customer’s key is not available for use. This could occur, for example, if both customer keys have been lost, or if a box is drilled for non-payment of rent.
$125 per drilled Safe Deposit Box
If your account(s) are on Account Analysis or you are interested in applying for Commercial Cash Management Services, other fees may apply and will be disclosed to you upon request. Refer to River City Bank Deposit Account Agreement and Product Information and Disclosures for further account information.
1Your Available Balance is defined as your Current Balance plus or minus today’s activity, minus holds for total of transactions that have not yet cleared, and minus total of deposited checks that have not yet cleared.
2Your Current Balance is defined as the amount of money you have on deposit in that particular deposit account.
3The term “Money Services Business” includes any person/company doing business, whether or not on a regular basis or as an organized business concern, in one or more of the following capacities: (1) Currency dealer or exchanger; (2) Check casher; (3) Issuer of traveler’s checks, money orders or stored value; (4) Seller or redeemer of traveler’s checks, money orders or stored value; (5) Money transmitter; or (6) U.S. Postal Service.
