FDIC Consumer Alerts are posted at the FDIC website to help consumers keep informed about the most recent methods criminals use to get individuals to disclose personal information. On the Federal Trade Commission site, consumers can find detailed guidance on how to monitor their credit histories, use effective passwords, and recover from identity theft.

 

 

Checking

     

Personal

Free Checking

  • No monthly service fees and no minimum balance required
  • Option of email or paper statement
  • No check images returned
  • Free access to RubyNet internet banking
  • Free access to 24 Hour Better Banking


Ruby Checking

  • No minimum daily balance
  • Monthly fee of $7.50 includes:
    • Option of email or paper statement
    • Check images returned with statement
    • Free BillPay services
    • Free access to RubyNet internet banking
    • Free access to 24 Hour Better Banking
    • Unlimited check writing


Interest "NOW" Checking

  • Simple interest accrued daily and paid monthly*
  • No monthly service charge if $1,000 minimum daily balance is maintained
  • If balance falls below the minimum, the monthly service charge is $15.00
  • Option of email or paper statements
  • Check images returned with statement
  • Free BillPay services
  • Free access to RubyNet internet banking
  • Free access to 24 Hour Better Banking


Preferred "SUPER NOW" Checking

  • Simple interest accrued daily and paid monthly*
  • No monthly service charge if $2,500 minimum daily balance is maintained or $10,000 combined balance in checking, savings, and/or certificate of deposit accounts
  • If neither balance can be maintained the monthly service charge is $25.00
  • Preferred checking customers qualify for the following package benefits:
    • Free personalized checks (RVNB logo checks)
    • Free Visa TravelMoney Cards
    • Free money orders
    • Free cashier's checks
    • Free notary service
    • Free BillPay services
    • Free access to RubyNet internet banking
    • Free access to 24 Hour Better Banking
    • $2 discount on safe deposit box rental (automatic payment)
    • Installment loan discount (with approved credit)
    • Combined statement of all accounts monthly

*Interest rates on interest bearing checking and savings accounts are subject to change without notice. Interest will be compounded every month. Interest will be credited to your account every month.

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Business


Business Checking

  • Full service checking account designed for business entities, i.e. corporations, partnerships, LLCs, joint ventures, sole proprietorships, and non-profit organizations*.
  • No monthly service charge if $300 minimum daily balance is maintained. Service charge is waived for non-profit organizations.
  • If balance falls below the minimum, the monthly service charge will be $12.00.
  • BillPay Service included - FREE!


Business Interest Checking

  • For sole proprietorships and non-profit organizations.
  • Simple interest accrued daily and paid monthly on daily balance.*
  • No monthly service charge if $1,000 minimum daily balance is maintained.
  • If balance falls below the minimum, the monthly service charge will be $25.00.
  • BillPay Service included - FREE!

 

*Interest rates on interest bearing checking and savings accounts are subject to change without notice.


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24 Hour Better Banking

  • Customer service available 24 hours a day, 7 days a week
  • Dial (406) 842-5121 or toll free (888) 842-5121
  • Touch-tone phone, account number, and personal security code required to utilize voice response system
  • Services available:
    • Verify Social Security automatic deposits
    • Determine checks paid on your account
    • Check account balance
    • Transfer funds between accounts
    • Verify deposits
    • Interest rate quotes
    • Verify checks paid by number or amount
    • Check status of loan/Make loan payment
    • Reorder checks

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Vigilante Overdraft Protection

  • For individuals who wish to have a pre-arranged approved line of credit
  • Avoid costly overdraft charges and embarrassing delays
  • Annual fee of $10
  • Simple interest charged on the average daily balance of loan account balance
  • Minimum monthly repayment of $20 or 5% of outstanding balance, whichever is greater 

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RVNB ATM Card

  • Maximum daily cash withdrawal is $300.00
  • Non-RVNB ATM charge of $1 per transaction
  • Lost ATM card replacement fee of $10.00 per occurrence

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RVNB VISA® Check Card

  • Maximum daily cash withdrawal is $300.00
  • Non-RVNB ATM charge of $1 per transaction
  • Maximum of $1,000 point-of-sale transactions over a three day period
  • Lost Visa® Check card replacement fee of $10.00 per occurrence


If your card is lost or stolen, please call us immediately at 406-684-5678. After hours or on the weekend, please call 888-833-3455.

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