Account Features Modern
Checking
Modern
Savings
Modern
CD
Traditional
CD
IRA
Accounts
2nd Chance
Checking
When you should choose this account? This account is for your everyday transactions If you have some extra cash and wants to earn a little more on it but still want easy access to it If you have some extra cash, you don't need it for a while and you want to earn more interest with a variable rate If you have some extra cash, you don't need it for a while and you want to earn more interest with a fixed rate If you are looking for a safe way to start saving for retirement If you are not able to get a checking account because of something in your past but you are trying to start over
Transactions per Month Unlimited 6 None None Per IRS Guidelines Unlimited
ATM Withdrawls Unlimited Unlimited None None None Unlimited
ATM Fees* Free Free N/A N/A N/A Free
Interest Type Tiered & Variable Tiered & Variable Variable Fixed Multiple Options None
Minimum Balance None None $500 $500 None None
Monthly Fee N/A N/A N/A N/A N/A $10.00
Internet Banking Free Free Free Free Free Free
Mobile Banking Free Free Free Free Free Free
Bill Pay Free N/A N/A N/A N/A N/A
Debit Card Free N/A N/A N/A N/A Free
Physical Checks Allowed Yes No No No No No
1 Year FREE Safe Deposit Box Rental Yes Yes No No No No
Modern
Checking
Modern
Savings
Modern
CD
Traditional
CD
IRA
Accounts
2nd Chance
Checking
Transactions per Month Unlimited 6 None None Per IRS Guidelines Unlimited
ATM Withdrawls Unlimited Unlimited None None None Unlimited
ATM Fees* Free Free N/A N/A N/A Free
Interest Type Tiered & Variable Tiered & Variable Variable Fixed Multiple Options None
Minimum Balance None None $500 $500 None None
Monthly Fee N/A N/A N/A N/A N/A $10.00
Internet Banking Free Free Free Free Free Free
Mobile Banking Free Free Free Free Free Free
Bill Pay Free N/A N/A N/A N/A N/A
Debit Card Free N/A N/A N/A N/A Free
Physical Checks Allowed Yes No No No No No
1 Year FREE Safe Deposit Box Rental Yes Yes No No No No

*RiverHills Bank does not charge a fee for using Non-RiverHills Bank ATMs. RiverHills Bank is not liable for any fees you may incur from other institutions when using their ATMs.

Modern Checking
This account is for your everyday transactions

Modern Savings
If you have some extra cash and wants to earn a little more on it but still want easy access to it

Modern CD
If you have some extra cash, you don't need it for a while and you want to earn more interest with a variable rate

Traditional CD
If you have some extra cash, you don't need it for a while and you want to earn more interest with a fixed rate

IRA Accounts
If you are looking for a safe way to start saving for retirement

2nd Chance Checking
If you are not able to get a checking account because of something in your past but you are trying to start over