streamlined products

banking made easier

We’ve optimized our products to offer you only the very best.

Most banks have so many different products that it’s impossible to decide which one will work best for you. We’ve combined the best product features into a few select account types designed for today’s person. This includes free Checking and Savings accounts that earn interest, are optimized for online use, and have no minimum requirements.

Account Features Modern
2nd Chance
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

*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.

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Traditional IRA

Traditional IRAs offer tax-deferred interest on contributions and in most cases are tax deductible.


Coverdell Education Savings Account

It’s never too soon to start saving for that college education. We offer a variety of convenient terms and conditions to fit your needs.

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Roth IRA

Roth IRAs are non-deductable but offer tax free earning when certain distribution requirements are met. We can develop an IRA program to fit everyone’s needs with both fixed and variable rate options.

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Safe Deposit Box Rental

Free 1 year Safe Deposit Box rental requires payment to be automatically deducted from a RHB account.

Fees on accounts may reduce earnings. Rates are subject to change at the banks discretion without notice.



To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: when you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.