Business Checking

All our checking accounts offer Check Imaging service to provide you with images of your checks with each monthly statement. Images are in check number order for easier reconciliation of your account. Check Imaging reduces clutter and keeps your documents together in one simple package.

We know that running a business can be hectic at times and that you want to make the right decisions along the way. All you have to do is ask @ RSB. We can guide you towards making the right decision at the right time. As your business grows, your needs will change and that's where we come in. We have the tools to make your business come together. Here are a few highlights.

Commercial Checking

For all types of businesses, this is our most versatile checking account. If you are a fast moving or large business or corporation that writes a large number of checks, this account may be designed for you. The monthly service charge is based on an account analysis. You earn credit on balances that you keep, based on your average daily balance and it is applied to your service charge each month. The earnings credit may change at any time. The larger the balance in your account, the more credit you earn to minimize your monthly service charge. The monthly service charge is $10, plus transaction fees of $0.15 per check written or debit item, $0.10 per deposit receipt/credit received, and $0.15 per item deposited. Open with as little as $100.

Small Business Checking

If you have a small business or your transaction volume is low, this account may be right for you. Because you do not write a large number of checks, your costs are kept at a minimum. For a flat service charge of $10 per month, you can issue up to 200 checks/debits monthly; thereafter, a $0.15 per item charge is assessed. Open with as little as $100.

Business Money Management

If you maintain large balances and need an interest-bearing account to keep excess funds for liquidity and flexibility, this account is for you. You earn interest with no minimum balance to maintain, and interest is accrued on a Tiered Interest Rate Structure (Please contact a [Rayne State Bank] Call Center or Customer Service Representative to obtain current interest rate information on various maturities and to receive appropriate disclosure information on terms, fees, and interest rates.). Keep an average balance of $2,500 in your account and avoid paying a $10 monthly service charge. You are allowed 6 withdrawals per statement cycle effective July 2, 2009. Thereafter, a transaction fee of $10 is assessed per withdrawal. Open with as little as $100.

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