With RHB, Your Checking Account Means Business.

Business Analysis Checking is designed for business accounts with moderate to high account activity. Pricing is based on an analysis of monthly activity and a monthly service fee is assessed only if the cost of services provided exceeds the credit for balances allowance. The greater your average collected balance, the greater your credit to offset activity charges.

A monthly service fee of $8.00 will be imposed every statement cycle, and $0.15 is charged per each check, withdrawal, or debit paid; $0.08 is charged per each deposit; and $0.11 is charged per each deposit/credit item.

Negative average collected balances will be charged monthly at either a rate of ten (10) percent OR five (5) percent over the current Federal Reserve Discount Rate, whichever is greater.

The credit applied against monthly service fees is calculated by applying the U.S. Treasury Bill 90-day discount rate to your average collected balance (less reserves required by the Federal Reserve System). As a result, the credit allowance can significantly reduce or eliminate your service fee each month. Detailed statement with imaged checks is provided monthly. Minimum opening balance is $100.00.

An interest-bearing account that accrues daily and pays monthly while allowing the flexibility of easy access to your money, this account offers a tiered interest rate according to the daily collected balance as follows:

• $1,000.00 - $9,999.99
• $10,000.00 - $99,999.99
• $100,000.00 - $499,999.99
• $500,000.00 And Over

There is no monthly service fee on this account when you maintain a minimum daily balance of $1,000.00. Detailed statement with imaged checks provided monthly. Minimum deposit to open this account is $1,000.00.

TRANSACTION LIMITATIONS: Transfers and withdrawals made in person, by messenger, by mail or via ATM are unlimited; otherwise, you are limited to six transfers or withdrawals per statement cycle. A $10.00 service fee is assessed for each transaction in excess of this limitation.

A service fee of $10.00 will be imposed if the daily balance in the account falls below $1,000.00 any day of the statement cycle. No interest will accrue any day or days below the minimum balance.

Interest-Bearing Disclosure Statement:
For all RHB Interest-Bearing accounts, RiverHills Bank uses the daily collected balance method to calculate the interest on your account(s).

• Applies a daily periodic rate to the collected principal balance in the account each day; collected balance is balance less uncollected funds
• Earns a competitive interest rate
• Subject to interest rate change without notice at the bank’s discretion at any time

*Eligibility: Sole Proprietorships and Non-Profit Organizations.

When it comes to combining checking convenience and interest-earning power specifically designed for and available to sole proprietorships and non-profit organizations, this account is the ticket.

Simply maintain a daily balance of $10,000.00 or more every day of the statement cycle to avoid a service fee; if your daily balance falls below $10,000.00 any day during the statement cycle, there will be a service fee of just $0.25 for each check or other debit transaction. The period we use is a monthly statement cycle.

RiverHills Ultimate Business Checking earns interest based on your daily collected balance. The Variable Interest Rate Tiers are:

• $0.00 - $2,499.99
• $2,500.00 - $9,999.99
• $10,000.00 - $99,999.99
• $100,000.00 - $499,999.99
• $500,000.00 And Over

A minimum deposit of $100.00 is required to open this account. A detailed statement with imaged checks is provided monthly.

Interest-Bearing Disclosure Statement:
For all RHB Interest-Bearing accounts, RiverHills Bank uses the daily collected balance method to calculate the interest on your account(s).

• Applies a daily periodic rate to the collected principal balance in the account each day; collected balance is balance less uncollected funds
• Earns a competitive interest rate
• Subject to interest rate change without notice at the bank’s discretion at any time

Sole proprietorships, non-profit organizations and certain clubs may earn interest on this account. No monthly service fee on the minimum daily balance of $1,000.00 and over. A service fee of $0.15 is charged per each check, withdrawal, or debit paid; $0.08 is charged per each deposit; and $0.11 is charged per each deposit/credit item.

This account offers a tiered interest rate according to the daily collected balance as follows:

• $1,000.00 - $2,499.99
• $2,500.00 - $499,999.99
• $500,000.00 And Over

A service fee of $10.00 will be imposed if the daily balance in the account falls below $1,000.00 any day of the statement cycle. No interest will accrue any day or days below the minimum balance. Detailed statement with imaged checks provided monthly. Minimum deposit to open this account is $1,000.00.

Interest-Bearing Disclosure Statement:
For all RHB Interest-Bearing accounts, RiverHills Bank uses the daily collected balance method to calculate the interest on your account(s).

• Applies a daily periodic rate to the collected principal balance in the account each day; collected balance is balance less uncollected funds
• Earns a competitive interest rate
• Subject to interest rate change without notice at the bank’s discretion at any time

The RiverHills MasterMoney Debit BusinessCard is designed specifically to meet the needs of business owners. It’s an ATM card with the MasterCard® logo that’s linked to your RHB business checking account. Qualified customers can use it to get cash at an ATM or to make purchases more conveniently; the funds are automatically deducted from your business account. That means, unlike a credit card, there are no monthly payments or finance charges (unless you access an overdraft line of credit). It’s the right choice for buying office supplies, meals, business gifts, uniforms, inventory, office improvements—even business travel and more.

To report lost or stolen Debit/ATM cards, please call 1-800-500-1044 (AFTER HOURS ONLY). The Daily Transaction Limit count for ATM usage is 50, which includes balance inquiries and withdrawals. The Daily Transaction Limit count for Debit Card usage for point-of-sale pre-authorization transactions is 100, which includes both approved and declined transactions.

Keep Your RHB Debit BusinessCard(s) Safe with A Convenient Smartphone App.

There’s a great FREE tool available for your RiverHills MasterMoney Debit BusinessCard(s) that can significantly enhance security.

It’s called SecurLOCK EquIp, the smartphone app that gives your business complete control of your Debit BusinessCard(s). Turn them on or off immediately. Control where they may be used, and get usage alerts.

Simply download the SecurLOCK Equip app for free from the iPhone App Store or Google Play. Click here to learn more.

For lawyers participating in the State Bar Association IOLTA program, this account generates interest on lawyer’s escrowed checking account funds. Earned interest is aggregated and forwarded to the Mississippi State Bar Foundation IOLTA program.