RCB Bank Review: Local Banking for Your Personal and Professional Needs
Written by
Caitlyn Moorhead
Edited by
Joe Evans
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RCB Bank delivers personalized banking with a strong community focus and top-notch customer service.
RCB Bank is best for those living in the Oklahoma or Kansas regions who want to build a solid banking relationship within their community. All deposit bank accounts are FDIC-insured, and there are excellent in-person and online banking benefits.
RCB Bank is a regional bank serving customers primarily in Oklahoma and Kansas through a network of local branches. The bank emphasizes relationship banking, community involvement and accessible in-person service rather than competing on the highest deposit rates.
This review breaks down RCB Bank’s checking, savings, money market and CD offerings, who the bank is best suited for and where it may fall short for yield-focused savers.
RCB Bank at a Glance
| Category | Details |
|---|---|
| Founded | 1936 |
| Headquarters | Oklahoma |
| Branch footprint | Oklahoma and Kansas |
| Banking model | Community/regional bank |
| Deposit insurance | FDIC |
RCB Bank Checking Accounts
No matter what you’re looking for, RCB probably has a checking account that covers your needs. Here are some features of the checking options to help you navigate which would best suit your needs.
- RCB offers several checking options, including a checking account for kids.
- My Easy Checking account is the basic option with no overdraft fees and free bill pay.
- The my Advantage Checking account earns interest when you complete the following: use your debit card 20 times, make at least one ACH deposit and enroll in eStatements.
- The my Advantage Checking account stands out because you can earn interest, and by meeting the required balance during each statement cycle, you can qualify for the premium rate.
Best For
Banking in Oklahoma
Mobile App
Low Monthly Fees
Loan Options
Low Minimum Deposits
Earn Interest With a $100 Opening Deposit
RCB Bank offers a variety of checking options, including my Advantage Checking, which rewards you with interest if you meet certain requirements like using your debit card 20 times and making one ACH deposit. With a $100 minimum opening deposit, this account is perfect for those who want both simplicity and rewards.
Fees
$5 to $10 monthly
APY
Up to
Min Opening
$100
Pros
- Tap to pay debit card provided
- Up to two boxes of free custom checks per year
- Money management tools to help you navigate your finances
Cons
- $10 monthly fee for my Advantage Checking if you don’t meet the daily balance requirement of $2,500
- $2.50 monthly fee for paper statements
Quick Take
RCB Bank has a checking account to match every lifestyle and money management tools to help you plan your financial decisions.
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RCB Bank Savings Accounts
The savings options at RCB Bank are pretty straightforward. Here are some key takeaways:
- RCB Bank has a standard option and a Kids’ Savings account.
- There is also a health savings account, which is good to consider for long-term healthcare costs.
- There are no high-yield savings options at RCB so your money might grow faster elsewhere.
Best For
Banking in Oklahoma
Mobile App
Low Monthly Fees
Loan Options
Low Minimum Deposits
No Fees With a $25 Balance
RCB Bank offers a straightforward savings account with a $100 minimum opening deposit. While it has no high-yield options, it provides easy access with a $25 minimum balance to avoid fees.
Fees
$5 a quarter
APY
Min Opening
$100
Pros
- $0 quarterly service charge if your daily balance is $25 or more throughout the cycle
- Minimum opening deposit is only $100
Cons
- While it’s easy to avoid the service fee, you need at least $100 in the account to receive interest
- There is a $10 fee for each withdrawal or debit after the first nine free withdrawals per quarter
- No high-yield savings option
Quick Take
The RCB Bank Savings account is a safe option for starting to save today. However, it offers lower earnings compared to other savings products.
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RCB Bank CD Accounts
If you’re saving for a specific goal, a certificate of deposit may be the ideal option for you. Here’s what you need to know about opening a CD at RCB:
- RCB offers fixed-rate CDs with terms ranging from 30 days to five years.Â
- They also offer an 18-month variable CD.
- You can open a 25-month pop-up rate CD, allowing for a rate adjustment during the term.
- Interest is compounded and credited monthly.
Best For
Banking in Oklahoma
Mobile App
Low Monthly Fees
Loan Options
Low Minimum Deposits
Flexible CD Options
RCB Bank offers a variety of fixed-rate and variable-rate CD options with terms ranging from 30 days to five years. Interest is compounded monthly, with different payment options available.
Fees
Early withdrawal fees may apply
APY
Up to
Min Opening
$1,000
Pros
- Choose from a range of term lengths to match your savings goals
- Interest payment options are available, giving you control over how you receive your earnings
- Fixed-rate CDs offer consistent rates throughout the term
- With pop-up rate CDs, you can adjust the rate once during the term
Cons
- The highest APY is offered on the 182-day CD term
- Rates are competitive for the region but are lower than other online banking options
- The interest rate on the variable-rate CD may change after opening
Quick Take
RCB offers a wide range of CD rates and term options, but the highest rates are available only for specific term lengths.
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RCB Bank Money Market Accounts
With RCB Bank’s my Money Market account, you get a savings account that can earn more depending on the balance you hold. Here are some key points to know:Â
- The account has a tiered interest rate, which allows you to grow your money faster.Â
- Unlike a CD, an MMA still gives you access to your funds, so you don’t have to worry about early withdrawal penalties.Â
- This account includes a debit card.
- Come with money management tools.
Best For
Banking in Oklahoma
Mobile App
Low Monthly Fees
Loan Options
Low Minimum Deposits
Earn More With a Tiered Interest Rate
RCB Bank’s my Money Market account lets you earn more as you save, with a tiered interest rate. Access your funds anytime without penalties, and enjoy the included tools for managing your finances.
Fees
$10 waivable monthly fee
APY
Up to
Min Opening
$2,500
Pros
- Tap to pay debit card included
- Access to RCB’s money management tools and fraud alerts
- Electronic statements are free
Cons
- $10 monthly service charge if you don’t maintain a daily balance of $2,500
- Highest rate is for balances of $100,000 or more
Quick Take
RCB Bank’s MMA is a great option to start both saving and managing your money in a more intentional way.
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Banking Experience
For a smaller community-focused financial institution, RCB Bank embraces technology. It offers a user-friendly mobile app and an intuitive online banking platform. The mobile app is rated highly with 4.8 stars out of 5 on Google Play. However, the features may be more aligned with Android users rather than iPhone users, as the app is rated 2.5 out of 5 stars on the App Store.Â
RCB Bank prides itself on supporting local businesses and actively participating in community events. Sometimes, it’s beneficial to bank with an institution where you have a personal connection and know who you’re working with.
Who RCB Bank Is Best For
Best Fit
- Customers who value local branches and in-person support
- Households managing checking, savings and loans at one bank
- Small businesses seeking relationship-driven banking
Less Ideal
- Rate-focused savers chasing top APYs
- Digital-first users comfortable with online-only banks
- Large idle balances seeking aggressive yield growth
Comparable Bank Options
Whether you choose your next bank account based on convenience, APYs or wanting to stay more local, it’s always a good idea to compare a few. Here are some leading competitors to consider.Â
SELECTED BANK
MOST COMPARABLE
MOST COMPARABLE
Fees
Fees
Fees
$5 to $10 monthly
$0 or $15, with options to waive
$0 to $25 monthly
APY
APY
APY
Up to
N/A
on Premier Checking
Min Opening
Min Opening
Min Opening
$100
$0
$15 to $50
SELECTED BANK
MOST COMPARABLE
MOST COMPARABLE
Fees
Fees
Fees
$5 a quarter
$5 monthly, waivable
$0 to $5 monthly
APY
APY
APY
on Personal Savings
Min Opening
Min Opening
Min Opening
$100
$0
$5 to $50
SELECTED BANK
MOST COMPARABLE
MOST COMPARABLE
Fees
Fees
Fees
Early withdrawal fees may apply
No monthly service fee
No monthly service fee
APY
APY
APY
Up to
Up to
Up to
Min Opening
Min Opening
Min Opening
$1,000
$1,000
$1,000 to $5,000
RCB Bank vs. Bank of Oklahoma
BOKF operates in several states and provides a wide variety of banking products to its customers. They also offer a robust digital banking experience for the utmost convenience. GOBankingRates awarded it Gold for Best Bank in Oklahoma for 2025. Both BOKF and RCB Bank only have one savings option and a variety of checking accounts.Â
RCB Bank vs. Chase Bank
With a vast network of over 4,700 branches and 15,000 ATMs, you might have a bit more banking convenience both in and outside of Oklahoma with Chase. However, as a big bank, you could lose some of the customized customer service.Â
Chase has eight checking options for different types of clients and often offers promotions or sign-up bonuses for opening a new account. Because of all these features and more, GOBankingRates gave it the bronze award for the Best Bank in Oklahoma for 2025.
RCB Bank vs. Arvest Bank
Arvest Bank is another major player in Oklahoma, known for its strong personal and business banking services, including credit cards, home loans and investments. With Arvest’s online services, you can simplify your banking while enjoying perks like credit card rewards and special CD rates, making it a strong competitor to RCB Bank.
Overall Banking Experience
RCB Bank delivers a traditional community banking experience centered on personal service and local decision-making. Its digital tools support everyday banking needs, but the bank’s primary strength remains its regional presence and customer relationships.
Final Take to GO
RCB Bank is a solid option for customers who prioritize local service, branch access and relationship banking. While its savings, money market and CD rates typically trail higher-yield options, the trade-off is personalized support and a familiar regional banking experience.
For savers focused primarily on maximizing interest, RCB Bank may not be the best fit. For customers who want dependable, in-person banking, it remains a reliable choice.
RCB Bank FAQ
Here are the answers to some of the most frequently asked questions about RCB Bank.- Is RCB Bank FDIC-insured?
- Yes. Deposits are insured by the FDIC up to applicable limits.
- Does RCB Bank offer high-yield savings accounts?
- No. Savings and money market rates are generally conservative and designed for stability rather than yield leadership.
- Are RCB Bank CDs competitive?
- CDs can provide predictable returns, but rates are usually lower than top national offerings.
- Is RCB Bank good for everyday checking?
- Yes, particularly for customers who value local branches and customer support.
- Who should consider banking elsewhere?
- Savers focused on maximizing APYs or managing money entirely online may prefer other options.
Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.
Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Jan. 5, 2026.
