17 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 16, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $7.50, the middle of its prices
Overdraft (OD)
NSF / Returned Item
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Kentucky, the St. Louis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Bring fees, filings and market context together.
Amounts from River City Bank, Inc.’s own schedules, with a source for each figure.
per year
per year
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Premium Advantage Checking Service charge | $10 | per month | None |
| Service charge | $5 | per month | None |
| Account Record Research Fee; Per item charge (checks, statements, etc.) | $5 | per item | None |
| Account Record Research Fee; research charge | $40Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Overdraft Item Charge | $28 | Not stated | None |
| Return Item Charge | $28 | Not stated | None |
| Daily Overdraft Charge (Checking Accounts Only); If your account is overdrawn for 4 | $5 | per day | None |
ATM & Card | |||
| ATM Service Charge (transactions not at River City Bank or Affiliates) | $1.50 | Not stated | None |
| ATM/Debit Card Replacement Fee | $12 | Not stated | None |
| ATM/Debit Card -International | 1% | Not stated | None |
Wire Transfers | |||
| Wire Transfer Fee Outgoing-Domestic (Customer Only) | $20 | Not stated | None |
| Wire Transfer Fee Incoming- (Customer Only) | $10 | Not stated | None |
| Wire Transfer Fee Outgoing- International (Customer Only) | $50 | Not stated | None |
Check Services | |||
| Cashier's Check - (Customer Only) | $2 | Not stated | None |
| Stop Payment Charge (if amount, payee and check number given) | $30 | Not stated | None |
| Stop Payment Charge (incomplete information) | $50 | Not stated | None |
| Counter Check Fee (Per Printed Page) | $1 | Not stated | None |
Digital & Electronic | |||
| Online Banking and Bill Payment | No charge | Not stated | None |
Cash & Deposit | |||
| Chargeback Fee | $7 | Not stated | None |
Account Services | |||
| Notary Service- (Customer Only) | No charge | Not stated | None |
| Safe Deposit Box Rental Fee (annually) LARGE | $40 | per year | None |
| Safe Deposit Box Rental Fee (annually) SMALL | $25 | per year | None |
| Safe Deposit Box/Self-Storage Box Late Charge-15 Days late | $25Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box/Self-Storage Box; Drill and replace lock | $200Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box/Self-Storage Box; Lost Key Fee (1) | $15Not compared: Box drilling or key fee | Not stated | None |
| Self-Storage Box Rental Fee 10x10 (annually)-Middletown & Jeffersonville Locations | $75 | per year | None |
| Self-Storage Box Rental Fee 3x10 (annually)-Middletown & Jeffersonville Locations | $25 | per year | None |
| Self-Storage Box Rental Fee 5x10 (annually)-Middletown & Jeffersonville Locations | $40 | per year | None |
Oct 16, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
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