Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community bank, $1B to $10B

River City Bank

Sacramento, CaliforniaBankSan Francisco Fed districtFees collected Mar 17, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Monthly Maintenance Fee$0Below the typical range ($3–$10 nationally)

per month · Knox read a free fee from Rosetta artifact #5608. canonical_hint=monthly_maintenance; text_hash=f709a09a13da55acd9798c89bc2dbffa890211a42efba570b702018c40c20a11; excerpt="Monthly Maintenance Fee / No charge" · Source

Overdraft & NSFVerified

Overdraft: (Fee$30Within the typical range ($25–$31 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #5608. canonical_hint=overdraft; text_hash=f709a09a13da55acd9798c89bc2dbffa890211a42efba570b702018c40c20a11; excerpt="If RCB pays an item when your account does not have enough money in your Available Balance1 to cover a transaction. (Fee shown as Overdraft Fee) / $30" · Source

ATM & CardVerified

(Fee shown as Direct S/C – ATM Foreign WD Fee)$2.50Within the typical range ($1–$2.50 nationally)
$1 above the national median
per transaction · Knox deterministic extraction from Rosetta artifact #5608. canonical_hint=atm_non_network; text_hash=f709a09a13da55acd9798c89bc2dbffa890211a42efba570b702018c40c20a11; excerpt="(Fee shown as Direct S/C – ATM Foreign WD Fee) / $2.50 per withdrawal, inquiry or transfers at ATMs outside of the U.S., including foreign currency transactions performed in Puerto" · Source

Wire TransfersVerified

(Fee shown when charged as Incoming Wire Fee)$15Within the typical range ($5–$15 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #5608. canonical_hint=wire_domestic_incoming; text_hash=f709a09a13da55acd9798c89bc2dbffa890211a42efba570b702018c40c20a11; excerpt="(Fee shown when charged as Incoming Wire Fee) / $15 per wire" · Source
(Fee shown when charged as Int’l Wire Fee Out)$45Above the typical range ($20–$25 nationally)
$23 above the national median
Knox deterministic extraction from Rosetta artifact #5608. canonical_hint=wire_domestic_outgoing; text_hash=f709a09a13da55acd9798c89bc2dbffa890211a42efba570b702018c40c20a11; excerpt="(Fee shown when charged as Int’l Wire Fee Out) / $45 per wire" · Source
(Fee shown when charged as Wire Fee Out)$35Above the typical range ($20–$25 nationally)
$13 above the national median
Knox deterministic extraction from Rosetta artifact #5608. canonical_hint=wire_domestic_outgoing; text_hash=f709a09a13da55acd9798c89bc2dbffa890211a42efba570b702018c40c20a11; excerpt="(Fee shown when charged as Wire Fee Out) / $35 per wire" · Source
Int’l Wire Fee Out +$30Above the typical range ($20–$25 nationally)
$8 above the national median
Knox deterministic extraction from Rosetta artifact #5608. canonical_hint=wire_domestic_outgoing; text_hash=f709a09a13da55acd9798c89bc2dbffa890211a42efba570b702018c40c20a11; excerpt="The total fee for an Outgoing International Wire Transfer sent in foreign currency is $75. ($45 Int’l Wire Fee Out + $30 Wire FX Fee)" · Source
The total fee for an Outgoing International Wire Transfer sent in foreign currency is$75Above the typical range ($40–$50 nationally)
$25 above the national median
Knox deterministic extraction from Rosetta artifact #5608. canonical_hint=wire_intl_outgoing; text_hash=f709a09a13da55acd9798c89bc2dbffa890211a42efba570b702018c40c20a11; excerpt="The total fee for an Outgoing International Wire Transfer sent in foreign currency is $75. ($45 Int’l Wire Fee Out + $30 Wire FX Fee)" · Source

Check ServicesVerified

per check for non-RCB customer converting an RCB check into a cashier’s check to the same payee$20Above the typical range ($3–$6 nationally)
$15 above the national median
per item · Knox deterministic extraction from Rosetta artifact #5608. canonical_hint=cashiers_check; text_hash=f709a09a13da55acd9798c89bc2dbffa890211a42efba570b702018c40c20a11; excerpt="$20 per check for non-RCB customer converting an RCB check into a cashier’s check to the same payee" · Source

Digital & ElectronicVerified

for each check, automatic bill payment, ACH debit or recurring debit or similar transaction presented for payment agains$30Above the typical range ($0–$10 nationally)
$25.05 above the national median
Knox deterministic extraction from Rosetta artifact #5608. canonical_hint=bill_pay; text_hash=f709a09a13da55acd9798c89bc2dbffa890211a42efba570b702018c40c20a11; excerpt="$30 for each check, automatic bill payment, ACH debit or recurring debit or similar transaction presented for payment against your account." · Source

Account ServicesVerified

10” X 10”$150Above the typical range ($25–$75 nationally)
$107.50 above the national median
Knox deterministic extraction from Rosetta artifact #5608. canonical_hint=safe_deposit_box; text_hash=f709a09a13da55acd9798c89bc2dbffa890211a42efba570b702018c40c20a11; excerpt="10” X 10” $150.00" · Source
2” X 5”$40Within the typical range ($25–$75 nationally)
$2.50 below the national median
Knox deterministic extraction from Rosetta artifact #5608. canonical_hint=safe_deposit_box; text_hash=f709a09a13da55acd9798c89bc2dbffa890211a42efba570b702018c40c20a11; excerpt="2” X 5” $40.00" · Source
3” X 10”$80Above the typical range ($25–$75 nationally)
$37.50 above the national median
Knox deterministic extraction from Rosetta artifact #5608. canonical_hint=safe_deposit_box; text_hash=f709a09a13da55acd9798c89bc2dbffa890211a42efba570b702018c40c20a11; excerpt="3” X 10” $80.00" · Source
3” X 5”$50Within the typical range ($25–$75 nationally)
$7.50 above the national median
Knox deterministic extraction from Rosetta artifact #5608. canonical_hint=safe_deposit_box; text_hash=f709a09a13da55acd9798c89bc2dbffa890211a42efba570b702018c40c20a11; excerpt="3” X 5” $50.00" · Source
4” X 5”$60Within the typical range ($25–$75 nationally)
$17.50 above the national median
Knox deterministic extraction from Rosetta artifact #5608. canonical_hint=safe_deposit_box; text_hash=f709a09a13da55acd9798c89bc2dbffa890211a42efba570b702018c40c20a11; excerpt="4” X 5” $60.00" · Source
5” X 10”$90Above the typical range ($25–$75 nationally)
$47.50 above the national median
Knox deterministic extraction from Rosetta artifact #5608. canonical_hint=safe_deposit_box; text_hash=f709a09a13da55acd9798c89bc2dbffa890211a42efba570b702018c40c20a11; excerpt="5” X 10” $90.00" · Source
5” X 5”$70Within the typical range ($25–$75 nationally)
$27.50 above the national median
Knox deterministic extraction from Rosetta artifact #5608. canonical_hint=safe_deposit_box; text_hash=f709a09a13da55acd9798c89bc2dbffa890211a42efba570b702018c40c20a11; excerpt="5” X 5” $70.00" · Source
6” X 10”$100Above the typical range ($25–$75 nationally)
$57.50 above the national median
Knox deterministic extraction from Rosetta artifact #5608. canonical_hint=safe_deposit_box; text_hash=f709a09a13da55acd9798c89bc2dbffa890211a42efba570b702018c40c20a11; excerpt="6” X 10” $100.00" · Source
9” X 10”$140Above the typical range ($25–$75 nationally)
$97.50 above the national median
Knox deterministic extraction from Rosetta artifact #5608. canonical_hint=safe_deposit_box; text_hash=f709a09a13da55acd9798c89bc2dbffa890211a42efba570b702018c40c20a11; excerpt="9” X 10” $140.00" · Source
Elite Checking Account holders will receive a$40Within the typical range ($25–$75 nationally)
$2.50 below the national median
per year · Knox deterministic extraction from Rosetta artifact #5608. canonical_hint=safe_deposit_box; text_hash=f709a09a13da55acd9798c89bc2dbffa890211a42efba570b702018c40c20a11; excerpt="Elite Checking Account holders will receive a $40 discount on one annual safe deposit fee rental" · Source
per drilled Safe Deposit Box$125Above the typical range ($25–$75 nationally)
$82.50 above the national median
Knox deterministic extraction from Rosetta artifact #5608. canonical_hint=safe_deposit_box; text_hash=f709a09a13da55acd9798c89bc2dbffa890211a42efba570b702018c40c20a11; excerpt="$125 per drilled Safe Deposit Box" · Source
per legal order or the remaining funds available in the account after satisfying the Legal Process, if full fee is not a$150Above the typical range ($30–$125 nationally)
$75 above the national median
Knox deterministic extraction from Rosetta artifact #5608. canonical_hint=legal_process; text_hash=f709a09a13da55acd9798c89bc2dbffa890211a42efba570b702018c40c20a11; excerpt="$150 per legal order or the remaining funds available in the account after satisfying the Legal Process, if full $150 fee is not available." · Source
per replacement key$20Below the typical range ($25–$75 nationally)
$22.50 below the national median
Knox deterministic extraction from Rosetta artifact #5608. canonical_hint=safe_deposit_box; text_hash=f709a09a13da55acd9798c89bc2dbffa890211a42efba570b702018c40c20a11; excerpt="$20 per replacement key" · Source

Other FeesVerified

for each paper check sent via overnight delivery$30Within the typical range ($20–$40 nationally)
$2.25 above the national median
Knox deterministic extraction from Rosetta artifact #5608. canonical_hint=courier_delivery; text_hash=f709a09a13da55acd9798c89bc2dbffa890211a42efba570b702018c40c20a11; excerpt="$30.00 for each paper check sent via overnight delivery" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Monthly Maintenance Fee	$0Below the typical range ($3–$10 nationally)	$5.99 below the national median	per month	Knox read a free fee from Rosetta artifact #5608. canonical_hint=monthly_maintenance; text_hash=f709a09a13da55acd9798c89bc2dbffa890211a42efba570b702018c40c20a11; excerpt="Monthly Maintenance Fee / No charge"	Source
Overdraft & NSFVerified
Overdraft: (Fee	$30Within the typical range ($25–$31 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #5608. canonical_hint=overdraft; text_hash=f709a09a13da55acd9798c89bc2dbffa890211a42efba570b702018c40c20a11; excerpt="If RCB pays an item when your account does not have enough money in your Available Balance1 to cover a transaction. (Fee shown as Overdraft Fee) / $30"	Source
ATM & CardVerified
(Fee shown as Direct S/C – ATM Foreign WD Fee)	$2.50Within the typical range ($1–$2.50 nationally)	$1 above the national median	per transaction	Knox deterministic extraction from Rosetta artifact #5608. canonical_hint=atm_non_network; text_hash=f709a09a13da55acd9798c89bc2dbffa890211a42efba570b702018c40c20a11; excerpt="(Fee shown as Direct S/C – ATM Foreign WD Fee) / $2.50 per withdrawal, inquiry or transfers at ATMs outside of the U.S., including foreign currency transactions performed in Puerto"	Source
Wire TransfersVerified
(Fee shown when charged as Incoming Wire Fee)	$15Within the typical range ($5–$15 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #5608. canonical_hint=wire_domestic_incoming; text_hash=f709a09a13da55acd9798c89bc2dbffa890211a42efba570b702018c40c20a11; excerpt="(Fee shown when charged as Incoming Wire Fee) / $15 per wire"	Source
(Fee shown when charged as Int’l Wire Fee Out)
Check ServicesVerified
per check for non-RCB customer converting an RCB check into a cashier’s check to the same payee	$20Above the typical range ($3–$6 nationally)	$15 above the national median	per item	Knox deterministic extraction from Rosetta artifact #5608. canonical_hint=cashiers_check; text_hash=f709a09a13da55acd9798c89bc2dbffa890211a42efba570b702018c40c20a11; excerpt="$20 per check for non-RCB customer converting an RCB check into a cashier’s check to the same payee"	Source
Digital & ElectronicVerified
for each check, automatic bill payment, ACH debit or recurring debit or similar transaction presented for payment agains	$30Above the typical range ($0–$10 nationally)	$25.05 above the national median	—	Knox deterministic extraction from Rosetta artifact #5608. canonical_hint=bill_pay; text_hash=f709a09a13da55acd9798c89bc2dbffa890211a42efba570b702018c40c20a11; excerpt="$30 for each check, automatic bill payment, ACH debit or recurring debit or similar transaction presented for payment against your account."	Source
Account ServicesVerified
10” X 10”	$150Above the typical range ($25–$75 nationally)	$107.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #5608. canonical_hint=safe_deposit_box; text_hash=f709a09a13da55acd9798c89bc2dbffa890211a42efba570b702018c40c20a11; excerpt="10” X 10” $150.00"	Source
2” X 5”	$40
Other FeesVerified
for each paper check sent via overnight delivery	$30Within the typical range ($20–$40 nationally)	$2.25 above the national median	—	Knox deterministic extraction from Rosetta artifact #5608. canonical_hint=courier_delivery; text_hash=f709a09a13da55acd9798c89bc2dbffa890211a42efba570b702018c40c20a11; excerpt="$30.00 for each paper check sent via overnight delivery"	Source

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

Total fees: 24 — leaner than most institutions

Headline fees published

7 of 15

Published fees

Under review

Assets

$6.0B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$6.0B

Total deposits

$5.4B

Service charge income

$211K

Fee income ratio

0.53%

Return on assets

1.30%

Branches

Service charge income by quarter

Q2 2026$211K

Q1 2026$197K

Q4 2025$184K

Q3 2025$195K

Financial profile · Pro

Performance from regulator filings

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