Checking, Savings and Money Market Accounts

We offer a deposit product to meet your needs.

If you’re with another institution, switch your Accounts to Rawlins National Bank anytime from anywhere. It’s quick and easy with our Switch Kit. If you would like more information, and would like to open an account in person, just stop by one of our convenient locations. You can also reorder checks anytime using using our secure Check Reorder Form.

Free Checking Account

Customers can enjoy Free Checking with no minimum balance.

  • $100 Minimum deposit to open.
  • No monthly service charges.
  • Non-interest bearing.
  • Unlimited deposits and withdrawals.
  • Free Online and Mobile Banking available.
  • E-Statements available.
  • No teller transaction fees.
  • E-Statements available.
  • RNB VISA Debit Card or ATM Card.
  • Overdraft Protection available with approval.

Personal Checking (Non-Interest Bearing ) Account

For customers with average balances and average check writing activity…

  • $100 Minimum deposit to open.
  • $500 Minimum balance required to avoid the imposition of a fee.
  • Non-interest bearing.
  • Unlimited deposits and withdrawals.
  • Free Online and Mobile Banking available..
  • E-Statements available.
  • No teller transaction fees.
  • RNB VISA Debit Card or ATM Card available.
  • Overdraft Protection available with approval.

Economy Checking

For customers with lower monthly balances and lower check writing activity…

  • $100 Minimum deposit to open.
  • Low $2.00 monthly service charge.
  • Low $0.30 per-check fee for each check in excess of five per statement cycle.
  • Non-interest bearing.
  • Unlimited deposits and withdrawals.
  • E-Statements available.
  • Free Online and Mobile Banking available.
  • RNB VISA Debit Card or ATM Card available.
  • Overdraft Protection available with approval.

Personal Interest-Bearing Checking Account

For customers with higher monthly balances and average check writing activity…

  • $100 Minimum deposit to open.
  • $500 Minimum balance required to avoid the imposition of a fee.
  • Interest bearing.
  • Unlimited deposits and withdrawals.
  • Free Online and Mobile Banking available.
  • E-Statements available.
  • No teller transaction fees.
  • RNB VISA Debit Card or ATM Card available.
  • Overdraft Protection available with approval.

Classic Checking

A packaged account offering a variety of products for a flat monthly fee.

  • $100 Minimum deposit to open.
  • $10 Monthly maintenance fee.
  • Interest bearing on a minimum balance of $1000.
  • Unlimited deposits and withdrawals.
  • Free Online and Mobile Banking available.
  • E-Statements available.
  • No teller transaction fees.
  • Half-price money orders and cashier checks.
  • Half-price on checks of your choice.
  • 25% discount on safe deposit boxes.
  • RNB VISA Debit Card or ATM Card available.
  • Overdraft Protection available with approval.

Heritage Club Checking

For distinguished customers with a minimum age of 50…

  • $100 Minimum deposit to open.
  • Interest bearing on a minimum balance of $1000.
  • Unlimited deposits and withdrawals.
  • Free Online and Mobile Banking available.
  • E-Statements available.
  • No teller transaction fees.
  • RNB VISA Debit Card or ATM Card available.
  • Overdraft Protection available with approval.

Personal Savings Account

For all customers with savings needs…

  • Enjoy high liquidity.
  • $100 Minimum deposit to open.
  • $200 Minimum balance required.
  • Up to six free withdrawals per statement period (unless done in person, by mail, or by ATM).
  • Unlimited deposits.
  • No teller transaction fees.

Looney Tunes Savings Account

For our distinguished customers under the age of 18…

  • Low $25 minimum deposit to open.
  • No monthly maintenance fee.
  • Up to six free withdrawals per statement period (unless done in person, by mail, or by ATM).
  • Unlimited deposits.
  • No teller transaction fees.

Heath Savings (HSA) Account

Designed to help save for future medical expenses…

  • $100 Minimum deposit to open.
  • $25 Account set-up fee, waived if you open another account or have existing accounts with us.
  • $100 Minimum balance required.
  • No monthly maintenance fee.
  • Up to six free withdrawals per statement period (unless done in person, by mail, or by ATM).
  • Unlimited deposits.
  • No teller transaction fees.
  • HSA VISA Debit Card available only $20.

Christmas Club Account

The Christmas Club is a 50 payment savings plan…

  • No minimum deposit to open.
  • No minimum balance required.
  • No monthly maintenance fee.
  • Free automatic transfer from your checking account.
  • One withdrawal at the end of the year for Christmas!
  • No teller transaction fees.

Personal Money Market Account

Choose a money market investment account to earn high interest while maintaining liquidity…

  • $1,000 Minimum deposit to open.
  • $1,000 Minimum balance required.
  • Interest bearing on a minimum balance of $1,000.
  • Up to six withdrawals per statement period (unless done in person, by mail, or by ATM).
  • Earn more interest based on higher balances!

We are required by Federal regulation to limit the number of withdrawals per month for Savings and Money Market accounts to 6 covered withdrawals. Covered withdrawals include checks or electronic funds transfers, and do NOT include withdrawals made in person at an RNB branch, by mail, by messenger, or at any ATM. If you make more than 6 covered withdrawals per month three times within the prior 12 months, we will ask you to either change your account type or close the account.