The Rockhold, Brown & Co. Bank
   
  BAINBRIDGE OFFICE: (740) 634-2331  ADDRESS +           HILLSBORO OFFICE (937) 402-2040  ADDRESS +  
The Rockhold, Brown & Co. Bank
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Call 740-634-2331 option 3 for assistance
  • CD
    RATES
  • AUTO
    RATES
  • HOME
    RATES
TERM RATE ANNUAL
PERCENTAGE
YIELD
60 Month 1.50% 1.50%
48 Month 1.15% 1.15%
36 Month 0.70% 0.70%
24 Month 0.55% 0.55%
12 Month 0.20% 0.20%
For a complete listing of
CD rates, click here.

Member FDIC
Low auto loan rates
and as little as
ZERO
money down for qualifying borrowers!
Call 740-634-2331 menu option 4 for more information.
Home loan rates may change daily. The Rockhold, Brown & Co. Bank is very competitive with its Home loan rates. Please call 740-634-2331 extension 127 (Tonya) or extension 114 (Jeff) for our current offerings.
Equal Housing LenderClick here for more information on the
types of Home Loans
that Rockhold offers.
 
 

Deposit Products

PERSONAL CHECKING \ BUSINESS CHECKING \ CDs \ STATEMENT SAVINGS \ MONEY MARKET SAVINGS \ CHRISTMAS CLUB

 

 

Personal Checking

Minimal Deposit to Open

A deposit of $100.00 is required to open a Personal Checking Account.

Low or No Monthly Fee

Maintain a $500.00 balance for the entire month and pay no monthly maintenance fee. Low monthly fee of $5.00 if account falls below $500.00 at any point during the statement cycle.

Free Online Account Access & Bill Pay

You will have free access to our convenient 24/7 Online Banking Platform. 

Debit or ATM Card Account Access

Access to Thousands of Surcharge Free ATMs

Eligible for Overdraft Privilege

If you have a checking account with The Rockhold, Brown & Co. Bank you may be eligible for the Bank’s Overdraft Privilege service1. Having Overdraft Privilege means that should you inadvertently overdraw your account the Bank has the discretion to cover your overdrafts up to a limit established by The Rockhold, Brown & Co. Bank after first subtracting the amount of the overdraft fee(s) as outlined in the Discretionary Overdraft Privilege Policy2. When your items are paid, this service will help save you the embarrassment and inconvenience of a returned item as well as the fee normally charged to you by merchants for items returned to them. The amount of Discretionary Overdraft Privilege will not be shown in your available balance, but is available for checks, ACH and Over-the-Counter transactions. This service is not automatically available on debit or ATM card transactions. In order to have access to the Overdraft Privilege service on your debit or ATM card, please print and return the Overdraft Opt-In Form below. You may mail the form to The Rockhold, Brown & Co. Bank, Attn: Bookkeeping PO Box 506 Bainbridge, Ohio 45612.

Overdraft Opt-In Form

Eligible for Overdraft Transfer Protection

If you have a savings and a checking with the bank, you may “tie” the two accounts to protect yourself against overdrafts. Click here for an example of how this works.

Overdraft Transfer Protection PDF

NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit: http://www.fdic.gov/deposit/deposits/unlimited/expiration.html

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Business Checking

Minimal Deposit to Open

A deposit of $300.00 is required to open a Business Checking Account. 

Low or No Monthly Fee

Maintain a $5,000.00 balance for the entire month and pay no monthly maintenance fee.  Low monthly fee of $8.00 if account falls below $5,000.00 at any point during the statement cycle.

Free Online Account Access & Bill Pay

You will have free access to our convenient 24/7 Online Banking Platform. 

Debit or ATM Card Account Access

Access to Thousands of Surcharge Free ATMs

Eligible for Overdraft Privilege

If you have a checking account with The Rockhold, Brown & Co. Bank you may be eligible for the Bank’s Overdraft Privilege service1. Having Overdraft Privilege means that should you inadvertently overdraw your account the Bank has the discretion to cover your overdrafts up to a limit established by The Rockhold, Brown & Co. Bank after first subtracting the amount of the overdraft fee(s) as outlined in the Discretionary Overdraft Privilege Policy2. When your items are paid, this service will help save you the embarrassment and inconvenience of a returned item as well as the fee normally charged to you by merchants for items returned to them. The amount of Discretionary Overdraft Privilege will not be shown in your available balance, but is available for checks, ACH, Over-the-Counter transactions, debit card and ATM transactions.

Eligible for Overdraft Transfer Protection

If you have a savings and a checking with the bank, you may “tie” the two accounts to protect yourself against overdrafts. Click here for an example of how this works.

Overdraft Transfer Protection PDF

NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit: http://www.fdic.gov/deposit/deposits/unlimited/expiration.html

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CDs

The Rockhold, Brown & Co. Bank offers a wide selection of different CD terms to fit your needs.

CD RATE CHART
TERM MINIMUM
TO OPEN
INTEREST
RATE
ANNUAL
PERCENTAGE YIELD
INTEREST
PAID AT...
4 Month $1,000.00 0.05% 0.05% Term End
7 Month $1,000.00 0.10% 0.10% Term End
11 Month $1,000.00 0.15% 0.15% Term End
12 Month $1,000.00 0.20% 0.20% Month End
18 Month $1,000.00 0.30% 0.30% Month End
24 Month $1,000.00 0.55% 0.55% Month End
27 Month $1,000.00 0.60% 0.60% Month End
30 Month $1,000.00 0.65% 0.65% Month End
33 Month $1,000.00 0.65% 0.65% Month End
36 Month $1,000.00 0.70% 0.70% Month End
45 Month $1,000.00 0.90% 0.90% Month End
48 Month $1,000.00 1.15% 1.15% Month End
57 Month $1,000.00 1.25% 1.25% Month End
60 Month $1,000.00 1.50% 1.50% Month End
RATE JUMP CDs
36 Month $1,000.00 N/A N/A N/A
48 Month $1,000.00 N/A N/A N/A
60 Month $1,000.00 N/A N/A N/A
Substantial Penalties apply for early withdrawal.  Rate Jump CDs are a variable rate product3.

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Statement Savings

Minimal Deposit to Open

A deposit of $100.00 is required to open a Statement Savings Account.

Very Competitive Interest Rates

Call our Main Office at 740-634-2331 menu option 3, or our Rocky Fork Office at 937-402-2040 for current rates.

Low or No Monthly Fee

Maintain a $100.00 balance for the entire month and pay no monthly maintenance fee. Low monthly fee of $4.00 if account falls below $100.00 at any point during the statement cycle.

Free Online Account Access

You will have free access to our convenient 24/7 Online Banking Platform. 

ATM Card Account Access

Access to Thousands of Surcharge Free ATMs

Eligible for Overdraft Transfer Protection

If you have a savings and a checking with the bank, you may “tie” the two accounts to protect your Checking Account against overdrafts.  Click here for an example of how this works.

Overdraft Transfer Protection PDF

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Money Market Savings

Minimal Deposit to Open

A deposit of $1,000.00 is required to open a Money Market Savings Account.

Very Competitive Interest Rates

Call our Main Office at 740-634-2331 menu option 3, or our Rocky Fork Office at 937-402-2040 for current rates.

Low or No Monthly Fee

Maintain a $1,000.00 balance for the entire month and pay no monthly maintenance fee. Low monthly fee of $10.00 if account falls below $1,000.00 at any point during the statement cycle.

Free Online Account Access

You will have free access to our convenient 24/7 Online Banking Platform.

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Christmas Club - NEW 4

The Rockhold, Brown & Co. Bank’s Christmas Club account is set up to allow our customers to save for the ever increasing expense of the holidays.

Minimal Deposit to Open*

A deposit of only $25.00 is required to open a Christmas Club Savings Account. Make deposits at any time up to a maximum of $5,000.00 (excluding accrued interest).

*Commercial customers are ineligible for Christmas Club Savings Accounts

Very Competitive Interest Rates

Customers earn a higher interest rate than they would earn with our standard savings accounts. Call our Main Office at 740-634-2331 menu option 3, or our Rocky Fork Office at 937-402-2040 for current rates.

No Monthly Maintenance Fee

Free Online Account Access

You will have free access to our convenient 24/7 Online Banking Platform.

Expect a Check Just in Time for the Holidays

Christmas Club checks are mailed in the first week of November.

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1 The following are the criteria a checking account must meet to become eligible for Overdraft Privilege:

  • Customer may not be delinquent on any loans with The Rockhold, Brown & Co. Bank or have charged off deposit accounts
  • Account must be open for at least 30 days
  • Customer are not eligible if they’ve had a bankruptcy in the last 7 years, or if they have outstanding levies or garnishments
  • Account must have a positive balance before it will be eligible
  • None of the account owners may be a minor (under 18)
  • No individuals excluded by Reg. O policy are eligible

Overdraft Privilege is not a line of credit.  Should an overdraft occur, your account will be charged the standard Overdraft fee for handling each item that is paid by the discretionary overdraft privilege. This may be a different fee than The Rockhold, Brown & Co. Bank charges for items drawn against insufficient funds (NSF) and returned to the payee. If multiple items are presented against your account on the same day, each item will be assessed either the Overdraft or NSF fee depending upon whether the item is paid or returned. Please take a moment to review the Discretionary Overdraft Privilege Disclosure that follows this notice.

Please be aware that this notice does not constitute either a written agreement of an obligation or a prearranged agreement for The Rockhold Brown & Co. Bank to pay your overdrafts and we may withdraw this privilege at any time. Payment of any overdrafts will continue to be at the discretion of The Rockhold Brown & Co. Bank and payment of an overdraft does not obligate us or create an agreement or course of dealing on our part to allow overdrafts on any occasion.

If you have any questions regarding this or wish to opt out of this service, please contact Sarah Blazer at 937-402-2040 or Toll Free at 866-519-3141.

2 The Rockhold, Brown & Co. Bank

Discretionary Overdraft Privilege Policy

It is the policy of The Rockhold, Brown & Co. Bank to comply with all applicable laws and regulations and to conduct business in accordance with applicable safety and soundness standards.

The Deposit Account Agreement and Disclosure provided to you at the time you opened your account with us controls the duties, obligations and rights of the Depositor, the Authorized Signatories and The Rockhold, Brown & Co. Bank with regard to your checking account.  The Deposit Account Agreement (and all amendments thereto) and its terms shall control any possible conflict, if any, between any provision of this Discretionary Overdraft Privilege Policy and the Deposit Account Agreement and Disclosure.  A copy of the Deposit Account Agreement and Disclosure is available to you on request.

Overdraft privilege is not a line of credit.  However, if you inadvertently overdraw your account, we will have the discretion to pay the overdraft, subject to the limit of your overdraft privilege and the amount of the overdraft fee.  The Rockhold, Brown & Co. Bank is not obligated to pay any item presented for payment if your account does not contain sufficient available funds.  Any discretionary payment by The Rockhold, Brown & Co. Bank of an overdraft check (or items, such as ATM withdrawals) does not obligate The Rockhold, Brown & Co. Bank to pay any other overdraft check (or item), or to provide prior notice of its decision to refuse to pay such check (or item).

Pursuant to The Rockhold, Brown & Co. Bank’s commitment to always provide you with the best level of service, now and in the future, if your consumer account (primarily used for personal and household purposes) or commercial account has been open for at least thirty (30) days, and thereafter you maintain your account in good standing, which includes at least:

A) Bringing your account balance to a positive balance within every thirty (30) day period for a minimum period of 24 hours;
B) Not being in default on any loan or other obligation to The Rockhold, Brown & Co. Bank and
C) Not being subject to any legal or administrative order or levy

The Rockhold, Brown & Co. Bank will have the discretion to pay overdrafts within the overdraft privilege limits, but payment by The Rockhold, Brown & Co. Bank is a discretionary courtesy and not a right of the customer or an obligation of The Rockhold, Brown & Co. Bank.  This privilege for consumer checking accounts and for commercial checking accounts will generally be limited to a maximum of $500 overdraft (negative) balance.  Of course, any and all fees and charges, including without limitation the non-sufficient funds fees (as set forth in our fee schedules and deposit account agreement and disclosure), will be included as part of this maximum amount.

The total of the discretionary overdraft privilege (negative) balance, including any and all fees and charges, including all non-sufficient funds/overdraft fees is due and payable upon demand, and Depositor and each Authorized Signatory will continue to be liable, jointly and severally, for all such amounts, as described in the Deposit Account Agreement and Disclosure with a maximum repayment period of 30 days.

Again, while The Rockhold, Brown & Co. Bank will have the discretion to pay overdrafts on accounts in good standing (as described above), any such payment is a discretionary courtesy, and not a right of the customer or an obligation of The Rockhold, Brown & Co. Bank and The Rockhold, Brown & Co. Bank in its sole and absolute discretion, can cease paying overdrafts at any time without prior notice of reason or cause.  June 2012.

3 You may change your rate only ONCE, at any time during the term of a Rate Jump CD account.  Upon our receipt of an "Authorization to Increase Interest Rate on Rate Jump CD" properly signed by you, the interest rate and annual percentage yield on this account will increase to the interest rate and annual percentage yield being offered by us on the date of receipt of the "Authorization to Increase Interest Rate on Rate Jump CD," for a regular 36/48/60 month term (term must match original Rate Jump CD term) certificate (excluding Rate Jump certificates and special offers), provided, however, that the maximum increase in the interest rate is 2.00%. The interest rate and annual percentage yield of a regular 36/48/60 month term (term must match original Rate Jump CD term) certificate on any given date will be those that are posted that date on the rate board in our main office in Bainbridge, Ohio.  In order to make this election, the "Authorization to Increase Rate of Rate Jump CD" MUST BE SIGNED by any one of the owners or authorized signers (if given adequate authority in the appropriate business resolution) of this account and the original "Authorization to Increase Rate of Rate Jump CD" with authorized signature(s) must be received by us at any of our Bainbridge, Ohio or Hillsboro, Ohio locations. The rate change will take effect within 3 banking days from the date of our receipt of such original "Authorization to Increase Rate of Rate Jump CD."

4 Christmas Club Interest Handling/Statements/Early Withdrawals/Bank Closure:  Christmas Club accounts accrue interest for the entire year per the rates disclosed elsewhere in your account opening disclosures.  Accrued interest on Christmas Club accounts posts on October 31st of each year.  On October 31st the full balance in the account, plus accrued interest, will be mailed to the account owner(s) to the address on the account in the form of a check.

Statements for Christmas Club accounts will be sent only once per year as of October 31st, unless otherwise required by regulation.

Any withdrawals of the principal balance in the Christmas Club account before the October 31st check issuance will result in a forfeiture of interest on the amount withdrawn plus a $15.00 early withdrawal penalty (per early withdrawal). Early withdrawals will only be permitted for over-the-counter transactions.  No electronic withdrawals (ACH) will be permitted on a Christmas Club account.  Any electronic withdrawals that are attempted will incur the "Nonsufficient Funds" Fee of $32.00 per item.  Christmas Club accounts are NOT eligible to receive an ATM or Debit card.

After the October 31st check issuance the Christmas Club account will be taken to a zero balance.  The account will not be closed at this time.  Deposits may be made at any time.  If there are no deposits made, the account will remain open, with no fees, until January 31st of the following calendar year.  If there have been no deposits by January 31st the account may be closed.

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