Business Checking Disclosure



River Falls State Bank
124 S. Second Street
P.O. Box 89
River Falls, WI 54022
715 425 6782


Credit offset - This account features an earnings credit which is applied to reduce or eliminate fees on the account. If the earnings credit exceeds the fees for any period, you will be assessed no fees but you will not be paid, carry forward, or otherwise receive credit for any excess earnings credit.

The earnings credit will be set at 3 points below the Prime Rate.  At any time and at our discretion, the periodic earnings credit rate may change.

You do not need to maintain any minimum average daily balance during the monthly statement cycle in order to receive the credit.

Earnings credit begins to accrue on the business day you deposit noncash items (for example, checks).

Deposit limitations - You may make an unlimited number of deposits into your account.

Fees & Charges - The following fees and charges apply to this account:

  •   $5.00  service charge per month
  • $0.17 for every check/debit on your statement
  • $0.07 for checks deposited into your account
  • $3.00 per check service charge for checks returned by another bank  The combined total of the three fees shown above will be assessed as "Service Charge" on your monthly statement.

Please balance your statement within 10 days of receiving it. In the event of an error bring it to our attention immediately by contacting our bookkeeping department.

Please notify us if checks are lost or stolen. A stop payment order is $25.00. Your stop payment is good for 6 months and must be signed within 14 business days from the date the request was made.

In the event your account becomes overdrawn, your checks may be returned.  A $26.00 overdraft/nsf charge per item may be assessed with a daily maximum of $104.00.

Frequent overdrafts will result in a checking account being closed.

Deposits made after 3:00 p.m. will be credited to your account by the close of the next business day.

For all other service charges and fees please click here for Fees & Service Charges.

* In compliance with Truth In Savings Regulations