Affordable Business Operations Services

Our affordable Business Operations Services save you time and money. Want more time with your employees and customers? How about less stress and headaches from paperwork? Richwood Bank gives you all this and more, at a cost you can afford.

Marketing Services

By focusing on what makes your business unique, staying relevant identifying opportunities and then taking action – we push our local businesses into the next level of results and increase the bottom line.


  • Social media services
  • Websites
  • Consulting
  • Content creation
  • Events
  • Traditional services
  • Design services
  • Digital solutions

Payroll Management Services

Get complete, customized payroll processing, including tax preparation and payment, with full personalized reports for your records. Our team becomes the accounting extension your business needs. It’s seamless, customized and easy.


  • Payroll preparation
  • Payroll taxes, reconciliations and payments
  • Transparent and customized reporting
  • Payroll delivery
  • HR benefit monitoring
  • 401k and/or mutual fund deductions and contributions
  • Garnishments

Credit Card Merchant Services

Make it easy for your customers to do business with you. Richwood Bank provides your business with the power to process debit and credit cards, so your customers can pay the way they want.


  • Accept and process Visa, MasterCard, Discover, and American Express payments
  • Increase cash flow and customer convenience
  • Quick and convenient processing options
  • Detailed monthly transaction statement
  • Competitive discount rates
  • Accept gift and loyalty cards
  • 24-hour help desk
  • Check guarantee and conversion
  • State of the art software programs and electronic terminals and printers

Digital Deposit

Take back your valuable time with this simple service that makes daily bank runs a thing of the past. With Digital Deposit, you just scan checks and send them to us electronically, and then we credit your account. It’s that easy!


  • Deposit funds electronically
  • Make deposits anytime
  • Expedite company cash flow
  • Funds credited sooner
  • Consolidate funds from multiple locations

Postive Pay

  • Cut costly courier fees or trips to the bank
  • Save time preparing deposits
  • Reduce risk of check fraud
  • Multiple layers of security
  • Offer both lease and purchase options

Positive Pay helps in creating, transmitting and researching check records that you send to the bank, in doing this it serves as an anti-fraud measure. When you issue a check you create a data file with a few specific details, which you then send to us electronically. You then review the report and decide whether the check is to be paid or rejected. This reduces the risk of altered checks and counterfeit check fraud.


  • Gain more control over payments of checks
  • Reduce losses from check fraud
  • Timely notification of suspicious items
  • Convenient and extensive reports



When receiving payments is a regular part of your business, there’s a lot of paperwork (and hassle) that you’re dealing with. Retail Lockbox services will help fast-track the collection of your receivables while saving you time. A post office box will be established and incoming payments will automatically be deposited into your business account. The invoices will then be returned to you through an established process. It’s that easy!

  • No need to post payments or prepare deposits
  • Payments sent directly to dedicated post office box
  • Automatic deposit into your account
  • Same-day processing
  • Process your receivable more efficiently

Save time and money. Contact us to learn more about our Business Solutions!