Welcome to business ownership. It takes a lot of planning, creativity, organization and determination to START a business. And guts. Yeah, guts. So when you’re trying to launch this rocket, sail this ship, or ride the wave – we figured you’d need an account that rewards you for it and supports keeping fees easy to eliminate while you get rooted for growth.

When you maintain your average daily balance, plus opt in for an eStatement, you enter the qualifier stage to waive your service charge – every month. Get rewarded for your deposit relationship and loan accounts with us. The more you grow, the more you earn.

  • First debit card free
  • Online banking
  • Bill pay
  • Mobile banking app with check deposit
  • CardValet
  • Unlimited transactions and transfers

Don’t want the service charge? No problem:

Waive the service charge by earning up to $15 cash back every month*

  • Independent direct sales
  • Home businesses
  • Startups
  • Secondary operating accounts

Introducing the GREEN ZONE

Starting up a business and Richwood partnership can take time.
So take time – we offer the first six months free.

*Fees could reduce earnings. Minimum to open is $50.00. The account is not to be used for consumer purposes. During the Green Zone period, the service charge will be waived and you will not be eligible to earn the cash back rewards.