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Personal Financial Solutions


Whether you’re looking to earn a terrific interest rate or saving for a rainy day, Two Rivers Bank offers a variety of personal financial solutions to meet your needs. Contact one of our deposit professionals to determine which account is right for you.


Kasasa Cash®

  • No monthly service charge or minimum balance
  • Earn a terrific interest rate and nationwide ATM fee refunds up to $20 per qualification cycle when simple qualifications are met:
    • Have at least 12 Visa® Debit Card transactions post and settle per monthly qualification cycle
    • Be enrolled & receive monthly eStatement notice
    • Have at least one direct deposit or one automatic payment (ACH) post and settle your account per monthly qualification cycle
  • If qualifications are not met, a base rate of interest is still earned
  • Can be linked to high-interest Kasasa Saver® account
  • Limit one account per social security number; available for personal accounts only

Basic Balance

  • Free Visa® Debit/ATM Card available
  • No monthly service charge if account maintains daily average balance of $300 or you authorize at least one ACH credit per monthly statement cycle
  • Electronic Bill Pay available
  • Electronic statements provide a monthly activity report
  • $5.00 monthly service charge if qualifications are not met

InControl

  • Free Visa® Debit/ATM Card available
  • No minimum balance required
  • Monthly service charge waived if at least six Visa® Debit Card transactions post and settle per monthly qualification cycle or be enrolled and receive eStatement notice
  • Nationwide ATM refunds up to $10 per monthly qualification cycle can be received if at least six Visa® Debit Card transactions post and settle per monthly qualification cycle and enroll and receive eStatement notice
  • Electronic Bill Pay available
  • $2.00 monthly service charge if qualifications are not met

Kasasa Cash® & Kasasa Saver® are registered trademarks of Kasasa. Ltd. All rights reserved. Visa® is a registered trademark of Visa International. All rights reserved.

Kasasa Saver®

  • Free account that builds your savings automatically
  • Linked to Free Kasasa Cash® account
  • Earn interest on your balance
  • No minimum balance to earn rewards
  • No monthly service charge

Regular Savings

  • No monthly service charge if account maintains ledger balance of $200
  • $3.00 monthly service charge if required balance is not maintained (waived for age 19 or younger)
  • Limit of 6 pre-authorized withdrawals each month

Set-A-Goal Savings

  • No minimum balance required
  • Automatic monthly transfer from a TRB checking account of $25 or more required
  • Limit of 6 pre-authorized withdrawals each month

Money Market Investment Accounts

  • Variable interest rate dependent on balance
  • No monthly service charge if account maintains ledger balance of $1,000
  • $10.00 monthly service charge if required balance is not maintained
  • Limit of 6 pre-authorized withdrawals each month

Kasasa Cash® & Kasasa Saver® are registered trademarks of Kasasa. Ltd. All rights reserved. Visa® is a registered trademark of Visa International. All rights reserved.

Certificates of Deposit CDs

  • Minimum deposit required
  • Various terms are available
  • Early withdrawal penalties apply

Individual Retirement Accounts IRAs

  • Traditional, Education and Roth Certificates of Deposit available with various terms
  • 18 Month Time Open account available with no minimum deposit balance or minimum deposit requirement
  • Early withdrawal penalties apply

Health Savings Accounts HSA

  • Tax-exempt spending and savings account, owned by an individual, used to pay for current and future qualified medical expenses
  • Individual must be covered by a High Deductible Health Plan (HDHP)
  • Account owner makes decisions on how to spend the money, versus a health insurance provider
  • Employers and employees may contribute1
  • No “use it or lose it” rules like Flexible Spending Arrangements (FSAs)
  • Tiered interest rate
  • Checks and/or debit card available