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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®

  • Free checking that pays really high interest
    • 3.01% APY* on balances up to $10,000
    • 3.01% to 0.41% APY on balances over $10,000 depending on balance in account*
    • 0.01% APY* if qualifications aren’t met
  • Refunds on ATM withdrawal fees, nationwide (up to $20 monthly)*
  • Link to free Kasasa Saver® account to build savings automatically
  • No minimum balance to earn rewards
  • No monthly maintenance fees
  • Free electronic banking
  • Free Visa® debit card
  • No minimum deposit to open
  • Limit one account per social security number; available for personal accounts only

It’s easy to earn your Kasasa Cash rewards. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases
  • At least 1 direct deposit or ACH payment transaction
  • Be enrolled in and agree to receive electronic statements

Even if you don’t meet your qualifications during the cycle, your Kasasa Cash account is still free — and you’ll still earn our base interest rate. Plus, you can get right back to earning your full rewards the very next month.

Find full details, terms, conditions and disclaimer information below.

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 Cash Disclaimer

Qualification Information:

Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.

“Monthly Qualification Cycle” means a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle.

Reward Information:

When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $10,000 in your Kasasa Cash account earn an interest rate of 3.01% APY*; and average daily balances over $10,000 earn an interest rate of 0.15% APY on the portion of the average daily balance over $10,000, resulting in a non-compounding range from 3.01% to 0.41% APY depending on the account’s average daily balance.

You will receive reimbursements up to an aggregate total of $20 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction.

When your Kasasa Cash qualifications are not met, the interest rate earned on the account’s entire average daily balance will be 0.01% APY resulting in a non-compounding annual percentage yield of 0.01% APY and ATM withdrawal fees are not refunded.

Interest will be credited to your Kasasa Cash account on the last day of the current statement cycle.

Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle.

APY = Annual Percentage Yield.

APYs accurate as of today’s date.

APY calculations are based on an assumed balance of $10,000 + $100,000 in your Kasasa Cash account an assumed statement cycle of thirty-one (31) days.

Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.

Additional Information:

Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.

No minimum deposit is required to open the account.

Monthly Direct Deposit/ACH credit/debit and monthly electronic statements are conditions of this account.

Limit of one Kasasa Checking account per Social Security number.

There are no recurring monthly maintenance charges or fees to open or close this account.

Advertised information and rewards are based on all account qualifications being met during each cycle period.

Contact one of our bank service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

Member FDIC.

Trademarks:

Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.

Kasasa Saver®

  • Free account that builds your savings effortlessly
  • Links exclusively to our free  Kasasa Cash® account checking account
  • Provides automatic transfers of Kasasa Cash earnings
  • Earns interest on your balance
    • 0.50% APY* on balances up to $25,000
    • 0.50 – 0.22% APY on balances over $25,000 depending on balance in account*
    • 0.01% APY* if qualifications are not met
  • Free electronic statements
  • No minimum balance to earn rewards
  • No monthly maintenance fees
  • No minimum deposit to open

Qualifying for your Kasasa Cash rewards automatically qualifies you for the highest Kasasa Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases
  • At least 1 direct deposit or ACH payment transaction
  • Be enrolled in and agree to receive electronic statements

If you don’t meet your qualifications during the cycle, there’s no need to worry. Your Kasasa® accounts are still free and you’ll still earn our base interest rate in Kasasa Saver. Even more, you can get right back to earning your full rewards the very next month.

Find full details, terms, conditions and disclaimer information below.

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.

Kasasa Saver Disclaimer

Qualification Information:

Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.

“Monthly Qualification Cycle” means a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle.

Reward Information:

When your linked Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $25,000 in your Kasasa Saver account earn an APY of 0.50% APY and average daily balances over $25,000 earn an interest rate of 0.15% on the portion of the average daily balance over $25,000, resulting in a range from 0.50% to 0.22% APY depending on the account’s average daily balance.

When your linked Kasasa Cash account qualifications are not met, the entire average daily balance in the Kasasa Saver account earns an interest rate of 0.01% resulting in an annual percentage yield of 0.01% APY.

Interest will be credited to your Kasasa Saver account on the last day of the current statement cycle.

APY = Annual Percentage Yield.

APYs accurate as of today’s date.

APY calculations are based on an assumed balance of $25,000 + $100,000 in your Kasasa Saver account and an assumed statement cycle of thirty-one (31) days.

Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.

Additional Information:

Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.

No minimum deposit is required to open the account.

Monthly Direct Deposit/ACH credit/debit and monthly electronic statements are conditions of this account.

Limit of one account per Social Security Number.

There are no recurring monthly maintenance charges or fees to open or close this account.

A Kasasa Cash account is required to have a Kasasa Saver account for automatic savings.

Advertised information and rewards are based on all account qualifications being met during each cycle period.

Contact one of our bank service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

Member FDIC.

Trademarks:

Kasasa, Kasasa Cash and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

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