Richland State Bank

Information may not be reliable

Avoid The Hassle and Embarrassment of Declined Transactions
Due to Federal Regulations changes, after August 15, 2010 banks can no longer extend overdraft protection on certain transactions unless the customer gives express authorization. After that date any debit card or ATM transaction that takes an account to a negative balance will be declined unless you give your authorization.
There is a way to avoid the hassle and embarrassment of declined transactions. For more information call:
Rayville 318 728-2024 Mangham 318 248-2134 Minden 318 377-3030
Monroe 318 699-8412 West Monroe 318 322-8338 Oak Grove 318 428-4444
Or stop by any branch location.

Louisiana Banks Safe and Strong
FDIC insured banks and thrifts in Louisiana are safe and strong. The disturbing news in the media about Wall Street has nothing to do with Main Street FDIC insured Louisiana financial institutions. Louisiana banks and thrifts are highly regulated and have nothing in common with the mess we have seen unfold in other parts of the country.

RSB Earns Highest Honor for 43th Consecutive Quarter
April 2010: BauerFinancial, Inc., Coral Gables, Florida is proud to announce that Richland State Bank has earned its highest 5-Star Superior rating for financial strength and stability. BaueFinancial, the Nation's Bank Rating Firm, has been analyzing and reporting on the nation's banks for over 25 years. The rating is based on the overall financial picture of the bank, and 5-Star rating indicates that Richland State Bank is one of the strongest banks in the nation. This is the 43th consecutive quarter that Richland State Bank has earned this highest honor for 10 straight years.

RSB Is a Member of Surcharge Free Network
Richland State Bank is now a member of Intercept Switch, a nationwide surcharge free network. You can now use your Richland State Bank ATM\Debit Card at hundreds of ATMs across the nation. Click on the ATM Locator link under the Bank Links on the right side bar of this web site for surcharge free ATMs or look for the Intercept logo for surcharge free ATMs as you travel across the nation.

Market Mutual Funds vs. Money Market Deposit Accounts
Recently, the U. S. Treasury Department established an unprecedented, voluntary one-year guaranty program insuring U. S. money market funds in order to stem losses resulting from global financial market turmoil. Many consumers are confused between money market deposit accounts (MMDAs) and money market mutual funds (MMMFs). Understanding key differences is imperative so we though you would find the following explanations helpful. If you are unsure which type of account you own you should consult your statements or your banker.
A money market mutual fund is a short-term mutual fund that invests in government securities, certificates of deposit, asset-backed commercial paper and other highly liquid securities. Money market funds sell shares to investors and earn interest based on performance. However, if the fund suffers a major loss, the shareholder has no guarantee the investment will be repaid. Until last week, these investments carried no insurance. However the guaranty program applies only to those money market funds that pay a fee to join it, and would only protect assets invested prior to September 20, 2008 for a period of one year.
A money market deposit account is an interest-bearing savings account that typically earns more than a regular savings account, but less that a money market fund. MMDAs are also less risky than MMMFs. They are insured by the Federal Deposit Insurance Corporation (FDIC) for to $100,000 per depositor per insured bank and up to $250,000 for some retirement accounts.

'Phishing' is a relatively new but quickly spreading scam that seeks to steal credit and debit card information, account information, personal information or passwords by email, pop-ups, imposter web sites or phone solicitation. Once a phisher has stolen your information they may then use your information to obtain money, or credit fraudulently.
Protect Your Personal Information
Richland State Bank will never solicit for your personal information by email, pop-ups or by phone. If you feel that you may have been solicited for personal information please call 318 728-2024.
Lost or Stolen ATM or Debit Card
If you should ever lose or have your Debit or ATM card stolen, please call 1(800) 500-1044 24 hours a day 7days a week.

FDIC Transaction Account Guarantee Program
Richland State Bank is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2010, all noninterest-bearing transaction accounts and NOW accounts with an interest rate of .50% or less (.25% effective July1, 2010) are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FIDC's general deposit insurance rules.