Locations and Hours Make a Loan Payment Chat Contact Us Personal Business Lending Investments About Us Careers Community Richwood Bank Basics What is a "community bank"? What is the Richwood Bank routing number? What are your hours of operation? What holidays are you closed for? Do you have notary services? Do you offer Travel Money Card or gift cards? How frequently is my financial information updated? How do I make a deposit to my account from a remote location? How quickly can I access deposits with ATM or online banking services? What are the interest rates on your credit cards? Personal Accounts Can I have other people do my banking for me? Can I get a copy of a check if I need it? Can I change my PIN number? Can I call to get my account balance? How do I set up direct deposit? Do you offer health savings accounts? What do I need to open an account? Are Richwood Bank accounts FDIC insured? How do I set up direct deposit of my payroll check? Can I get information about my account by phone? Is interest paid on Richwood Bank checking accounts? Can I do all of my personal banking with Richwood Bank? Can I look at all of my transactions at any time? Are wire transfers possible to and from my personal checking account? How do individual retirement accounts (IRAs) work? Why do NSF checks appear on my statement a day after they are actually presented for payment? Can I open an account if I don't live in the United States? What if I live in the United States but I'm not a citizen yet? How do I set up direct deposit of my Social Security check? Business Accounts Does your bank offer merchant services for business accounts? Can you pick up a store's deposit and/or have a change order ready? Can businesses have online accounts at Richwood Bank? Loans How soon can I expect to have a decision on a loan application? Why can't I fill out a loan application online? Do I need an appointment to meet with a loan officer? Can my payments to you be automatically deducted from my account? Do your loans have prepayment penalties? What is the advantage of amortizing over a longer term? What are the advantages of having an automatic debit to my account for my loan payment? Online Banking Where can I find out about online banking services and how to use electronic bill pay? Does Richwood Bank offer IRAs online? Why can't I go back to look at my statements any further than when I originally signed up for online banking? Legal Pages Privacy Policy Terms of Use Anti-Spam Policy Earnings Disclaimer Testimonials Disclaimer External Links Policy DCMA Notice Quick Links FAQ's Credit Card Login Merchant Services Login Order Checks Richwood Kids Make a Loan Payment Our Brands Richwood Marketing Richwood Financial Richwood Payroll Richwood Coffee Richwood Bancshares