Business Checking

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Minimal Deposit to Open

A deposit of $300.00 is required to open a Business Checking Account.

Low or No Monthly Fee

Maintain a $5,000.00 balance for the entire month and pay no monthly maintenance fee. Low monthly fee of $8.00 if account falls below $5,000.00 at any point during the statement cycle.

Free Online Account Access & Bill Pay

You will have free access to our convenient 24/7 Online Banking Platform.

Debit or ATM Card Account Access

Access to Thousands of Surcharge Free ATMs

Rockhold has entered into a partnership with the nationwide MoneyPass ATM network to provide our cardholders with access to surcharge free ATMs. Click here to visit the MoneyPass ATM locator. By clicking this link you will be leaving Rockhold Bank website.

Eligible for Overdraft Privilege

If you have a checking account with Rockhold Bank you may be eligible for the Bank’s Overdraft Privilege service1. Having Overdraft Privilege means that should you inadvertently overdraw your account the Bank has the discretion to cover your overdrafts up to a limit established by Rockhold Bank after first subtracting the amount of the overdraft fee(s) as outlined in the Discretionary Overdraft Privilege Policy2. When your items are paid, this service will help save you the embarrassment and inconvenience of a returned item as well as the fee normally charged to you by merchants for items returned to them. The amount of Discretionary Overdraft Privilege will not be shown in your available balance, but is available for checks, ACH, Over-the-Counter transactions, debit card and ATM transactions.

Overdraft Opt-In Form

Eligible for Overdraft Transfer Protection

If you have a savings and a checking with the bank, you may “tie” the two accounts to protect yourself against overdrafts. Click here for an example of how this works.

Overdraft Transfer Protection PDF


By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit:

By clicking this link you will be leaving Rockhold Bank Website.

1 The following are the criteria a checking account must meet to become eligible for Overdraft Privilege:

  • Customer may not be delinquent on any loans with Rockhold Bank or have charged off deposit accounts
  • Account must be open for at least 30 days
  • Customer are not eligible if they’ve had a bankruptcy in the last 7 years, or if they have outstanding levies or garnishments
  • Account must have a positive balance before it will be eligible
  • None of the account owners may be a minor (under 18)
  • No individuals excluded by Reg. O policy are eligible

Overdraft Privilege is not a line of credit. Should an overdraft occur, your account will be charged the standard Overdraft fee for handling each item that is paid by the discretionary overdraft privilege. This may be a different fee than Rockhold Bank charges for items drawn against insufficient funds (NSF) and returned to the payee. If multiple items are presented against your account on the same day, each item will be assessed either the Overdraft or NSF fee depending upon whether the item is paid or returned. Please take a moment to review the Discretionary Overdraft Privilege Disclosure that follows this notice.

Please be aware that this notice does not constitute either a written agreement of an obligation or a prearranged agreement for The Rockhold Brown & Co. Bank to pay your overdrafts and we may withdraw this privilege at any time. Payment of any overdrafts will continue to be at the discretion of The Rockhold Brown & Co. Bank and payment of an overdraft does not obligate us or create an agreement or course of dealing on our part to allow overdrafts on any occasion.

If you have any questions regarding this or wish to opt out of this service, please contact Sarah Blazer at 937-402-2040 or Toll Free at 866-519-3141.

2 Rockhold Bank Discretionary Overdraft Privilege Policy

It is the policy of Rockhold Bank to comply with all applicable laws and regulations and to conduct business in accordance with applicable safety and soundness standards.

The Deposit Account Agreement and Disclosure provided to you at the time you opened your account with us controls the duties, obligations and rights of the Depositor, the Authorized Signatories and Rockhold Bank with regard to your checking account. The Deposit Account Agreement (and all amendments thereto) and its terms shall control any possible conflict, if any, between any provision of this Discretionary Overdraft Privilege Policy and the Deposit Account Agreement and Disclosure. A copy of the Deposit Account Agreement and Disclosure is available to you on request.

Overdraft privilege is not a line of credit. However, if you inadvertently overdraw your account, we will have the discretion to pay the overdraft, subject to the limit of your overdraft privilege and the amount of the overdraft fee. Rockhold Bank is not obligated to pay any item presented for payment if your account does not contain sufficient available funds. Any discretionary payment by Rockhold Bank of an overdraft check (or items, such as ATM withdrawals) does not obligate Rockhold Bank to pay any other overdraft check (or item), or to provide prior notice of its decision to refuse to pay such check (or item).

Pursuant to Rockhold Bank’s commitment to always provide you with the best level of service, now and in the future, if your consumer account (primarily used for personal and household purposes) or commercial account has been open for at least thirty (30) days, and thereafter you maintain your account in good standing, which includes at least:

A) Bringing your account balance to a positive balance within every thirty (30) day period for a minimum period of 24 hours;
B) Not being in default on any loan or other obligation to Rockhold Bank and
C) Not being subject to any legal or administrative order or levy

Rockhold Bank will have the discretion to pay overdrafts within the overdraft privilege limits, but payment by Rockhold Bank is a discretionary courtesy and not a right of the customer or an obligation of Rockhold Bank. This privilege for consumer checking accounts and for commercial checking accounts will generally be limited to a maximum of $500 overdraft (negative) balance. Of course, any and all fees and charges, including without limitation the non-sufficient funds fees (as set forth in our fee schedules and deposit account agreement and disclosure), will be included as part of this maximum amount.

The total of the discretionary overdraft privilege (negative) balance, including any and all fees and charges, including all non-sufficient funds/overdraft fees is due and payable upon demand, and Depositor and each Authorized Signatory will continue to be liable, jointly and severally, for all such amounts, as described in the Deposit Account Agreement and Disclosure with a maximum repayment period of 30 days.

Again, while Rockhold Bank will have the discretion to pay overdrafts on accounts in good standing (as described above), any such payment is a discretionary courtesy, and not a right of the customer or an obligation of Rockhold Bank and Rockhold Bank in its sole and absolute discretion, can cease paying overdrafts at any time without prior notice of reason or cause. June 2012.

Online Banking
CD Interest Rates
Term Interest
Percentage Yield
60 Month 2.80% 2.80%
48 Month 2.70% 2.70%
36 Month 2.60% 2.60%
24 Month 1.50% 1.50%
12 Month 0.25% 0.25%

For a complete listing of CD interest rates, click here.
Substantial penalties apply for early withdrawal. Fees may reduce earnings.

Auto Interest Rates

Low auto loan interest rates and as little as


money down for qualifying borrowers!

Call 740-634-2331 menu option 4 for more information.

Home Interest Rates

Home loan interest rates may change daily. Rockhold Bank is very competitive with its Home loan interest rates. Please call 740-634-2331 extension 127 (Tonya) for our current offerings.

Click here for more information on the types of Home Loans that Rockhold offers.