Personal Banking

Red River State Bank has a wide variety of products and services that will help make your life a little easier.

Checking Accounts

Simple Checking

Interest Checking

Description Ideal for everyday banking needs Earn Interest!
Minimum to Open $10.00 $1,000.00
Minimum Balance Requirement None $1,000.00
Interest Earning   X
Free Internet Banking X X
Free Mobile App X X
Free E-Statements X X
Free 1st order of Bank Style Checks or Free Debit Card X X
 Billpay X X

*For more details please speak to your local bank representative

Savings Accounts


Money Market

Description Interest earning account with minimum balance requirement Premium interest rates with minimum balance requirement
Minimum to Open $10.00 $1,000.00
Minimum Balance Requirement $10.00 $1,000.00
Interest Earning X X
Free Internet Banking X X
Free Mobile App X X
Free E-Statements X X

*For more details please speak to your local bank representative

Certificate of Deposit (CDs)

Certificates of Deposit (CDs) are a great way to save for the future. Red River State Bank has CD terms that let you decide how long you want to invest your money. Contact us for current interest rates.

  • $1,000 minimum balance to open a CD
  • Different terms available
Health Savings Accounts (HSA)

An HSA is a tax advantaged account that can help you pay for qualified medical expenses. Contact Red River State Bank to start saving for the future.

Individual Retirement Arrangements (IRAs)

Individual Retirement Arrangements (IRAs) from Red River State Bank come in three forms. Contact Red River State Bank to start saving for the future.

Open a 12 month IRA Certificate of Deposit with an initial $1,000 deposit. Interest compounded and credited yearly. Early withdrawl penalty may apply.

Prepaid Cards

Travel Cards

Red River State Bank has Visa travel cards to make traveling easier. This prepaid alternative to travelers checks can be used anywhere Visa is accepted and you can withdraw local currency from more than a million ATMs. Fees do apply.

The reloadable Travel cards are convenient and safe. If the card is lost or stolen, the remaining value can be blocked and refunded. Plus, emergency assistance is available to provide a replacement card or cash wherever you are.

Travel Cards from Red River State Bank are:

  • Easy – you can buy a travel card from a growing range of banks or travel agencies and use it around the world
  • Secure – travel cards are completely separate from your bank account, so if lost or stolen, your money is protected

Gift Cards

Red River State Bank has Visa Gift Cards for everyone’s wish list. The Visa Gift Card is a single load card. It can be used at any merchant that accepts Visa cards. Give the gift they’ll appreciate. Fees do apply.

Access Cards

Red River State Bank has prepaid Visa Access Cards. The reloadable Visa Access Card is a convenient and secure way to make everyday purchases, make electronic bill payments, shop online, provide spending money to students and to access cash at ATMs. Avoid exposing your bank account to fraudulent transactions, or waking up to an empty account. Payroll funds can be directly deposited onto the Visa Access Card. See us for all the details. Fees do apply.


Red River State Bank is ready to help you meet your financial goals. We offer a complete line of consumer loans that fit any particular need. It's easy to apply. Ask to speak to one of our loan officers.

Don't forget you can enjoy a lower interest rate when you have payments deducted automatically from your Red River State Bank checking or savings account.

Ready Reserves
Overdraft protection for your checking account. We will automatically transfer available funds to cover your transaction if you don’t have enough money in your checking account.

Auto, Boat, and Other Secured Loans  
We offer competitive interest rates and terms for secured loans. Secured loans are usually designed for specific purchases such as a purchasing a car, truck, boat or recreational vehicle. These loans assure you of a predictable monthly payment to make budgeting simpler.

Recreational Vehicle/Camper Loans
When you're looking to purchase or refinance your RV or Camper speak to one of our loan officers about our competitve interest rates and terms to fit your budget. 

Home Loans 
Whether you are buying a new home, refinancing your present home or building a new home, we can offer competitive interest rates and have the flexibility to tailor a loan just for you. We service your loan locally. This means you can always count on a familiar face to answers any questions you may have.  In addition to traditional mortgage loans, Red River State Bank offers Home Equity Loans and Home Equity Lines of Credit including both fixed interest rate term loans and revolving lines of credit. With our low, competitive interest rates, these are perfect for home improvement, construction or whatever your needs. We'll help you with the loan that is right for you.  

Interest may be tax deductible (consult your tax advisor for deductibility).

The security of your personal information is a top priority for us. We are committed to helping you keep your identity and information secure. We respect your financial privacy and comply with laws and regulations designed to secure that privacy. Our employees are bound by a code of ethics requiring confidential treatment of customer information. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.