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Products & Services |
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| Two Rivers Bank defines our trade area as Washington County, Nebraska. It is our practice to originate deposit accounts, credit cards and loans only in Washington County and other counties in Nebraska immediately adjacent to Washington County. Please feel free to contact the Blair Branch at or the Arlington Branch at for further assistance. |
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DEPOSIT ACCOUNTS
Image Commuter Checking
Image Standard Checking
Image Plus Checking
Image Student Checking
Regular Savings
Set-A-Goal Savings
Money Market Investment
Business Checking
CARD PRODUCTS
ATM Card
Visa Check Card
Credit Cards
ELECTRONIC SERVICES
Online Banking
Bill Payment and Presentment
Telephone Banking 1-800-754-1921
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LOAN SERVICES
Personal Loans
Home Loans
Home Equity Lines of Credit
Agriculture Loans
Commercial Loans
INVESTMENT ACCOUNTS
Certificates of Deposit
Individual Retirement Accounts
OTHER SERVICES PROVIDED
Safety Deposit Box
Cashiers Checks
Wire Transfers
Money Orders
Travel/Gift Card
Coin Services
U.S. Savings Bonds
Notary Services
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| DEPOSIT ACCOUNTS |
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Image Commuter Checking
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- No monthly service charge if account maintains daily average balance of $1, deposit of your income
- Free Online Bill Pay*
- Free ATM access; surcharges from other banks will be reimbursed if you bring in your receipt within 30 days of the transaction
- Free VISA Check/ATM Card available
- E-mail or online statements provide a monthly activity report
- Free Commuter checks with direct deposit
- $8.00 monthly service charge if required balance is not maintained
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Image Standard Checking
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- No monthly service charge if account maintains daily average balance of $ deposit of your income
- Free Online Bill Pay*
- Free VISA Check/ATM Card available
- E-mail or online statements provide a monthly activity report
- $5.00 monthly service charge if required balance is not maintained
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Image Plus Checking
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- No monthly service charge if account maintains daily average balance of $1,000
- Free Online Bill Pay*
- Earn interest on your balance
- Free VISA Check/ATM Card available
- E-mail or online statements provide a monthly activity report
- Unlimited check writing
- $7.00 monthly service charge if required balance is not maintained
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Image Student Checking
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- 22 or younger
- Free Online Bill Pay*
- No monthly service charge
- Free ATM access; surcharges from other banks will be reimbursed if you bring in your receipt within 30 days of the transaction
- Free ATM Card available
- E-mail or online statements provide a monthly activity report
- $.50 activity fee per paper debit item over 12 per statement period
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Regular Savings
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- No monthly service charge if account maintains ledger balance of $200
- Free ATM Card available
- $3.00 monthly service charge if required balance is not maintained (waived for age 19 or younger)
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Set-A-Goal Savings
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- No minimum balance required
- Free ATM Card available
- Automatic monthly transfer from a TRSB checking account of $25 or more required
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Money Market Investment Accounts
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- No monthly service charge if account maintains ledger balance of $1,000
- Free VISA check /ATM card available
- $10.00 monthly service charge if required balance is not maintained
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Business Checking
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- Three drop off points for 24 hour night depositories
- Several account types to fit your business needs
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Transaction Limitations
Federal regulations require banks to limit the manner in which WITHDRAWALS may be made from a savings account. Pre-authorized (telephone, transfer, wire transfers, SOP, automatic payment, check) withdrawals are limited to a combined total of 6 per month. On Money Market investment Accounts, federal regulations allow three of these six transactions to be check withdrawals. There is a $10 service charge for each pre-authorized savings withdrawal over six during a month. If account limitations are continuously exceeded the account will be closed.
*Online bill pay is free when you pay at least one bill a month; otherwise, there is a monthly bill payment service fee of $5.00.
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| LOAN SERVICES |
| Two Rivers Bank offers a variety of loans to meet both personal and business needs. We offer competitive rates and flexible terms. Our lending team consists of bankers right here at home. We guarantee a timely loan decision made by our local office. Our bank policies are designed to accommodate our customer's needs and allow our lenders to be flexible. We invite you to contact one of our loan professionals to determine the borrowing option that is right for you. |
- Personal Loans - Auto or other personal purchases
- Home Loans - Purchase or refinance your home
- Home Equity Line of Credit - Use for anything you want, interest may be tax-deductible
- Agriculture Loans - Operating, livestock, equipment or land
- Commercial Loans - Use for operating, equipment or real estate
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Our primary lending area is Washington County, Nebraska and other counties in Nebraska immediately adjacent to Washington County.
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Personal Loans
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Standard requirements - good equity and credit history. Reduced interest rates may apply for automatic payments from your deposit account. Credit life and disability insurance available to protect payments in event of death or disability.
For:
- Auto/Truck
- Boat
- Motorcycle
- Personal and household purchases
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Home Loans
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Owning your own home may be the most important investment you will ever make and Two Rivers Bank wants to assist you in that most important step. Our friendly hometown lending staff is ready to help you select the right type of loan for your needs.
In-house loans are available. Closing costs usually consist of loan origination fee, title insurance/search, and recording fees. Appraisal fee may be waived if tax assessed value establishes equity. Very competitive rates with loan approval usually within one week or less. All balloon loans are kept in-house and do not have escrow accounts for taxes and insurance.
Secondary Market financing available for conventional loans with or without PMI. Closing costs usually consist of loan origination/loan discount (call the bank for the daily rate quotes), title insurance, underwriting fee, closing fee, credit report, flood certification, appraisal fee, and recording fees.
For:
- Home Purchases
- Refinancing
- Construction
- Second Mortgages
- Lot Loans
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Home Equity Loans
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Join the homeowners who've discovered the value of home equity as a credit resource. Equity, the amount of money you would enjoy if you sold your house today, can secure your personal line of credit. As our approved credit-line customer, you decide how much of your credit limit you will use and when! Pay Interest Only on a monthly basis.
Use the proceeds for:
- Home improvements
- Automobile purchases
- College education
- Vacation
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Agriculture Loans
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Designed to meet your financial needs. Each producer is unique, so please contact us today to see what we can do for you.
For:
- Equipment
- Operating line of credit
- Livestock
- Real Estate - Closing costs usually consist of title insurance, appraisal, recording fees, and loan origination. Very competitive interest rates and payment terms.
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Commercial Loans
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Designed to meet your needs. Each business is unique, so please contact us today to see what we can do for you.
For:
- Equipment
- Inventory
- Revolving Credit Lines
Real Estate - Closing costs usually consist of title insurance, appraisal, recording fees, and loan origination. Very competitive interest rates and payment terms.
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INVESTMENTS ACCOUNTS
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Certificates Of Deposit
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- Minimum deposit required
- Various terms are available
- Early withdrawal penalties apply
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Time Open IRA/Education IRA/ROTH IRA
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- No minimum deposit balance or minimum deposit requirement
- 18 month term
- Early withdrawal penalties apply
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| OTHER SERVICES |
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ACH Origination
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Designed for corporate accounts, ACH Origination is an internet based application that allows corporate customers to generate ACH transactions. Originate payroll and payment ACH files via simple, step-by-step instructions. We offer a system that is powerful, user friendly and more affordable than similar systems through other providers.
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Card Sentry/Fraud Detection Program
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Our FREE Card Sentry fraud detection program is offered to all customers who have Visa debit cards. With this program fraud analysts review card activity and take appropriate action based on the severity of the alert. A representative will contact cardholders on behalf of Two Rivers Bank from 8:00 a.m. to 9:00 p.m. CST if there is suspicious activity; when calling you, they will validate your identity and confirm the activity in question from alerts. If you would like to confirm the caller’s identity, you may call the bank at or our fraud alert specialists at 1- extension 19311. Cards will be blocked when fraud is confirmed or you cannot be reached and the risk of fraud is high. If your card is blocked, a representative from Two Rivers Bank will call you; at which time a new card will be ordered. If you are planning a vacation, please contact the bank at so we will know you will be out of your normal area. Please make the bank aware of phone numbers at which you can be reached if alerts are placed on your accounts.
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| NOTICE: The web site of Two Rivers Bank may contain features that are provided to our customers from an outside source. We are not responsible for and have no control over the content or subject matter of these links, however it is our sole intent to provide only good information that our customers can find useful or entertaining. Please contact us with any concerns or comments. The contents of this Web site are for informational and/or authorized customer use. Any unauthorized use of or access to this Web site or it's contents may be punishable by applicable laws. |
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