Welcome

Welcome to Richland State Bank online! Thank you for using this means to conduct your banking business with us. Even if you are just “checking us out,” we believe you will like what you see in terms of a user-friendly site. We continue to go to great lengths to maintain an online option that is second to none for convenience and efficiency.

We are a community bank, not an “investment bank,” like those on Wall Street that have caused such big problems in the financial markets over the last few weeks and months. As your FDIC-insured hometown bank, we abide by stricter regulations, and concentrate our lending and deposit-gathering right here in our own backyard. Louisiana banks are among some of the most stable in America. You can feel secure in your relationship with us. See other parts of our website for details about the safety of your money.

Enjoy your online experience, and please take time soon to stop in to see us face-to-face. We think you will like that as well!

Jerome Vascocu President and CEO

Bulletin Board

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.

More Info

FDIC Insurance Calculator Estimator

Are you concerned about your deposit insurance? Click on the FDIC Insurance Calculator Estimator link under the Miscellaneous Links located on the right side of this webpage.


RSB Earns Highest Honor for 39th Consecutive Quarter

April 2009;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.

More Info

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.


Things You Need to Know!

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

'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.