Products & Services


Deposit types offered:

  • Regular Demand Deposit Accounts
  • NOW Accounts
  • Super NOW Accounts
  • Money Market Deposit Accounts
  • Savings Accounts
  • Certificates of Deposit

ADVANTAGE/CheckCard ATM access card also available to eligible customers.

   Safe Deposit Box


  • Box rent $5.00 or $10.00 per year, depending on size



Loan types offered:

  • Agricultural Real Estate and Agricultural Operating
  • Residential Real Estate (purchase, refinance, home improvement
  • Business Real Estate and Business Operating
  • Consumer Loans (auto, recreational equipment, personal expenses, etc.)
  • Mobile Home or Modular Home Loans
  • Student Loans
  • Governmental Units (for local development projects) and Government Insured
   Privately-Insured Education Loans

The Bank, in conjunction with its wholly owned subsidiary, Richland Loan Processing Center (“RLPC”) underwrites and originates privately insured student loans. 

   Latest News

Notice of changes in Temporary FDIC Insurance Coverage for Transaction Accounts.

By federal law, as of 1/1/2013, funds in a noninterest-bearing transaction account (including an IOLTA/IOLA) no longer receive unlimited deposit insurance coverage but will be FDIC-insured to the legal maximum of $250,000 for each ownership category. For more information, visit

For your protection

Scam artists are becoming more bold and more creative in their methods to obtain your personal and credit information.  Our partners with internet banking, debit cards, and the Bank itself WILL NOT contact you to ask for this information. If someone does, DO  NOT provide any information to them!!!

internet scamPlease note that as more people become dependent on the Internet, everyone needs to be aware of Internet security risks.  Remember that our bank will not contact you for personal information in e-mails or with messages from this website.  Make sure you are utilizing secure websites for any on-line transactions.  Software to protect against spyware, malware and viruses is important to keep these items from being downloaded to your computer.  Please contact us immediately if you believe you have fallen victim to someone "phishing" for your personal information. 

Richland State Bank is a South Dakota State Chartered bank dedicated to providing community banking services in Bruce, South Dakota and its surrounding trade area.  Additionally, the Bank is also committed to expanding its markets and services beyond the traditional trade area through niche student loan programs marketed on a national basis as well as other specialized nontraditional banking activities.  Click Here To Learn More About Us.

Click here to visit the Richland Loan Processing Center website.

More information on identity theft can be found at the Fair Trade Commission (FTC) website.

Protect your ADVANTAGE CheckCard from online fraud with Verified by Visa. Your Visa card is now equipped with Verified by Visa—it password protects your card for free.  Click Here To Visit The Visa Website.

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