About Us

Who is Redneck Bank®?
Redneck Bank® is the internet banking division of All America Bank®, established in 1969. We are insured by the FDIC. We enjoy a good laugh, but taking care of your banking needs is no laughing matter.  We are here for you with experience and good old-fashioned service!
Why should I bank with you?
Our products are great! Our Redneck Rewards®Checking and Mega Money Market® accounts offer high interest rates and low or no fees*. We also offer many great services including VISA® Debit Cards, Overdraft Privilege, and Bill Pay. We offer the convenience of banking anywhere you have internet access 24/7. When you call our Customer Service department, you will talk directly to a personal representative to give you quick responses to your questions and concerns – no endless menus to try to negotiate to get an answer! We have state-of-the-art computers and technology to manage and protect your account.

* Please refer to ‘Terms and Conditions’ of account type.
How are you different from a local bank in my home town?
We are a totally online bank that offers high-yield interest-bearing Redneck Rewards® Checking and Mega Money Market® accounts. We offer the convenience of opening new accounts online without having to wait on signatures, faxes or the U.S. mail. It can all be done electronically! You can manage your account(s) from anywhere in the world through the internet. Your money is accessible from virtually any ATM world-wide. We offer free Bill Pay for your convenience along with Overdraft Privilege, allowing you to overdraw your account*.

*Please refer to the Terms and Conditions of account type.
Where are you based?
We are based in Oklahoma City, Oklahoma.
How do I know my money is safe?
We have state-of-the-art internet security to protect your account. Also, the FDIC has insured us since our inception in 1969, and we are regulated by state and federal banking agencies.
Do I need to worry about identity theft?
You do not need to worry about the personal information you give the bank. Please refer to the Identity Theft section and the Online Banking Video Tutorials located on our website under "Other Services" for more information about protecting your identity.
Do you disclose any of my information?
No, we do not sell or release any of your personal information to anyone except as permitted by law. For instance, if you order checks, we will need to give your name and address to the check printing company. Or we may need to release your personal information for legal reasons like tax liens, garnishments, or subpoenas. If you have questions, please refer to our Privacy Policy or call Customer Service.

About Our Accounts

How long does it take to open an account with you?
Most applications are approved or denied during the original application process as long as your identity can be confirmed through a series of questions that only you should know. Your application may be delayed if more information is needed for approval. Once your application is approved and your account is funded, you will be assigned an account number. You will be notified by secure email of the account number. Included in the email is a link to register the account so a username and password can be assigned. From this point on, your account is open and accessible. The entire process usually takes 7-10 business days depending on how you fund your account.
What do you need from me to open an account?
We need your Social Security Number and Driver’s License or State ID Numbers. You will also need to answer a few questions so we can verify your identity.
How much money do I need to open an account?
$50.00
How do I fund my new account?
There are four ways to fund your new account. You can wire money* or transfer money from an existing account directly into your new account electronically. These are the fastest ways to fund your new account. Sometimes other financial institutions will not allow you to transfer money for security reasons. In this case, you can request to transfer money from your existing account. Redneck Bank®will make two small deposits of less than a dollar to your existing account. These are called ‘trial balances’. After you confirm the amounts of the ‘trial balances’ with us to verify the ownership of your existing account, the amount you requested will transfer automatically. Or you can mail us a check

*Money Wiring Instructions form is located under Other Services.
What is the routing number for Redneck Bank®*?
The routing number for Redneck Bank® is 103113182. Redneck Bank® is the Internet Banking Division of All America Bank®.

*The routing number listed above is a secondary routing number for All America Bank®.
Can I earn interest on my money?
Two of our accounts, Redneck Rewards® Checking and Mega Money Market® Checking offer high interest rates*.

*Please refer to the ‘Terms and Conditions’ of account type.
Is there a monthly maintenance fee associated with active accounts?
Redneck Rewards® Checking and Mega Money Market® accounts are FREE*.

*Please refer to the ‘Terms and Conditions’ of account type.

Using Your Account

Where can I get cash?
You can get cash from virtually any ATM worldwide! You can also get cash from any merchant that allows cash-back transactions with your Redneck Bank® VISA® Debit Card.
How can I make deposits into my account?
You can make deposits by direct deposit* from your employer or regular source income, by delivering deposits to the bank lobby or drive-thru window, mailing checks, sending wire transfers* or by using our Mobile Deposit feature with your smartphone or table.

You can also transfer money from another account at another financial institution (bank, savings and loan, credit union, brokerage firm, etc.) using our free Bank-to-Bank Transfer service, or you can transfer money between Redneck Bank® accounts, all with a click of the mouse.

*Direct Deposit and Money Wiring Instructions forms are available under Other Services.
When will deposits show up in my account?
Direct Deposits, Wire Transfers, Mobile Deposits and In-House Transfers show up and are available to you the day we receive them. Of course, we have no control over the mail, but deposits that are mailed to us go into your account the day we receive them. Our mail arrives at 8:30 am CST each business day. Sometimes a hold is placed on a deposit containing checks until the checks clear. In this case, the deposit is reflected in your “Current Balance” until the hold is released. Then the deposit is reflected in your “Available Balance” for your immediate use.
How often is my account updated?
Your account is updated continually.
How do I check my balance?
You can check your balance anytime by logging into your account through our website, by viewing your balance at an ATM, by using our text banking service or by calling Customer Service during business hours.

It is also possible to set up an Alert when logged into online banking so you are automatically notified of your balance based on the parameters you set.
How do I know what debits (charges) or credits (deposits) have been posted to my account?
Log in to your account anytime through our website to view all of the transactions in your account. Your account is updated continually.
Can I transfer money between accounts?
Yes. You have more flexibility than ever before. You can transfer money between accounts at Redneck Bank® with our In-House Transfer service or between financial institutions using our convenient Bank-to-Bank Transfer service.
What is the difference between “Available Balance” and “Current Balance”?
“Current Balance” is the account balance at the beginning of the day. “Available Balance” includes pending transactions.
What if I need to order a stop payment on a check?
Contact Customer Service at 888-210-1256.

Overdrafts

How do I enroll in Overdraft Privilege?
You may request this service at any time. If you ‘Opt In’ when opening a new account, after a 30-day waiting period, the service will be activated if your account meets the bank’s criteria for Overdraft Privilege. If at any time following the 30-day waiting period you choose to ‘Opt In’, simply log into your account online, click the "Services" button and the "Overdraft Enrollment" drop down option in the menu bar, and fill out and submit the online form. Or call Customer Service and tell them you want this service.
What if my account is overdrawn?
We will notify you by mail, email, or text if your account is overdrawn. You can look at your account activity through our online banking, mobile banking, or text banking to see what debits have cleared. We offer Overdraft Privilege to all eligible accounts. There is a $25.00 overdraft/returned fee per item with a maximum of $200.00 or 8 items per day.When you make mistakes or write a check for more money that you have in your account, we have a discretionary overdraft service that may cover the overdraft until you can make a deposit.

*This is a discretionary service. Some restrictions apply. Please read the Overdraft Privilege Disclosure to clarify any questions you may have.
How can I reduce overdraft fees?
• You can set up free auto-transfers between accounts (when funds are available).
• You can register for free online banking to access and review your account daily.
• You can set up low balance alerts from your online account that will be emailed or texted to you when your balance drops below a certain amount.
• We can send you a free transaction register to keep a better record fo your daily transactions and daily balance if you do not already have one.
• You may limit your ATM, POS, and Check transactions by making one withdrawal up to your overdraft privilege for one fee of $25.00.

For more financial education, please visit the FDIC’s site: Money Smart

Monthly Statements

How often will I receive an electronic statement?
You will be notified by email that your statement is ready monthly. You may choose to simply view it, print it or to download it into your personal money management software. Available formats for Transaction Exporting are Comma Separated File [.CSV], Microsoft Money [.OFX], Intuit Quicken [.QFX], Intuit QuickBooks [.QBO] and Spreadsheet [.XLS].
What is Annual Percentage Yield (APY)?
Interest Rate is the annual rate of interest paid on an account and does not reflect compounding. Annual Percentage Yield (APY) reflects the total amount of interest paid on an account, based on the interest rate and the frequency of compounding for a 365-day period and calculated according to the rules of the Truth In Savings Act. The APY is normally higher than the Interest Rate because it assumes that all compounded interest credited to an interest bearing account will remain on deposit in that account. The Bank is required to report APY on your monthly statements and to disclose the APY when advertising interest bearing accounts.
How is the interest rate reported on my monthly statement calculated?
The interest rate reported on your monthly statement is the Annual Percentage Yield (APY). Redneck Rewards® Checking pays the highest APY on the first $10,000 in your account, then a lower (but very competitive) APY on balances over $10,000. Therefore, if you have more than $10,000 in your account, the APY reported will be calculated based on a “blended” rate. The APY on the first $10,000 balance is blended proportionally with the lower APY on the daily balance over $10,000.
On the Redneck Rewards® Checking account, when does the monthly statement close?
Redneck Rewards® account statements close on the 20th. If the 20th lands on a Saturday your statement will close on Friday the 19th. If the 20th lands on a Sunday, your statement will close on Monday the 21st.

About Our Other Services

How long does it take to get my VISA® Debit Card?
It takes 5-10 business days after your new account is funded. Your PIN (Personal Identification Number) will arrive separately from your VISA® Debit Card, but within the same timeframe.
Is there a fee for using my VISA® Debit Card?
The only fee that we charge on debit cards is $.75 per cash withdrawal from an ATM. However, our Redneck Rewards® Checking Account offers you a refund of the $.75 charges as well as ATM surcharges if you meet the monthly requirements. All VISA® Debit Card transactions are free at merchant locations.
Where can I use my new VISA® Debit Card?
Anywhere VISA® is accepted and at virtually all ATM’s worldwide.
Is there a limit on my VISA® Debit Card?
For your protection, there is a daily limit on your debit card of $600 for cash and $1,500 for purchases.
What if I want to get the limit on my VISA® Debit Card increased?
Call Customer Service at 888-210-1256.
When can I use my new VISA® Debit Card?
You can use your new VISA® Debit Card as soon as you receive your card and your unique PIN (Personal Identification Number). You may go to any ATM to activate your card by checking your balance.

About Our Customer Service

When can I talk to someone in Customer Service?
You can call Customer Service at 888-210-1256 on Monday through Friday between 8:00 am and 5:00 pm CST. You can also use our secure ‘Message' feature when logged into online banking to send us any questions, concerns, or information safely.
What are bank hours?
You can open an account, check your balance, or transfer money into or out of your account(s) online 24/7. If you need to talk to someone about any account questions, you can call Customer Service at 888-210-1256 Monday through Friday 8:00 am to 5:00 pm CST or use our secure ‘Message' feature when logged into online banking.
How do I contact you?
Our mailing address is Redneck Bank®, P.O. Box 852, Mustang, OK 73064. Our phone number is 888-210-1256 and our fax number is 888-210-2027. Customer Service hours are on Monday through Friday 8:00 am and 5:00 pm CST. We can also be contacted securely when logged into online banking using our secure ‘Message’ feature.
What if I need to order checks?
If you have a need for paper checks, they are available to you.

For new checks or to change your checks, please contact Customer Service Monday through Friday, 8:00 am - 5:00 pm at 888-210-1256.

For Main Street check reorders please click here.
What if I need to change my address?
It’s easy to change your address! After you have logged into Online Banking, you can change your address by clicking on the ‘Settings’ tab and then ‘Contact Information’ on the left menu bar, entering your information into the online form, and clicking ‘Submit Application’.


Customer Service
888-210-1256

FDIC

Copyright ® 2008-2016 by Redneck Bank® — All Rights Reserved.
Redneck Bank® is a Trade Name and Trademark owned and used by Redneck Bank®,
the Internet Banking Division of All America Bank®, established in 1969 and Member FDIC.

FDIC

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