This gist can be used as an example of a multi-item RecyclerView adapter using ViewBinding and a Sealed Class to represent the ViewHolder types.

ExampleAdapter.kt

package com.mobile.devpackage.bll.adapters

import android.content.Context
import android.view.LayoutInflater
import android.view.View.*
import android.view.ViewGroup
import androidx.recyclerview.widget.RecyclerView
import com.mobile.devname.R
import com.mobile.devname.databinding.GenericTransactionRowFooterLayoutBinding
import com.mobile.devname.databinding.GenericTransactionRowHeaderLayoutBinding
import com.mobile.devname.databinding.GenericTransactionRowLayoutBinding
import com.mobile.devname.bll.models.Transaction
import com.mobile.devname.bll.utilities.UserSettings

const val TYPE_HEADER = 0
const val TYPE_TRANSACION = 1
const val TYPE_FOOTER = 2


class ExampleAdapter(
    private val context: Context,
    private val listener: OnTransactionClick
) : RecyclerView.Adapter<RecyclerView.ViewHolder>() {

    private lateinit var transactions: ArrayList<TransListItem>

    interface OnTransactionClick {
        fun onTransactionClick(transaction: TransListItem)
        fun onCheckClick(transaction: TransListItem)
    }

    fun submitListItems(items: ArrayList<TransListItem>){
        transactions = items
    }

    override fun onCreateViewHolder(parent: ViewGroup, viewType: Int): RecyclerView.ViewHolder {
        return when (viewType) {
            TYPE_TRANSACION -> TransactionViewHolder.from(parent)
            TYPE_HEADER -> HeaderViewHolder.from(parent)
            TYPE_FOOTER -> FooterViewHolder.from(parent)
            else -> {
                throw throw ClassCastException("Unknown viewType $viewType")
            }
        }
    }

    override fun getItemViewType(position: Int): Int {
        return transactions[position].getType()
    }

    override fun getItemCount(): Int {
        return transactions.count()
    }

    class TransactionViewHolder private constructor(val binding: GenericTransactionRowLayoutBinding) :
        RecyclerView.ViewHolder(binding.root) {

        fun bind(item: TransListItem, listener: OnTransactionClick, context: Context) {
            val transaction = item.getTransaction()
            binding.balancetext.text = transaction.amount
            binding.account.text = transaction.description
            if (transaction.amount.contains("-")) {
                binding.balancetext.setTextColor(context.resources.getColor(R.color.red, null))
            } else {
                binding.balancetext.setTextColor(
                    context.resources.getColor(
                        R.color.darkgreen,
                        null
                    )
                )
            }

            if(transaction.checkNumber.isEmpty()){
                // hide check view
                binding.checkview.visibility = GONE

            } else {
                // show check view + set listener
                binding.checkview.visibility = VISIBLE
                binding.checkview.setOnClickListener {
                    listener.onCheckClick(item)
                }
            }

            binding.genericRowLayout.setOnClickListener {
                listener.onTransactionClick(item)
            }
        }

        companion object {
            fun from(parent: ViewGroup): TransactionViewHolder {
                val layoutInflater = LayoutInflater.from(parent.context)
                val binding =
                    GenericTransactionRowLayoutBinding.inflate(layoutInflater, parent, false)
                return TransactionViewHolder(binding)
            }
        }
    }

    class HeaderViewHolder private constructor(val binding: GenericTransactionRowHeaderLayoutBinding) :
        RecyclerView.ViewHolder(binding.root) {

        fun bind(item: TransListItem) {
            binding.account.text = item.getTransaction().postDate
        }

        companion object {
            fun from(parent: ViewGroup): HeaderViewHolder {
                val layoutInflater = LayoutInflater.from(parent.context)
                val binding =
                    GenericTransactionRowHeaderLayoutBinding.inflate(layoutInflater, parent, false)
                return HeaderViewHolder(binding)
            }
        }
    }

    class FooterViewHolder private constructor(val binding: GenericTransactionRowFooterLayoutBinding) :
        RecyclerView.ViewHolder(binding.root) {

        fun bind(item: TransListItem, listener: OnTransactionClick, context: Context) {

            val incrementDays = UserSettings(context).getPrefsInt(UserSettings.ADDITIONAL_TRANS_DOWNLOAD)
            val previousText = "Previous $incrementDays Days"
            binding.account.text = previousText

            binding.genericRowLayout.setOnClickListener {
                listener.onTransactionClick(item)
            }
        }

        companion object {
            fun from(parent: ViewGroup): FooterViewHolder {
                val layoutInflater = LayoutInflater.from(parent.context)
                val binding =
                    GenericTransactionRowFooterLayoutBinding.inflate(layoutInflater, parent, false)
                return FooterViewHolder(binding)
            }
        }
    }

    override fun onBindViewHolder(holder: RecyclerView.ViewHolder, position: Int) {
        when (getItemViewType(position)) {
            TYPE_HEADER -> {
                val headerViewHolder = holder as HeaderViewHolder
                headerViewHolder.bind(transactions[position])
            }
            TYPE_TRANSACION -> {
                val transactionViewHolder = holder as TransactionViewHolder
                transactionViewHolder.bind(transactions[position], listener, context)
            }
            TYPE_FOOTER -> {
                val footerViewHolder = holder as FooterViewHolder
                footerViewHolder.bind(transactions[position], listener, context)
            }
        }
    }

    sealed class TransListItem {
        data class TransactionItem(private val transaction: Transaction) : TransListItem() {
            override fun getType(): Int {
                return TYPE_TRANSACION
            }

            override fun getTransaction(): Transaction {
                return transaction
            }
        }

        data class HeaderItem(private val transaction: Transaction) : TransListItem() {
            override fun getType(): Int {
                return TYPE_HEADER
            }

            override fun getTransaction(): Transaction {
                return transaction
            }
        }

        data class FooterItem(private val transaction: Transaction) : TransListItem() {
            override fun getType(): Int {
                return TYPE_FOOTER
            }

            override fun getTransaction(): Transaction {
                return transaction
            }
        }

        abstract fun getType(): Int
        abstract fun getTransaction(): Transaction
    }
}