COMMUNITY BANK PERSONAL CHECKING

Community Bank is proud to offer a variety of personal checking products, designed to meet the various needs of our customers.

Choose from one of the following:

FREE Checking
Open a FREE checking account today with only $50, and enjoy no monthly service charge, no required minimum balance and no per item check charges. Write as many checks as you wish and receive images in your monthly statement. Plus, a $300 overdraft privilege is automatically added to the account after 30 days if your account is in good standing as provided in our Overdraft Privilege Policy.* A household may be limited to one account with overdraft privilege. An ATM or MasterMoney check card is not included in the FREE checking program, but is available as an extra service.

CheckPlus Checking
Maintain good balances and earn interest on your checking account. CheckPlus rewards customers for good balances by paying tiered interest rates: under $10,000; $10,000 to $24,999.99; $25,000 to $99,999.99; and $100,000 or above. CheckPlus requires $500 to open the account. To avoid a $10 monthly service charge on the account, a minimum balance of $1,000 or an average collected balance of $3,000 must be maintained. A $500 overdraft privilege is added to the account after 30 days if your account is in good standing as provided in our Overdraft Privilege Policy.*

Senior Free Checking
Available to customers age 55 and older, this account has no monthly service charge and no minimum balance requirement.   While there is no minimum opening balance requirement, a deposit must be made to open this account.  Users may write as many checks as they wish and will receive check images in their monthly statement.  Overdraft Privilege of $300 is automatically added after 30 days if the account is in good standing as provided in our Overdraft Privilege Policy.* Additional benefits include special Deluxe checks at no charge, rebated ATM fees from non-Community Bank terminals (upon request and presentation of receipts) and free cashier’s checks, traveler’s checks and money orders.

Senior CheckPlus
Available to customers age 55 plus, $500 is required to open this interest bearing account.  A minimum balance of $1,000 or an average collected balance of $3,000 is required to avoid a monthly minimum balance fee.  Overdraft Privilege of $500 is automatically added after 30 days if the account is in good standing as provided in our Overdraft Privilege Policy.* Additional benefits include special Deluxe checks at no charge, rebated ATM fees from non-Community Bank terminals (upon request and presentation of receipts) and free cashier’s checks, traveler’s checks and money orders. The interest rate tiers are:  Under $10,000; $10,000 to $24,999.99; $25,000 to $99,999.99; $100,000 and over.

Independence Card
Keep it simple with this easy, convenient way to access funds. Designed for customers who receive recurring federal payments (such as Social Security or disability) and do not want to maintain a checking account, the Independence Card provides holders with ATM access only. The only fee for the account is the charge for each ATM usage that is not at a Community Bank ATM.

*Overdraft Privilege is available only on Free Checking, Senior Free Checking, CheckPlus and Senior CheckPlus.  We may limit the number of accounts eligible for Overdraft Privilege to one account per household. A Paid NSF Item Fee of $26.69 will be imposed for each overdraft paid. A fee applies to overdrafts created by check, in-person withdrawal, ATM withdrawal or other electronic means. If you do not restore your overdrawn account to a positive balance within 35 days, your participation in the Overdraft Privilege program is terminated.  Whether your overdraft will be paid is discretionary and we reserve the right not to pay.  For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts.

Be sure to also take advantage of these services with every Community Bank checking account: