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

Our FREE checking account has 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 $500 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. A MasterCard Debit Card is included in the FREE checking program.


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. To avoid a $10 minimum balance fee per monthly statement cycle, a minimum balance of $2,500 or an average daily balance of $5,000 must be maintained. A $700 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 62 and older, this account has no monthly service charge and no minimum balance requirement.  There is no minimum opening balance requirement.  Users may write as many checks as they wish and will receive check images in their monthly statement.  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 and money orders.


Senior CheckPlus

This interest bearing account is available to customers age 62 and older.  A minimum balance of $2,500 or an average daily balance of $5,000 is required to avoid a minimum balance fee per monthly statement cycle.  Overdraft Privilege of $700 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 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.

* 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:

  • NetTeller™ Online Banking and Bill Paying —Sign up for our free online banking service. Use NetTeller™ to pay your bills at no cost.
  • MasterCard® Debit Card — Access your checking account funds to purchase goods and services without the hassle of check verification, wherever the MasterCard® logo is displayed worldwide.
  • ACCESS Tele-Banking — Use this 24-hour-a-day connection to Community Bank to check your business account balances, verify deposits or even make loan payments by transferring funds from your checking or savings account. Click on this link for more details.
  • Check Re-order — Re-order your Community Bank checks online. Click on this link to enter the Deluxe Web site