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Personal Checking Accounts
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Personal Savings Accounts
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Money Market Accounts
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Certificates of Deposit
»
Banking Conveniences
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Debit Card
»
Health Savings Accounts
»
Credit Card
»
Service Fees
When you decide Community Bank is the place for you, one of the first things you’re going to want to do is open a checking account. After all, you have to be able to get through everyday life easily. We have two very popular checking accounts from which to choose. We’re sure one will meet your needs.
That’s not all, though. Our Personal Banking accounts and services also include a savings account, two money market accounts, certificates of deposit, loans, and a whole menu of services you may need from time to time. You see, when your money's at Community Bank, you're one of the family. We guarantee you won't find that kind of personal attention at many other places!
Personal Checking Accounts
ATM FREEDOM CHECKING
You can stop looking...this is the one and only. This is the only checking
account that actually automatically reimburses your account the fees
other banks charge you for using their ATM (You know, the “Do you
agree to pay $3.00” fees). That means virtually every ATM in the world
becomes free for you to use with this account! And if that weren’t
enough...this checking account pays interest, too.
Opening Amount
Features:
• Automatic reimbursement of other banks’ ATM fees*
• Earns interest
• Free personalized checks
• Free online bill pay
• Free online banking
• Free unlimited checkwriting
• Free ATM/debit card**
• Free direct deposit
• Free traveler’s checks (single-signer)
• Free money orders
• Free official checks
• Free notary service
• Free use of the Community Bank copier and fax machine
Service Charge: $8.50 if account balance falls below $1,000 during the
statement cycle.
Interest Paid: Interest accrues on the daily collected balance and is credited monthly.
The interest rate is variable and tiered and is subject to change daily without notice.
See a customer service representative for current interest rates and balance tiers.
* Limit four ATM reimbursements per calendar statement period.
**Subject to approval
COMMUNITY FREE CHECKING
Why do other banks have 20 different confusing checking accounts to
sort through? With an account as good as ATM Freedom, you only
need one more checking account to have it all...a free one! Community
Free Checking is perfect for those who keep smaller balances in their
checking account and don’t want to pay service charges.
Opening Amount: $100
Features:
• No minimum balance
• Unlimited checkwriting
• Free ATM/debit card (subject to approval)
• Free online banking
Service Charge: None
Personal Savings Accounts
COMMUNITY SAVINGS
When you’re saving money, every penny counts. That’s why
Community Bank prides itself on offering competitive interest rates
with its savings accounts.
Opening Amount: $100
Service Charge: $6 if account balance falls below $300 any day during the quarterly statement cycle. $2 excess withdrawal fee per withdrawal
after the first three during the quarterly statement period.
Interest Paid: Interest accrues on the daily collected balance and is credited quarterly.
The interest rate is variable and is subject to change daily without notice. See a customer
service representative for current interest rates.
Regulatory Limit: By law, six third-party withdrawals or transfers are allowed within a
calendar month. There are no limits on the number of withdrawals made in person
or by ATM.
Money Market Accounts
MONEY MARKET
A money market account usually pays a higher return than a regular
savings account while still allowing you some access to your money.
Opening Amount: $1,000
Service Charge: $10 if account balance falls below $1,000 any day of the statement cycle. $5 excess withdrawal fee per withdrawal
after the first six during the monthly statement cycle.
Interest Paid: Interest accrues on the daily collected balance and is credited monthly.
The interest rate is variable and is subject to change daily without notice. See a customer
service representative for current interest rates and balance tiers.
Regulatory Limit: By law, six third-party withdrawals or transfers are allowed within a
statement cycle. Six of the six may be allowed by check. There are no limits on the number
of withdrawals made in person or by ATM.
Certificates of Deposit
If you don’t like the ups and downs of the stock market, and
“underneath your mattress” just doesn’t help you sleep well, you need
to get “interested” in putting your money in Community Bank CDs.
Opening Amount: $1,000
Interest Rate: Based on term – Call for current rates.
Interest Paid: At maturity on less than 12 months term; quarterly for terms of 12 months
or more.
Penalties: Early withdrawal penalty if withdrawn before maturity.
The following penalties apply if the certificate is redeemed prior to maturity:
• Terms of 7 to 31 days: the greater of the actual interest earned or 15 days interest.
• Terms of 32 days to 12 months: one month of interest.
• Terms greater than 12 months but less than 36 months: three months interest.
• Terms of 36 months or more: six months interest.
For all checking and savings accounts
Overdraft protection is available on all personal checking accounts upon credit approval.
Interest is charged on all interest bearing accounts for items paid on uncollected funds at
the current rate allowed by law.
Interest is charged on overdrawn balances at the current rate allowed by law.
See separate T-I-S disclosures for each account listed in this brochure for current rate and
fee information. All interest rates are subject to change without prior notice. Please refer to
our Funds Availability and Reg. E. Disclosure for rules and regulations governing these
accounts.
Member FDIC.
Banking Conveniences
» Online Banking
» Online Bill Pay
» Telephone Banking
» Safe Deposit Boxes (subject to availability)
» IRAs
» Direct Deposit
» Christmas Club Accounts
» Savings Bonds
» Traveler’s Checks
» Money Orders
» Notary Service
» Wire Transfers
» Professional Asset Management
Debit Cards
Paper checks are so 20th Century! If you’re tired
of running out of checks, scrambling to find a pen
and asking cashiers what today’s date is, you need
a debit card. With debit cards, money is automatically debited out of your checking account when you make purchases and your statement gives you a listing
of what you’ve bought just like a check register.
You can even use your debit card at an ATM when
you need cash.
Health Savings Accounts
HSAs are an alternative to traditional health insurance. It is a tax advantaged savings account
(with some restrictions) that can be used to cover current and future medical expenses. It allows money to be deposited before taxes and then to withdraw the money tax free for qualified medical expenses. We even offer HSA debit cards to make paying for expenses more convenient. See a customer service representative for details.
Credit Card
For more information or to apply for the Community Bank Credit Card, CLICK HERE.
Service Fees
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Money order |
|
$3 |
| |
Cashier check |
|
$5 |
| |
Official check |
|
$5 |
| |
Traveler’s checks |
|
1% of amount
purchased |
| |
Traveler’s checks for 2 |
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1.5% of amount
purchased |
| |
Wire transfers |
|
See bank for fee |
| |
Non Community Bank ATM |
|
$1 |
| |
Snapshot Statement |
|
$2 |
| |
Research per hour |
|
$20 |
| |
Deposit item returned |
|
$3 |
| |
Collection item |
|
$10 |
| |
Insufficient funds charge |
|
See bank for fee |
| |
Stop Payment Fee |
|
$30 |
| |
Account closing
(if within 1st 60 days) |
|
$15 |
| |
Fax transmission |
|
$1 |
| |
Photo static copies each |
|
$1 |
| |
Zipper deposit bag |
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$5 |
| |
Locked deposit bag |
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$25 |
| |
Safe deposit box
(key replacement) |
|
Cost of drilling |
»
Personal Checking Accounts
»
Personal Savings Accounts
»
Money Market Accounts
»
Certificates of Deposit
»
Banking Conveniences
»
Debit Card
»
Health Savings Accounts
»
Credit Card
»
Service Fees
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