Personal Banking
We have three checking accounts so you can choose what’s best for you. All of them are straightforward with good benefits– and they all include our great service with every account!
PERSONAL ACCOUNT CHECKING
Community Free Checking
Opening Amount: $100
Features:
» No minimum balance
» Unlimited check writing
» Free ATM/debit card
» Free enhanced online banking with bill pay
» $2 per month charge for paper statements
Service Charge: None
Direct Checking
Opening Amount: $100
Features:
» Automatic reimbursement of other banks’ ATM fees (unlimited)
» Free personalized checks
» Free enhanced online banking with billpay
» Free unlimited check writing
» Free ATM/debit card
» Free direct deposit
» Free traveler’s checks (single-signer)
» Free money orders
» Free official checks
» Free notary service
Service Charge: $4 monthly service fee with Direct Deposit; $6 per month without.
Guaranteed Checking
Opening Amount: $100
Features:
» Automatic reimbursement of other banks’ ATM fees (unlimited)
» Interest bearing (tiered-rate)
» Free personalized checks
» Free enhanced online banking with billpay
» Free unlimited check writing
» Free ATM/debit cardFree ATM/debit card
» Free direct deposit
» Free traveler’s checks (single-signer)
» Free money orders
» Free official checks
» Free notary service
Service Charge: $6 monthly service fee; Waived with $15k relationship balance*.
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. *Relationship is defined as all Community Bank deposit accounts owned by primary account holder.
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 during the quarterly statement period. $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 for those who keep smaller balances.
Opening Amount: $1,000
Service Charge: $10 if account balance falls below $1,000 during the monthly statement period. $5 excess withdrawal fee per withdrawal after the first six during the monthly statement period.
Interest Paid: (Community Plus & Money Market): Interest accrues on the daily collected balance and is credited within a calendar month. 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:(Community Plus & Money Market): By law, six third-party withdrawals or transfers are allowed within a monthly statement period. There are no limits on the number of withdrawals made in person or by ATM.
Overdraft protection is available on all personal checking accounts upon credit
approval. Member FDIC.
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.
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 to the Community Bank Credit Card, click here.
Service Fees
| Money order | $4 | |
| Cashier’s check | $5 | |
| Official check | $5 | |
| Traveler’s checks | 1.5% of amount purchased | |
| Traveler’s checks for 2 | 1.5% of amount purchased | |
| Wire transfers | See bank for fee | |
| Non-Community Bank ATM withdrawal | $1 | |
| Snapshot statement | $2 | |
| Statement reconciliation | $20 | |
| Research per hour | $20 | |
| Deposit item returned | $4 | |
| Collection item | $15 | |
| Insufficient Funds charge | See bank for fee | |
| Stop payment fee | $30 | |
| Account closing (if within 1st 60 days) | $50 | |
| Fax transmission | $1 | |
| Zippered deposit bag | $5 | |
| Locked deposit bag | $25 | |
| Safe deposit box (key replacement) | Cost of drilling | |
| Garnishment/levy | $100 | |
| Dormant account (after 12 months inactivity and less than $100 balance) |
$5/month | |
| ATM or debit card replacement | $5 | |
LOANS
Whenever you make a major purchase — like a new house, car, boat, or even that giant polar bear statue you’ve always wanted — chances are, you’ll need a loan. Maybe you’re starting the business you’ve planned and dreamed of forever so you could be your own boss. When you do, we want to help. So just tell us what you have on your mind. You do the talking, we’ll do the listening.
PERSONAL LOANS
We would love to make a real difference in your life. Our personal loans could help you pay off your credit cards, take care of unexpected expenses, pay tuition, buy furniture, or take a well-deserved vacation. How great is that?
CONSUMER LOANS
Got your eye on a new car, motorcycle, RV, or boat?
OTHER LOANS
We also offer other types of loans and credit services you may need:
» Real Estate Loans
» Letters of Credit
LIFELINE LINES OF CREDIT(sm): HOME EQUITY AND PERSONAL
Community Bank’s LifeLine(SM) Lines of Credit are designed to help you get what you want in life. They are a flexible financing vehicle that provides quick access to the money you need because you don’t have to keep re-applying as long as you remain under your limit. Whether it’s a personal or home equity line of credit, Community Bank has what fits your life best.
» Personal Checking Accounts
» Personal Savings Accounts
» Money Market Accounts
» Certificates of Deposit
» Banking Conveniences
» Debit Card
» Health Savings Accounts
» Credit Card
» Service Fees
» Loans
Community Bank may pay overdrafts occurring in your account and may charge a fee for this service. We offer products that may be less expensive for you than paying these fees including links to savings accounts and overdraft lines of credit. Call or visit your local Community Bank office to discuss these products.
® 2012
Community Bank | 
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