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» Personal Checking Accounts
» Personal Savings Accounts
» Money Market Accounts
» Certificates of Deposit
» Golden Advantage Club
» Banking Conveniences
» Debit Card
» Health Savings Accounts
» 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. There’s even an exclusive club for our customers who are age 50 and over. 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 $2.00” 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: $100
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 monthly statement period.
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.

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**
» 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 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 representative for current interest rates.
Regulatory Limit: By law, six transfers are allowed each calendar month. There are no limits on the number of withdrawals made in person or by ATM.

Money Market Accounts
COMMUNITY PLUS
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: $20,000
Service Charge: $15 if account balance falls below $10,000 during the monthly statement period. $5 excess withdrawal fee per withdrawal after the first six during the monthly statement period.

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 and Money Market): 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 (Community Plus and Money Market): By law, six third-party withdrawals or transfers are allowed within a statement period. Three of the six may be allowed by check. There are no limits on the number of withdrawals made in person or by ATM.

*Limit four ATM reimbursements per calendar month
**Subject to approval
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 a rate allowed by law.
Interest is charged on overdrawn balances at a 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.

Golden Advantage Club
Community Bank’s Golden Advantage Club is a group designed exclusively for Community Bank customers age 50 and over who maintain a certain amount in combined deposit account balances. Members enjoy monthly activities including mystery trips, international trips and special meals and entertainment...not to mention the many free or discounted bank services. Community Bank Golden Advantage members have traveled over 150,000 miles throughout all 50 states and 1 foreign country, including 2 Alaskan cruises and 2 trips to Hawaii.
(Only available in selected locations).

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.

Service Fees

	Money order		$3
	Cashier’s check		$5
	Official check		$5
	Traveler’s checks		1% of amount purchased
	Traveler’s checks for 2		1.5% of amount purchased
	Wire transfers		See bank for fee
	Non-bank network ATM		$1
	Statement printout		$2
	Statement reconciliation		$20
	Research fee (hourly)		$20
	Returned deposit item		$3
	Collection item		$10
	Non-sufficient funds fee		See bank for fee
	Stop payment order		$20
	Account closing (if within 1st 60 days)		$15
	Fax transmission		$1
	Photocopies		$1
	Zippered deposit bag		$5
	Locked deposit bag		$25
	Safe deposit box (key replacement)		Cost of drilling

» Personal Checking Accounts
» Personal Savings Accounts
» Money Market Accounts
» Certificates of Deposit
» Golden Advantage Club
» Banking Conveniences
» Debit Card
» Health Savings Accounts
» Service Fees