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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 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
monthly. The interest rate is variable and is subject to change daily without notice.
See a customer service representative for current interest rates.
*Some tiers may not pay interest.
**Relationship is defined as all deposit accounts owned by primary account holder
in the Community Bank where the Guaranteed Checking account is held.
Opening Amount: $100
Service Charge: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.
Opening Amount: $20,000
Service Charge: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: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 lines of credit are 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.
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
» Cashier's Checks
» Official Checks
» Money Orders
» Notary Service
» Wire Transfers
» Professional Asset Management
» Mobile Banking
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.
| 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 | $25 | |
| 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 |
» Personal Checking Accounts
» Personal Savings Accounts
» Money Market Accounts
» Certificates of Deposit
» Golden Advantage Club
» Banking Conveniences
» Debit Card
» Health Savings Accounts
» Credit Card
» Service Fees
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.
