CHECKING ACCOUNTS

Basic Checking

For individuals who maintain smaller balances and occasionally write checks.

Personal Checking

For individuals who maintain moderate balances and frequently write checks.

Fifty Plus Checking

A reduced fee account for individuals 50 years of age and over.

Personal Interest Checking

An interest-earning account for individuals maintaining higher balances.

Minimum Initial Deposit:	$100
Monthly Maintenance Fee:	$15/month
Average Balance to Waive Fee:	$2,500/month
Per Check Charges:	50 per month free $0.50 per check over 50
Limitations:	N/A
Explanation of Interest Rate and Interest Payment:	Interest is compounded daily and paid monthly. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Interest is paid on the daily balance according to the following tiers: I: $1,499 or less II: $1,500 – 9,999 III: $10,000 – 49,999 IV: $50,000+
ATM Debit MasterCard® & Point-of-Sale Transactions:	Unlimited free transactions at Community Bank ATMs. See Schedule of Miscellaneous Fees (MKT400) for non-Community Bank STAR SYSTEM® and PLUS SYSTEM® ATM network charges.
Overdraft Protection Available (subject to credit approval):	Yes
Annual Interest Rate/ Annual Percentage Yield:	Click here for the most current Personal Deposit Rates

Personal Money Market Accounts*

Regular money market account that offers competitive interest rates.

Minimum Initial Deposit:	$2,500
Monthly Maintenance Fee:	$10/month
Average Balance to Waive Fee:	$2,500/month
Per Check Charges:	N/A
Limitations:	Maximum of 6 preauthorized withdrawals or transfers allowed per month. Only 3 may be by check and/or Point of Sale. $10 fee for each additional transaction.
Explanation of Interest Rate and Interest Payment:	Interest is compounded daily and paid monthly. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Interest is paid on the daily balance according to the following tiers: I: $1,499 or less II: $1,500 – 9,999 III: $10,000 – 49,999 IV: $50,000+
ATM Debit MasterCard® & Point-of-Sale Transactions:	Unlimited free transactions at Community Bank ATMs. See Schedule of Miscellaneous Fees (MKT400) for non-Community Bank STAR SYSTEM® and PLUS SYSTEM® ATM network charges.
Overdraft Protection Available (subject to credit approval):	No
Annual Interest Rate/ Annual Percentage Yield:	Click here for the most current Personal Deposit Rates

High Yield Money Market Account*

Our premium money market account featuring high market interest rate for high balances .

Minimum Initial Deposit:	$25,000
Monthly Maintenance Fee:	$25/month
Average Balance to Waive Fee:	$25,000/month
Per Check Charges:	N/A
Limitations:	Maximum of 6 preauthorized withdrawals or transfers allowed per month. Only 3 may be by check and/or POS. $10 fee for each additional transaction.
Explanation of Interest Rate and Interest Payment:	Interest is compounded daily and paid monthly. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Tiered interest rate is tied to the 3 Month T-Bill Auction Rate, adjusted weekly. Interest rate and payment are based on daily balances within the following tiers: I: $24,999 or less II: $25,000 – 99,999 III: $100,000 – 249,999 IV: $250,000+
ATM Debit MasterCard® & Point-of-Sale Transactions:	Unlimited free transactions at Community Bank ATMs. See Schedule of Miscellaneous Fees (MKT400) for non-Community Bank STAR SYSTEM® and PLUS SYSTEM® ATM network charges.
Overdraft Protection Available (subject to credit approval):	No
Annual Interest Rate/ Annual Percentage Yield:	Click here for the most current Personal Deposit Rates

*The Bank reserves the right to require seven days written notice prior to withdrawal of any funds in this account.

Future Changes
Community Bank reserves the right to make changes to this Schedule at any time. The Bank will give such notice as required by laws or regulations.