Checking Accounts

Fifty-Five Plus Checking

For individuals aged 55 or older who maintain moderate balances and frequently write checks.

Minimum Initial Deposit: $100
Monthly Maintenance Fee: $8/month
Average Balance to Waive Maintenance Fee: $1,500/month; or $5,000/month in combination with the average ledger balance in your Personal Savings or Personal Premier Money Market account.
ATM Debit MasterCard® & Point-of-Sale Transactions: No fee for ATM transactions at any Community Bank ATM. Per service charge cycle, we will refund up to five ATM transaction fees charged at non-Community Bank (Foreign) ATMs. See a Schedule of Miscellaneous Fees for additional information regarding non-Community Bank ATM network charges.
Overdraft Protection Available (subject to credit approval): Yes

Personal Checking

For individuals who maintain moderate balances and frequently write checks.

Minimum Initial Deposit: $100
Monthly Maintenance Fee: $13.50/month
Average Balance to Waive Maintenance Fee: $1,500/month; or $5,000/month in combination with the average ledger balance in your Personal Savings or Personal Premier Money Market account.
ATM Debit MasterCard® & Point-of-Sale Transactions: No fee for ATM transactions at any Community Bank ATM. Per service charge cycle, we will refund up to five ATM transaction fees charged at non-Community Bank (Foreign) ATMs. See a Schedule of Miscellaneous Fees for additional information regarding non-Community Bank ATM network charges.
Overdraft Protection Available (subject to credit approval): Yes

Personal Interest Checking

An interest earning account for individuals maintaining higher balances.

Minimum Initial Deposit: $100
Monthly Maintenance Fee: $18/month
Average Balance to Waive Maintenance Fee: $3,500/month; or $10,000/month in combination with the average ledger balance in your Personal Savings or Personal Premier Money Market account.
Interest Terms: Interest is variable, 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: $3,499 or less
II: $3,500 – $9,999
III: $10,000 – $49,999
IV: $50,000+
ATM Debit MasterCard® & Point-of-Sale Transactions: No fee for ATM transactions at any Community Bank ATM. Per service charge cycle, we will refund up to five ATM transaction fees charged at non-Community Bank (Foreign) ATMs. See a Schedule of Miscellaneous Fees for additional information regarding non-Community Bank ATM network charges.
Overdraft Protection Available (subject to credit approval): Yes
Interest Rate/Annual Percentage Yield: Click here for the most current personal deposit rates.

Personal Premier Money Market Account

High-interest-earning personal account with limited access to funds.

Minimum Initial Deposit: $2,500
Monthly Maintenance Fee: $12/month
Waived with Balance of: $2,500/month average ledger balance
Limitations: Maximum of six pre-authorized withdrawals or electronic transfers allowed per month. $15 fee for each additional transaction.
Interest Terms: Interest is variable, 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: $2,499 or less
II: $2,500 – $99,999
III: $100,000 – $249,999
IV: $250,000 – $499,999
V: $500,000 – $999,999
VI: $1,000,000+
Overdraft Protection Available: No
Interest Rate/Annual Percentage Yield: Click here for the most current personal deposit rates.

Veterans Advantage Checking

For veterans of the United States Armed Services who can provide a Certificate of Release or Discharge from Active Duty (DD Form 214).

Minimum Initial Deposit: $100
Monthly Maintenance Fee: None
ATM Debit MasterCard® & Point-of-Sale Transactions: No fee for ATM transactions at any Community Bank ATM. Per service charge cycle, we will refund up to five ATM transaction fees charged at non-Community Bank (Foreign) ATMs. See a Schedule of Miscellaneous Fees for additional information regarding non-Community Bank ATM network charges.
Overdraft Protection Available (subject to credit approval): Yes

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.