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Personal Checking Accounts

Choose from a variety of checking accounts to find what’s best for you – each includes great features and benefits.

CB Digital Account

The electronic-only account that also earns interest and includes features like eStatements, online bill pay, and no minimum balance.

Opening amount: $100

  • Automatic reimbursement of other banks’ ATM fees (limit 5 per statement cycle)
  • Interest bearing
  • No minimum balance required.
  • Automatic enrollment in eStatements
  • Free debit card*
  • Free enhanced online banking with billpay
  • Checks/Paper Items (after 10 items, $1 per item charge)
  • Mobile banking and mobile deposit
  • Automatic debit card transaction alerts
  • Automatic deposit alerts

Click the button below to open this account online.

Open this account online.

*Subject to approval and limits.
Overdraft protection is available on all personal checking accounts upon credit approval.

Community Checking

Opening Amount: $50

  • No minimum balance
  • Unlimited check writing
  • Free mobile banking
  • Free debit card**
  • Free enhanced online banking with bill pay and myMoney
  • Free eStatements ($2 per month charge for paper statements)
  • SERVICE CHARGE: None

Open this account online.

**Subject to approval and limits.
Overdraft protection is available on all personal checking accounts upon credit approval.

Direct Checking

Opening Amount: $100

  • Automatic reimbursement of other banks’ ATM fees (limit 5 per statement cycle)
  • Free enhanced online banking with bill pay and myMoney
  • Free unlimited check writing
  • Free mobile banking
  • Free debit card**
  • Free direct deposit
  • Free money orders
  • Free official checks
  • Free notary service
  • SERVICE CHARGE: $6 monthly service fee with Direct Deposit; $8 per month without.

Open this account online.

**Subject to approval and limits.
Overdraft protection is available on all personal checking accounts upon credit approval.

Student Direct Checking

Opening Amount: $50

  • Automatic reimbursement of other banks’ ATM fees (unlimited)
  • Free enhanced online banking with bill pay
  • Free unlimited check writing
  • Free mobile banking
  • Free eStatements
  • Free debit card*
  • Free direct deposit
  • Free notary service

Must meet age and student status requirements. See bank for details.
*Subject to approval and limits. ($2 per month charge for paper statements)
Overdraft protection is available on all personal checking accounts upon credit approval.

Guaranteed Checking

Opening Amount: $100

  • Automatic reimbursement of other banks’ ATM fees (limit 5 per statement cycle)
  • Interest bearing (tiered-rate)**
  • Free personalized checks for customers 50+ years old****
  • Free enhanced online banking with bill pay and myMoney
  • Free unlimited check writing
  • Free first order of checks
  • Free mobile banking
  • Free debit card*
  • Free direct deposit
  • Free money orders
  • Free official checks
  • Free notary service
  • SERVICE CHARGE: $8 monthly service fee; Waived with $15k relationship balance.***

Open this account online.

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.
*Subject to approval and limits.
**Some tiers may not pay interest.
***See bank for TIS Disclosure for details on relationship requirement.
****Account holder must notify bank of age eligibility.
Overdraft protection is available on all personal checking accounts upon credit approval.

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“Our relationship with Community Bank is better described as a valued partnership than a customer vendor relationship. Community Bank’s culture centers around the human relationships. They invest the time and energy to get to know individuals in our organization and understand what will add value to our current situation. They work hard to optimize that value and the result has been a highly transparent and efficient relationship that has indeed optimized our organization’s objectives. It is a banking relationship that goes beyond the products themselves and continues to be viewed as a valued partner for our organization.”

— Vance, Community Bank customer in Mississippi