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Personal Checking

We have a full range of banking products and financial services for your consideration. No matter how you prefer to manage your finances, we have the account for you!

All of our accounts include free online banking and e-statements for all of your banking needs. To learn more click on any of the accounts listed below.

 

Smart Choice Checking

Smart Choice Checking is designed to offer unlimited debits with no minimum balance requirements.

  • Free Online Banking
  • E-Statements 
  • No service charge
  • No minimum balance required
  • Unlimited check writing
  • ATM or SHAZAM®Chek debit card
  • Free statement snapshots
  • Free telephone transfers
  • Monthly statements
  • Balance Protection*

 

The applications are in Adobe Acrobat® (PDF) format and require Acrobat Reader. If you do not have Adobe installed, please click on the icon for a free download.

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Regular Checking

This easy to understand checking account uses your account's MINIMUM BALANCE to determine your monthly service charge.

  • Free Online Banking
  • E-Statements  
  • ATM or SHAZAM®Chek debit card
  • Unlimited check writing
  • Free statement snapshots
  • Free telephone transfers
  • Monthly statements
  • Balance Protection*

Monthly Service Charge Schedule

  • Should your minimum balance fall below $300 the charge shown below applies:
Minimum Balance
Minimum Balance Fee**
$200.00
-
$299.99
$4.00
$100.00
-
$199.99
$5.00
$   0.00
-
$  99.99
$6.00

* See Balance Protection.
** Service charges are subject to Iowa State and Local Sales Tax.

 

The applications are in Adobe Acrobat® (PDF) format and require Acrobat Reader. If you do not have Adobe installed, please click on the icon for a free download.

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NOW Account

Enjoy this interest bearing account with all the conveniences of a checking account plus earn interest on your average daily balances over $500 compounded and paid monthly***. Earn a higher rate of interest for average daily balances over $2,500.

  • Free Online Banking 
  • E-Statements  
  • $500 minimum balance  
  • ATM or SHAZAM®Chek debit card
  • Free statement snapshots
  • Free telephone transfers
  • Monthly statements
  • Balance Protection**

Monthly Service Charge Schedule**

Minimum Balance

Over $500 - No Charge 
Below $500 - $5.00 plus $.15 per debit over 25 debits. No interest will be earned.

* See Balance Protection.
** Service charges are subject to Iowa State and Local Sales Tax.
*** Interest rates on these accounts are subject to change without notice. All rates are available on request.


 



The applications are in Adobe Acrobat® (PDF) format and require Acrobat Reader. If you do not have Adobe installed, please click on the icon for a free download.

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Balance Protection

You authorize us to maintain a minimum balance in your savings or checking account. We will transfer in a multiple set amount when your account falls below a minimum set balance. Your transfer charge will be $5.00**.

** Service charges are subject to Iowa State and Local Sales Tax.
  

 

The applications are in Adobe Acrobat® (PDF) format and require Acrobat Reader. If you do not have Adobe installed, please click on the icon for a free download.

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Bonus Checking

What is Bonus Checking?
Bonus Checking is a special Overdraft Protection plan... a convenient service that insures you against any possible non-payment of your debits due to non-sufficient funds!

With Bonus Checking you will be authorized a credit limit which will always be available to you for use in your checking account. Community Bank will honor any debits by you, even if an overdraft occurs. We will simply transfer in increments from your credit line to your checking account, in the form of a loan.

We can then automatically charge your checking account in regular installment form - with low monthly payments - until the borrowed amount is paid.

Enjoy the convenience of debiting your account when you want, with the confidence that you have sufficient funds waiting at Community Bank.

 

 

The applications are in Adobe Acrobat® (PDF) format and require Acrobat Reader. If you do not have Adobe installed, please click on the icon for a free download.

 

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Are you SO OVER the giant wallet?