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Personal Banking Overview

From Checking and Savings accounts to Money Markets and CDs, we offer a wide variety of secure and convenient personal banking solutions.

View all account features

Personal Banking Products

Free Checking

Free checking with no monthly service charge. Open an account today with $100 opening deposit.

Services include:

  • CardValet (enables the user to customize fraud alerts and set spending limits)
  • Popmoney (transfer money to another person’s account)
  • Visa Debit Cards
  • Combined Statements
  • Allpoint (Worldwide ATM Network with over 55,000 free locations)
  • Free Bill Pay
  • Online Banking
  • Mobile App

Interest Checking

Interest-bearing account with overdraft protection. Open an account today and receive your first box of checks free.

$6.00 monthly service charge (waived with a minimum daily balance of $500).

Services include:

  • CardValet (enables the user to customize fraud alerts and set spending limits)
  • Popmoney (transfer money to another person’s account)
  • Visa Debit Cards
  • Combined Statements
  • Allpoint (Worldwide ATM Network with over 55,000 free locations)
  • Free Bill Pay
  • Online Banking
  • Mobile App

Savings

Interest-earning account with unlimited withdrawals and no fee when you come in person to a branch.

$2.00 monthly service charge (waived with a minimum daily balance of $200).

Services include:

  • CardValet (enables the user to customize fraud alerts and set spending limits)
  • Popmoney (transfer money to another person’s account)
  • Visa Debit Cards
  • Combined Statements
  • Allpoint (Worldwide ATM Network with over 55,000 free locations)
  • Free Bill Pay
  • Online Banking
  • Mobile App

Money Market

Unlimited withdrawals with no fee when you come in person to a branch. $9.00 monthly service charge (waived with a minimum daily balance of $500).

Services include:

  • CardValet (enables the user to customize fraud alerts and set spending limits)
  • Popmoney (transfer money to another person’s account)
  • Visa Debit Cards
  • Combined Statements
  • Allpoint (Worldwide ATM Network with over 55,000 free locations)
  • Free Bill Pay
  • Online Banking
  • Mobile App

HSA Checking

HSA contributions are tax-deductible, with tax-deferred earnings. This account allows you to use the funds for qualified medical expenses, and the assets are not taxed. Our HSA checking allows you debit card access and check-writing capabilities.

$2.25 monthly service charge (waived with a minimum daily balance of $3000).

Services Include:

  • CardValet (enables the user to customize fraud alerts and set spending limits)
  • Visa Debit Cards
  • Combined Statements
  • Free Bill Pay
  • Online Banking
  • Mobile App

Certificate of Deposit

CDs are a great way to earn a higher interest rate than a regular savings account. With just a $100 opening deposit, you can earn competitive rates with this type of account. Interest rates vary based on maturity date. Call one of our Personal Bankers today to find the best CD to fit your needs

Personal Product Features Comparison

Providing secure and convenient access to your money.

Product Name Min. Opening Balance Monthly Service Charge Earns Interest Special Features
Community Free Checking $100 None No
  • Complimentary Student Starter Kit (For students only. See bank representative for eligibility and requirements.)
  • Clients 55 and older receive complimentary CFB logo checks (please order through your local branch)
  • Financial Records Safekeeping
Community Interest Checking $500 $6.00 Waived with minimum daily balance of $500 Yes, $500 minimum daily balance required.
  • Clients 55 and older receive complimentary CFB logo checks
  • Complimentary first box of CFB logo checks (please order through your local branch)
  • Complimentary overdraft protection from a linked checking or savings account
  • Financial Records Safekeeping
Community Savings $200 $2.00 Waived with minimum daily balance of $200. Waived if under age 18. Yes
  • Unlimited withdrawals with no fee when you come in person to a branch. Savings/money market account withdrawals are limited by federal regulations. You may make no more than six (6) pre-authorized, automatic, electronic, ACH, telephone, online or wire withdrawals or transfers, or payment by check, debit card, or similar order payable to third parties per monthly statement cycle. Additional withdrawals are $10.00 per item.
Community HSA Checking $100 $2.25 Waived with minimum daily balance of $3000 Yes
interest on tiered balances.
  • HSA contributions are tax deductible
  • HSA earnings are tax deferred
  • If used for qualified medical expenses, assets are never taxed
  • Debit Card access/check writing capabilities
Community Money Market $500 $9.00 Waived with minimum daily balance of $500. Yes
interest on tiered balances
  • Unlimited withdrawals with no fee when you come in person to a branch. Savings/money market account withdrawals are limited by federal regulations. You may make no more than six (6) pre-authorized, automatic, electronic, ACH, telephone, online or wire withdrawals or transfers, or payment by check, debit card, or similar order payable to third parties per monthly statement cycle. Additional withdrawals are $10.00 per item.
Certificates of Deposit $100 None. Penalty imposed for early withdrawal Yes
  • Competitive Rates
  • Low opening balance

Community Free Checking:

Min. Opening Balance: $100

Monthly Service Charge: None

Earns Interest: No

Features:

  • Complimentary Student Starter Kit (For students only. See bank representative for eligibility and requirements.)
  • Clients 55 and older receive complimentary CFB logo checks (please order through your local branch)
  • Financial Records Safekeeping

Community Interest Checking:

Min. Opening Balance: $500

Monthly Service Charge: $6.00 Waived with minimum daily balance of $500

Earns Interest: Yes, $500 minimum daily balance required.

Features:

  • Clients 55 and older receive complimentary CFB logo checks
  • Complimentary first box of CFB logo checks (please order through your local branch)
  • Complimentary overdraft protection from a linked checking or savings account
  • Financial Records Safekeeping

Community Savings:

Min. Opening Balance: $200

Monthly Service Charge: $2.00 Waived with minimum daily balance of $200. Waived if under age 18.

Earns Interest: Yes

Features:

  • Unlimited withdrawals with no fee when you come in person to a branch. Savings/money market account withdrawals are limited by federal regulations. You may make no more than six (6) pre-authorized, automatic, electronic, ACH, telephone, online or wire withdrawals or transfers, or payment by check, debit card, or similar order payable to third parties per monthly statement cycle. Additional withdrawals are $10.00 per item.

Community HSA Checking:

Min. Opening Balance: $100

Monthly Service Charge: $2.25 Waived with minimum daily balance of $3000

Earns Interest: Yes interest on tiered balances.

Features:

  • HSA contributions are tax deductible
  • HSA earnings are tax deferred
  • If used for qualified medical expenses, assets are never taxed
  • Debit Card access/check writing capabilities

Community Money Market:

Min. Opening Balance: $500

Monthly Service Charge: $9.00 Waived with minimum daily balance of $500.

Earns Interest: Yes interest on tiered balances

Features:

  • Unlimited withdrawals with no fee when you come in person to a branch. Savings/money market account withdrawals are limited by federal regulations. You may make no more than six (6) pre-authorized, automatic, electronic, ACH, telephone, online or wire withdrawals or transfers, or payment by check, debit card, or similar order payable to third parties per monthly statement cycle. Additional withdrawals are $10.00 per item.

Certificate of Deposit:

Min. Opening Balance: $100

Monthly Service Charge: None. Penalty imposed for early withdrawal

Earns Interest: Yes

Features:

  • Competitive Rates
  • Low opening balance

“I like being supported by another local business, a small business like myself, where the employees—and even the President—greet me when I walk in the door, regardless of which branch I am in.”

Carlos Martinez
Owner, DuraShine Clean

“Over the years, we’ve developed a great relationship with Community First. I’m so comfortable with the whole team. They are more than just your 8-5 bank. They always do what’s necessary to help us out, no matter what time it is.”

Eric Mauseth
Co-Owner, Ed Poe Agency

“I appreciate the phenomenal customer service and personal greeting I receive from Miriam and the Community First Bank team when I go into the bank. Whether working with the commercial loan department, online banking or courier service, each individual is warm and welcoming.”

Tim Hines
Owner, Domino’s Pizza

Order Checks

Out of checks and need to reorder? Click the Order Checks button below to order your checks conveniently online! If you’re 55 and older, you’re eligible to receive complimentary free checks by visiting one of our local branches today!

Order Checks
Over 55? Get Free Checks