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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. Protect yourself from overdrafts by linking an additional CFB account. 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

Green and yellow All Point Network Plus logo.
Gray and orange logo of Card Valet services.

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
  • Clients 55 and older receive complimentary CFB logo checks (please order through your local branch)
  • Financial Records Safekeeping
  • $2 fee for check imaging on your bank statement
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
  • Check imaging available on bank statements
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. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by Community First Bank.
Community HSA Checking $100 $2.25 Waived with minimum daily balance of $3000 Yes
interest on tiered balances. $500 minimum daily balance required.
  • 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
  • Check imaging available on bank statements
Community Money Market $500 $9.00 Waived with minimum daily balance of $500. Yes
interest on tiered balances. $500 minimum daily balance required.
  • 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. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by Community First Bank.
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:

  • 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

Branch Managers

Branch Manager, Pasco

Brenda Bravo

Brenda brings nearly 16 years of experience in the banking industry to her role as Pasco Branch Manager. As a Tri-Cities native, Brenda is passionate about giving back to the community she calls home and is committed to providing each client with customized financial solutions. When Brenda isn’t working she enjoys spending time with her husband of 20 years, her two children, shopping and traveling.

bbravo@community1st.com

509.735.5002

 

Branch Manager, Richland

Maggie Gourley

Maggie brings over 20 years of banking and lending experience to her role as Manager of the Richland Branch. Maggie is passionate about the client experience and understands that our clients represent the single most valuable asset an organization can have. A Washington State native, Maggie grew up in Prosser where she met her high school sweetheart, Joshua. The pair have now been married for over two decades and together have raised three children. In her spare time, Maggie enjoys watching true crime (she considers herself an armchair detective.) When she isn’t busy sleuthing, she enjoys spending time with her family, kayaking and running.

mgourley@community1st.com

509.222.2250

 

Branch Manager, Kennewick

Brandi Hilmes

With more than 18 years of experience in community banking, Brandi is passionate about serving her clients and community in her role as Kennewick Branch Manager. Brandi’s expertise and focus is in bank operations, and she truly believes that leading a team that provides exceptional client service is the most rewarding part of her career.

Brandi is actively involved in the community, serving on the board of Soroptimist International of Three Rivers. In her spare time she enjoys baking, reading and spending time with her family.

bhilmes@community1st.com

509.820.4016

 

Branch Manager, AVP, Connell

Molly Kunkel

Molly brings over 40 years of experience in the banking industry to her role as Assistant Vice President and Branch Manager for Connell. As a Connell native, she is actively involved in her community and has served on the North Franklin School Board, Connell Planning Commission, Connell Fall Festival Committee and the Connell Downtown Development Association. Molly is passionate about working for a locally owned bank and enjoys helping her clients and community achieve their financial goals.

mkunkel@community1st.com

509.234.2265

 

Relationship Manager, VP

Miriam Coffman

As Vice President and Relationship Manager, Miriam is responsible for developing and deepening client relationships. A graduate of Washington State University (Go Cougs!) with over 20 years of experience in the banking industry, Miriam is passionate about creating customized banking solutions for her clients. When she isn’t working, Miriam enjoys spending time with her family (husband and two boys), traveling and playing with the family dog, Dutch.

mcoffman@community1st.com

509.222.2251

“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