The Community Bank offers a full range of banking products and services. To learn more, see one of our customer services representatives today or contact us by email

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• Overdraft Privilege - more>>
  (Subject to approval. Some restrictions apply).
• Personal DDA Accounts:
  • Regular Checking Accounts
    • $100 minimum opening deposit
    • $500 minimum balance to avoid service charges
      • For balances of $400 – 499.99 the service charge is $2.00
      • For balances of $300 – 399.99 the service charge is $3.00
      • For balances of $200 – 299.99 the service charge is $4.00
      • For balances of $100 – 199.99 the service charge is $5.00
      • For balances of $99.99 and Below the service charge is $6.00
    • If minimum balance of $500 is not maintained, the following charges apply:
      • After the 20th check, a charge of $0.25 for each additional check
      • Foreign ATM charges are $0.90
    • No charge at TCB ATMs
    • Debit card is available for those who qualify
  • Senior Checking Account
    • $100 minimum opening deposit
    • Must be at least 55 years of age
    • No monthly service fee
    • Foreign ATM charges are $0.90
    • TCB ATMs can be used without a charge
    • Debit card is available for those who qualify
      
      *Free Services
      • Free Checking
      • Free Checks (TCB style only)
      • Free Cashier’s Checks, Traveler’s Checks for one, and Notary Service
      • 1/10% Higher CD rates
      • 25% Discount on Safe Deposit Boxes
  • Community Choice
    • $100 minimum opening deposit
    • Flat fee of $10 per month
    • Unlimited check writing
    • Unlimited usage AT The Community Bank’s ATMs
    • Foreign ATM charges are $0.90
    • Debit card is available for those who qualify
  • Economy Checking
    • $100 minimum opening deposit
    • $4.95 monthly service charge
    • Write up to 10 checks free, $0.50 for each check after
    • NO ATM charges
    • Debit card available for those who qualify
  • Free Checking
    • $25 minimum opening deposit
    • No monthly service charge
    • Unlimited check writing
    • Unlimited usage at TCB ATMs
    • Foreign ATMs are $0.90
    • Debit Card available for those who qualify
    • First order of checks is free (Duplicate Independence)
      
      Restrictions
      • Requires use of duplicate checks
      • Statements only, no cancelled checks or images returned
  • Premium Interest Checking
    • $1,000 minimum opening deposit
    • Interest is only earned on balances of $1,000 and over
    • Tiered Interest Rates:
      • Tier I: Balances of $1,000 – $9,999.99
      • Tier II: Balances of $10,000 - $24,999.99
      • Tier III: Balances of $25,000 and above
    • If minimum balance of $1,000 is not maintained the following charges may apply:
      • $7.50 service charge
      • $0.25 per check after the 15th check each statement period
      • ATM charges for foreign ATM‘s $0.90
  • Now Account
    • $1,000 minimum opening deposit
    • Interest is only earned on balances $1,000 and over
    • If minimum balance of $1,000 is not maintained the following charges may apply:
      • $7.50 service charge
      • $0.25 per check after the 15th check each statement period
      • ATM charges for foreign ATM‘s $0.90
  • Super Now Account
    • $2,500 minimum opening deposit
    • Interest is only earned on balances $2,500 and over
    • If minimum balance of $2,500 is not maintained the following charges will apply:
      • $7.50 service charge
      • $0.25 per check after the 15th check each statement period
      • ATM charges for foreign ATM’s $0.90
  • Money Market
    • $2,500 minimum opening deposit
    • Interest is only earned on balances of $2,500 and over
    • If minimum balance of $2,500 is not maintained the following charges will apply:
      • $10.00 service charge
      • ATM charges for foreign ATM’s $0.90
      Restrictions
      • Limited to 6 preauthorized transfers per statement cycle
        • No more than 3 of the 6 transfers may be by check draft, debit card, or similar order made to third parties
        • Any transactions beyond these limitations will subject your account to a $10 excessive transaction charge
  • Preferred Money Market
    • $10,000 minimum opening deposit
    • Interest is only earned on balances of $10,000 and over
    • If minimum balance of $10,000 is not maintained the following charges will apply:
      • $10.00 service charge
      • ATM charges for foreign ATM’s $0.90
      Restrictions
      • Limited to 6 preauthorized transfers per statement cycle
        • No more than 3 of the 6 transfers may be by check draft, debit card, or similar order made to third parties
        • Any transactions beyond these limitations will subject your account to a $10 excessive transaction charge
  • Prime Preferred Money Market
    • $25,000 minimum opening deposit
    • Interest is only earned on balances of $25,000 and over
    • Tiered Interest Rates:
      • Tier I: Balances of $25,000 – 49,999.99
      • Tier II: Balances of $50,000 - $99,999.99
      • Tier III: Balances of $100,000 and Above
    • If minimum balance of $25,000 is not maintained the following charges will apply:
      • $10.00 service charge
      • ATM charges for foreign ATM’s $0.90
      Restrictions
      • Limited to 6 preauthorized transfers per statement cycle
        • No more than 3 of the 6 transfers may be by check draft, debit card, or similar order made to third parties
        • Any transactions beyond these limitations will subject your account to a $10 excessive transaction charge
• Personal Savings Accounts:
  • Regular Savings Accounts
    • $200 minimum opening deposit
    • 2 free withdrawals per month, each additional withdrawal is $2.00
    • For balances below $200:
      • no interest will be earned
      • $4.00 per month service charge
    • Interest is credited Quarterly (March 31, June 30, September 30, December 31)
  • Youth Savings Account
    • $25 minimum opening deposit
    • 2 free withdrawals per month, each additional withdrawal is $2.00
    • No service charge
    • Interest earned on balances of $25 or more
    • If the balance falls below $25 the account will close and no interest will be earned
  • Individual Retirement Accounts (IRA)
    • $500 minimum opening deposit
    • May be transferred from another bank or a rollover over from a qualified plan
    • Annual contribution limits depending on age and type of account
  • Certificate of Deposit (CD)
    • $1,000 minimum opening deposit
    • Interest may be credited one of the following ways:
      • To the certificate
      • By a check
      • To another TCB account
    • Interest payment frequency may be the following:
      • Monthly
      • Quarterly
      • Semiannually
      • Annually
      • At Maturity
    • Subject to a penalty for early withdrawal
• Business Products:
  • Commercial Checking Account
    • $100 minimum opening deposit
    • Monthly maintenance fee is $10
    • The following Analysis Charges will apply:
      • Credits: $0.10
      • Debits: $0.25
      • Cash deposit per $100: $0.25
      • ACH debit or credit: $0.03
      • Change order: currency per $100: $0.25, rolled coin per roll: $0.07
      • Deposit corrections $5.00
    • The bank will allow an investment earnings credit for balances maintained in the account during the statement cycle. This earnings credit will reduce monthly analysis charges. The earnings credit rate is based on the 90 Day Treasury Bill Rate and is subject to change. The account is debited on the last business day of the month for any charges incurred during that month.
  • Small Business Checking Account
    • $100 minimum opening deposit
    • To avoid ALL charges a $2,500 minimum balance is required
    • Charges apply if the balance falls below $2,500 at any time during the statement cycle:
      • Base service charge $10
      • $0.15 per item debit or credit
  • Community Flat Fee Checking Account
    • $100 minimum opening deposit
    • No minimum balance is required
    • Monthly service charge is $15
    • This account is available only to Sole Proprietors/DBAs and Partnerships
  • Business Now Account
    • $1,000 minimum opening deposit
    • Interest earned on balances of $1,000 and over
    • If minimum balance of $1,000 is not maintained, the following charges apply:
      • $7.50 service charge
      • $0.25 per check after the 15th check each statement cycle
  • Business Super Now Account
    • $2,500 minimum opening deposit
    • Interest earned on balances of $2,500 and over
    • If minimum balance of $2,500 is not maintained, the following charges apply:
      • $7.50 service charge
      • $0.25 per check after the 15th check each statement cycle
  • Business Money Market Account
    • $2,500 minimum to open
    • $10 service charge for balances that fall below $2,500
      Restrictions: Limited to 6 preauthorized transfers per statement cycle
      • No more than 3 of the six transfers may be by check, draft, debit card, or similar order made to third parties
      • Any transactions above theses limitations: $10 per excessive transaction
      • Interest earned on balances of $2,500 and over
      • ATM charges apply if the balance falls below $2,500 at any time
        • $0.90 for foreign ATM’s
  • Business Preferred Money Market Account
    • $10,000 minimum to open
    • $10 service charge for balances that fall below $10,000
      Restrictions: Limited to 6 preauthorized transfers per statement cycle
      • No more than 3 of the six transfers may be by check, draft, debit card, or similar order made to third parties
      • Any transactions above theses limitations: $10 per excessive transaction
      • Interest earned on balances of $10,000 and over
      • ATM charges apply if the balance falls below $10,000 at any time
        • $0.90 for foreign ATM’s
  • Business Prime Preferred Money Market Account
    • $25,000 minimum to open
    • $10 service charge for balances that fall below $25,000
    • Rates tied to the Prime Rate as published in the Wall Street Journal
    • For balances of $100,000 and over: Rate is 60% of Prime
    • For balances of $50,000 - $99,999.99: Rate is 50% of Prime
    • For balances of $25,000 - $49,999.99
      Restrictions: Limited to 6 preauthorized transfers per statement cycle
      • No more than 3 of the six transfers may be by check, draft, debit card, or similar order made to third parties
      • Any transactions above theses limitations will subject your account to a $10 charge per excessive transaction
      • Interest earned on balances of $10,000 and over
      • ATM charges apply if the balance falls below $10,000 at any time
        • $0.90 for foreign ATM’s
  • Business Savings Account
    • $200 minimum to open
    • 2 free withdrawals per month, each additional withdrawal is $2.00
      For balances below $200:
      • No interest is earned
      • $4.00 monthly maintenance charge
  • Business Certificate of Deposit (CD’s)
    • $1,000 minimum to open
    • Interest can be credited to the account, by check or to another TCB account
    • Interest payment frequency can be monthly, quarterly, semiannually, annually, or at maturity
    • CD’s are subject to a penalty for early withdrawal
• IRA Account
• All Types of Loans:
  • Consumer Loans
  • Commercial Loans
  • Construction Loans
  • Mortgage Loans
  • Equipment Leasing/Loans
  • Home Equity Loans
• Safe Deposit Boxes
• ATM's at all locations
• 24-Hour Telebanking @ (404) 872-4811