Checking Account Solutions
Which checking account meets your financial needs?
Compare them below.
| ACCOUNT | TOTALLY FREE CHECKING | NOW ACCOUNT | INSURED MONEY MARKET ACCOUNT** | HOMETOWN ACCOUNT |
| An account designed for: | Customers looking for no monthly service fee with no minimum balance required | Customers wanting an interest earning account with unlimited check writing abilities for lower combined balances | Customers wanting to earn higher interest with limited transaction activity | Customers wanting to earn interest and get benefits and discounts |
| Interest | No | Yes | Yes | Yes |
| Monthly Service Fee | No fee | Fee waived with minimum balance. Otherwise $2.00 | Fee waived with minimum balance. Otherwise $2.00 | Fee waived with minimum balance. Otherwise $10. |
| Minimum Daily Balance Required (to waive the monthly fee) | Not applicable | $500 | $1,000 | $2,000 in combined balances |
| Free Checks | Yes | No* | No* | Yes |
| ATM & Check Card | Free | Free | Free | Free |
| CCB Visa Credit Card Available | Yes | Yes | Yes | Yes |
| Free Secure Online Access | Yes | Yes | Yes | Yes |
* First set of checks free on all new accounts.
** Under Federal Regulation, transfers from a Money Market Account to
another account or to third parties by preauthorized, automatic or telephone
transfer are limited to six per month with no more than three by check,
draft or similar order to third parties. If this limitation is exceeded
on a regular basis, we are required to convert your account to another
account that permits unlimited check writing privileges.
SAVINGS ACCOUNTS
Our basic savings accounts are designed for our
customers who wish to save with nominal requirements for minimum balance.
| Compare Our Savings Options | ||
| Account | Savings | Insured Money Market Account |
| Minimum Opening Balance | $50.00 | $1,000.00 |
| Minimum Balance to Avoid Fees | N/A | $1,000.00 |
| Monthy Fees/Penalities | $1.00 if more than 2 withdrawals per month | $2.00 if minumum balance is not maintained. |
| Withdrawals | Limited to 6 withdrawals per month. | Check writing available, six third party withdrawals per month (only 3 may be checks). |
We hope the following on-line calculators can help solve some of your savings questions.
Investment
analysis calculator.
How
can I save a million dollars?
Investment
yield calculator.
Simple
savings goal calculator.
How
much money could I save?
What
interest rate would I need?
How
much money would I need to start with?
How
much would I need to save each month?
