PERSONAL CHECKING | BUSINESS CHECKING | INTEREST-BEARING CHECKING

Personal Checking

Totally Free Checking

• Minimum Balance to open is $100
• No monthly fee
• First 8 checks are free
• Unlimited deposits, withdrawals, and checks
• Monthly imaged statement

Community CLUB Checking

• Minimum balance to open is $100
• Monthly fee is $7
• No fee for CLUB checks, Cashier’s checks, or Traveler’s Checks
• Unlimited deposits, withdrawals, and checks
• Accidental Death Insurance
  • Not a deposit
  • Not FDIC-Insured
  • Not insured by any Federal Government Agency
  • Not Guaranteed by the Bank
  • May go down in value
• Travel Discounts
• Shopping Discounts
• Monthly imaged statements

Community Senior Club Account (Available to age 55 or older)

• No fee
• Free Checks
• Imaged Statements
• Interest paid when balance is over $2,000
• Quarterly Trips

Master Money Debit Card (subject to credit approval)

• The convenience of a credit card, but works like a check. The money is deducted from your checking account. Also serves as your ATM Card.

Overdraft Protection

• Choose from either a Personal Line of Credit (subject to credit approval) or an Automatic Transfer from Savings

Internet Banking - www.communitybankotc.com

• Full Access to all personal and business accounts
• On-Line Bill Payment
• Mortgage Loan Pre-Application
• Education Loan Links
• Insurance Links

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Business Checking

Small Business Checking (less than 100 total items each month)

• $6 monthly charge
• Balance does not earn interest
• Sweep accounts available for Line of Credit and Investment Accounts

Commercial Checking (more than 100 total items each month)

• Analyzed Account with Compensating Balances available
• Zero Balance Account Available for payroll and interoffice transfers
• Sweep Accounts available for Line of Credit and Investment Accounts

Other Business Checking Account Services

Overdraft Protection

• Choose from either a personal Line of Credit (subject to credit approval) or an Automatic Transfer from Savings

Sweep Accounts

• Our Sweep Account allows us to help you manage your cash-flow and investment needs. We’ll maximize your interest earnings and save you money on interest costs using a combination of accounts specifically designed to fit your business needs.

Inter Account Transfers

• Transfers between accounts are easy to take care of… in person, over the phone, or through our Internet Banking Website.

For Customers that take credit cards, we offer a Merchant Credit Card Service, at a handsome discounted rate with electronic machines and quick access to your deposited funds.

In accordance with the reqirements of the Unlawful Internet Gambling Enforcement Act of 2006, this notice it to inform you that transactions in which a person accepts credits, funds, instruments, or orhter proceeds from another person in connection with unlawful internet gambling activities are prohibited from being processed through your account with our institution.

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Interest-Bearing Checking

Interest Checking

• Minimum balance to open is $1,000
• Balance earns interest
• Unlimited deposits, withdrawals, and checks
• No monthly fee if you maintain an account balance of $1,000 or more, if the balance falls below $1,000 a $10 monthly service charge will be assessed.
• Interest paid monthly
• Monthly imaged statement

Money Market Checking

• Minimum balance to open is $2,500
• Balance earns interest
• Unlimited deposits and over the counter withdrawals
• Limit of 6 checks per month of which 3 can involve a third party
• No monthly fee if you maintain an account balance of $2,500 or more, if the balance falls below $2,500 a $10 monthly service charge will be assessed.
• Interest rates are tiered
• Interest paid monthly
• Monthly imaged statement

Sweep Accounts

• Our Sweep Account allows us to help you manage your cash-flow and investment needs. We’ll maximize your interest earnings and save you money on interest costs using a combination of accounts specifically designed to fit your needs.

Inter Account Transfers

• Transfers between accounts are easy to take care of…in person, over the phone, or through our Internet Banking application.

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