Our Story & History

Our Story began in July 1947 when 6 local investors, with $170,000 in capital, launched the dream of a hometown bank in Andalusia AL. We started a tradition of going the extra mile for our customers which continues today. Our goal was to be progressive and prosperous so we could re-invest in our communities

We always took pride in being first. Did you know, way back when, CCB was the first community bank in Covington County to provide:

  • An Auto Window for drive-up banking
  • A 24 hour banking mail slot for envelopes
  • Electronic imprinted numbered checks with customer’s names in a matter of minutes
  • Drive-Thru lanes with pneumatic cylinders
  • The BankAmericard, a local credit card that could be used nationally, exclusive for our community
  • To recognize Women as Officers
  • Statement check imaging
  • Mobile Banking

As CCB Andalusia grew, we opened locations in Opp AL, Crestview FL, and Niceville FL, with future plans to open in other markets offering more locations and more convenience.

CCB's a leader in community banks offering a broad array of products and services for consumers and businesses. Through our subsidiary full-service brokerage company, CCB Financial Services, we can meet your diverse financial needs too.

We are proud of our rich history. Our commitment to the financial success of our clients, committed employees, and sound management has been the backbone of our bank's growth and success.

Independent Community Bankers of America® (ICBA) has recognized CCB as a Top Performer based on its earnings and operational efficiencies plus the "Certificate of Appreciation" for 30+ years of supporting the community banking industry.

  1. Personal
    1. Checking
      1. Ultimate Checking
      2. Relationship Checking
      3. EZ Checking
      4. Community Hero Checking
      5. Community Hero Ultimate Checking
    2. Savings
      1. Regular Savings Account
      2. Koala Club Savings
      3. Money Market Account
      4. Certificates of Deposit (CD)
      5. Individual Retirement Account (IRA)
      6. CDARs
    3. Loans
      1. Auto & Recreational Vehicle Loans
      2. Personal Credit Line
      3. Overdraft Protection Loan
      4. Home Loans
      5. Home Equity Loans
      6. Home Improvement Loans
    4. Fee Schedule
    5. Additional Services
    6. Personal Financial Insights
  2. Business
    1. Checking
      1. Small Business Checking
      2. Community Checking
      3. Business Checking
    2. Loans and Credit
      1. Commercial Real Estate Loans
      2. Term Business Loans
      3. Revolving Lines of Credit
      4. Agricultural Loans
      5. Working Capital Loans
      6. Meet Our Lenders
    3. Additional Services
    4. Business Financial Insights
  3. Digital Banking
    1. Personal Services
      1. Online Banking
      2. Online Bill Pay
      3. Mobile Banking
      4. Mobile Deposit
      5. e-Statement
    2. Business Services
      1. Online Banking
      2. Online Bill Pay
      3. Business Mobile Banking
      4. Business Mobile Deposit
      5. Remote Deposit
      6. Cash Management
      7. Merchant Services
    3. Card Services
      1. Debit Cards
      2. Credit Cards
  4. Home Loans
    1. Types of Home Loans
      1. Conventional Fixed Rate Loans
      2. Rural Housing Loans
      3. Adjustable Rate Loans
      4. VA Loans
      5. FHA Loans
      6. In-House Program
      7. Home Improvement Loans
      8. Home Equity Loans
      9. Jumbo Loans
    2. Find a Loan Officer
    3. Tools & Resources
      1. Home Loan Insights
      2. Home Loan Calculators
      3. Glossary & FAQs
      4. NMLS Registry
  5. Investments
    1. Access Your Account
    2. Traditional IRAs
    3. Roth IRAs
    4. Business Retirement Plans
    5. Mutual Funds
    6. Education Savings
    7. Annuities
    8. Meet Our Financial Advisor
    9. News & Media
    10. Advisory Accounts
    11. Bonds
  6. Insurance
    1. Life Insurance
    2. Long Term Care Insurance
    3. Disability Income Insurance
    4. Request a Quote
    5. Meet Our Financial Advisor
  7. Education Center
    1. Personal Financial Insights
    2. Business Financial Insights
    3. Home Loan Insights
    4. Product Demos
    5. Financial Calculators
  8. Customer Care
    1. Our Story & History
    2. Locations & Hours
    3. Bank Holidays
    4. Contact Us
    5. Reorder Checks
    6. Report a Lost or Stolen Card
    7. Change of Address
    8. Community Involvement
    9. Career Opportunities
    10. Privacy and Web Policies
    11. Report Fraud
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