FDIC-Insured - Backed by the full faith and credit of the U.S. GovernmentSmall Business Checking
Our small business checking solution includes many conveniences.
Features
$100 minimum opening deposit
$25 discount on first order of checks
No minimum balance to maintain
No monthly service charge
Unlimited deposits
Online Banking, Bill Pay
Mobile Banking, Mobile Bill Pay, & Mobile Deposit (exceptions may apply)
Instant issue debit card
First 100 checks paid per month - No charge
Over 100 - $0.35 each
First 100 checks deposited per month - No charge
Over 100 - $0.35 each
Notifi Real-Time Account Alerts
Two-Way Text Fraud Alerts
e-Statements
$3 monthly paper statement fee (unless enrolled in e-Statements)
Community Checking
Basic checking services for Civic Groups, Clubs, etc.
Features
$100 Minimum opening deposit
No minimum balance requirement
Non-interest bearing
No per-check charge
Online Banking, Bill Pay
Mobile Banking, Mobile Bill Pay, Mobile Deposit (exceptions may apply)
$3.00 maximum monthly service charge (based on average balance)
Notifi Real-Time Account Alerts
Two-Way Text Fraud Alerts
e-Statements
Business Checking
For businesses that process a much higher volume of transactions, we offer analysis business checking with the following benefits.
Features
Online Banking, Bill Pay
Mobile Banking, Mobile Bill Pay, & Mobile Deposit (exceptions may apply)
Instant issue debit card
No monthly service charge provided you maintain a sufficient balance to cover account activity.
Earnings credit (based on money market conditions) is computed on the loanable account balance that is used to offset or eliminate monthly fees
If applicable, the overdraft available balance rate is 15%
Net effect of loanable balance and account activity will determine the charge, if any, on the account
$3.00 monthly paper statement fee (unless enrolled in e-Statements)
Notifi Real-Time Account Alerts
Two-Way Text Fraud Alerts
e-Statements
The below chart is only an example of checking analysis with earnings credit:
| Account Activity | Charge |
|---|---|
| Checks/Debits Paid (per item) | $0.14 |
| Items Deposited | $0.14 |
| ACH Items Paid | $0.07 |
| Account Maintenance | $10.00 |
| Incoming Wire | $15.00 |
| Outgoing Wire | $25.00 |
| FDIC Insurance per $100 Ledger Balance | $0.06 |
| Negative Collected Balance Rate | Variable Rate |
Example
| Account Activity | Charge |
|---|---|
| Average Collected Balance | $8,000.00 |
| Less 15% of Balance | -$1,200.00 |
| Loanable Balance for Earning Credit Calculation | $6,800.00 |
| Earning Credit Available to Reduce Service Charges Assume .30% for Earning Credit Rate) Based on Money Market Conditions | $1.68 |
Assumed Activity
| Account Activity | Charge |
|---|---|
| 150 Checks/Debits Paid @ $0.14 | $21.00 |
| 100 Items Deposited @ $0.14 | $14.00 |
| Account Maintenance | $10.00 |
| 2 Incoming Wires @ $15.00 | $30.00 |
| FDIC Insurance | $0.42 |
| Total Charges | $75.42 |
| Net Service Charge (Total charges of $75.42 less Earning Credit of $1.68) | $73.74 |
Additional Services
Deposits 24/7
CCB's ATM is available at all branch locations. Just use your Debit Card and PIN code, which eliminates the need for a deposit slip or envelope. Missed the 5:00 p.m. branch deposit cut-off? You can deposit your funds up to 6:00 p.m. for
Direct Deposit
A fast and safe way to deposit money into your account automatically.
Other Services:
Safe Deposit Boxes
Cashier's Checks
Bank by Mail
After-Hours Depository
ATM Accel/Pulse/Cirrus Networks at Bank Locations