Personal Banking Services

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CCB offers a range of product and services to meet your needs.

  • Checking. Personal checking accounts that keep life simple and convenient.
  • Community Hero Checking. Special checking for Active and retired Military, Educators, Firefighters, Law Enforcement, Healthcare Workers, and Emergency Service Workers.
  • Savings, Money Market, CDs, IRAs & CDARs. We offer a range of savings products to help you reach your financial goals.
  • Koala Club Green Savers. A special savings account that's just for kids.
  • Personal Loans. From a new home, to a new car, our team will work with you to help you achieve your financial dreams with terms you can live with.
  • Debit, Gift/Travel & Credit Cards. Explore our selection of convenient cards.

Get all the benefits you need to start saving today!

Your BenefitsUltimate CheckingRelationship CheckingEZ Checking
Earns Interest    checkmark  
Online Banking with Bill Pay  checkmark  checkmark  checkmark
Mobile Banking with SMS Text & Bill Pay  checkmark  checkmark  checkmark
Mobile Deposit
(Certain qualifications will apply)
checkmark checkmark   checkmark
Instant Issue Debit Card  checkmark  checkmark checkmark 
First box of checks free
(standard singles only)
 checkmark  checkmark  First box of checks free for Customers 65+
(standard singles only)
Cell Phone Protection  checkmark    
$10,000 Travel Accidental Death Insurance  checkmark    
Roadside Assistance  checkmark    
Shopping, Dining & Travel Discounts  checkmark    
Grocery Coupons  checkmark    
Pharmacy, Vision & Hearing Savings  checkmark    
ID Monitoring  checkmark    
ID ProtectALL Package  checkmark  checkmark  checkmark
Monthly Service Charge and
Other Requirements
 $6
Reduced by $3 for 20+ debit card transactions, and reduced by $3 for eStatements to
$0 
 $7.75
or $0 with a $1,500 average monthly balance or
$25,000 relationship balance. 
$3
or $0 with eStatements
$0
for Customers 65+ 

See what the BIG deal is all about.

Want to recieve amazing weekly deals and try out the BaZing experience?

Ask us for a BaZing registration code today so you can sign up!

BaZing-Web-Button

Special checking for Active and retired Military, Educators, Firefighters, Law Enforcement, Healthcare Workers, and Emergency Service Workers.

Your BenefitsCommunity Hero UltimateCommunity Hero
Earns Interest on collected balances over $1,500  checkmark checkmark
Online Banking with Bill Pay checkmark  checkmark
Mobile Banking with SMS Text & Bill Pay checkmark checkmark 
Mobile Deposit1  checkmark  checkmark
Instant Issue Debit Card  checkmark  checkmark
First box of checks free (standard singles only)  checkmark  checkmark
Reimbursement of foreign ATM Fees2  checkmark  checkmark
Cell Phone Protection  checkmark  
$10,000 Travel Accidental Death Insurance  checkmark  
Roadside Assistance  checkmark  
Shopping, Dining & Travel Discounts  checkmark  
Grocery Coupons  checkmark  
Pharmacy, Vision & Hearing Savings  checkmark  
ID Monitoring  checkmark  
ID ProtectALL Package  checkmark  checkmark
Free Savings w/No Bounceproof Fees3  checkmark  checkmark
Discounted Rate on Overdraft Protection Loan4  checkmark  checkmark
Travel Card w/No Intial Set-up Fee  checkmark  checkmark
Monthly Service Charge and
Other Requirements
 $6
Reduced to $3 for 20+ debit card transactions, and reduced $3 for eStatements to
$0 
 $0

1 Certain qualifications will apply
2 Up to $20 in surcharge fees per month 
3 Limit nine withdrawals per quarter; $2 fee for each withdrawal in excess of nine.
4 Subject to credit approval

See what the BIG deal is all about.

Want to recieve amazing weekly deals and try out the BaZing experience?

Ask us for a BaZing registration code today so you can sign up!

BaZing-Web-Button
Girl kissing cheek

Personal Savings Accounts

Investing in your future is a decision you can feel good about. From financing your child's education to planning for early retirement, it's an opportunity you can't afford to ignore. It's never too late to start saving today to have an even greater tomorrow.

REGULAR SAVINGS

  • $200 minimum initial deposit
  • $200 minimum balance
  • $6.00 quarterly service charge when less than $200 daily balance
  • Interest variable
  • Statements quarterly - Interest paid quarterly
  • After 9 withdrawals per quarter - $2.00 per withdrawal
  • Dormant Savings (no deposit or withdrawal in 2 years) $5.00 service charge per month
  • Savings Deposit & Withdrawal Booklet - Current Price

With Online Banking, you can automatically transfer funds from any CCB personal checking account into your Regular Savings.

KOALA SAVERS CLUB (learn more about our club just for kids)

  • $25 minimum initial deposit
  • Interest variable
  • Statements quarterly - Interest paid quarterly
  • After 9 withdrawals per quarter - $2.00 per withdrawal
  • Dormant Savings (no deposit or withdrawal in 2 years) $5.00 service charge per month

MONEY MARKET

Looking to grow your savings at a higher rate and still maintain access? A CCB Money Market account may be the right choice for you!

  • $2,500 minimum opening deposit
  • Maintain $2,500 minimum daily balance*
  • Tiered interest rates (rate may change at any time)
  • Interest accrues daily, and credited monthly
  • Identity Theft Protection (Payment Card Protection, up to $1,000 ID protection, Recovery and Restoration)

* A monthly service charge of $10.00 is charged if Daily Balance is not maintained

CERTIFICATES OF DEPOSIT (CDs)

Get the best return on investment for your money. Invest your funds in a CCB Certificate of Deposit and earn a guaranteed return. From short-term to long-term, Certificates of Deposit (CDs) are smart options to help maximize your return.

We offer a wide range of Certificates of Deposit. You tailor the certificate to fit your investment plan by selecting the maturity date and amount. You may elect to compound interest, receive your interest by check, or direct deposit to another CCB account. Please contact us for current rates. Federal regulations require a substantial penalty if funds are withdrawn before the maturity of any Certificate or Time Deposit.

IRA's

Make the most of your earnings. An individual retirement account (IRA) can help you work toward a financially secure retirement. A CCB IRA allows you to build savings in a federally insured and tax-advantaged account. Deposits are insured to the maximum allowable amount by the FDIC. Start saving right away to make the most of your earnings. To learn more about our IRAs, speak with one of our Customer Service Representatives at one of our banking locations.

CDARS

The Certificate of Deposit Account Registry Service® is the most convenient way for safety-conscious investors to access FDIC insurance on multi-million-dollar deposits. When you place a large deposit with a CDARS Network member, CCB uses the CDARS service to place your funds into CDs issued by other members of the CDARS Network. This occurs in increments below the standard FDIC insurance maximum ($250,000) so that both principal and interest are eligible for FDIC insurance. By working directly with just one institution, you can receive insurance coverage from many. And, you receive just one regular consolidated account statement.

Koala_Cool_Rounded

The Koala Club is a special savings account that's just for kids, so it's fun, yet educational as well. In fact, it's the coolest club in town!

How Can You Join the Koala Club?

Simply stop by CCB Community Bank with an adult and say, "I'd like to be a Koala Club Saver!" An opening deposit of $25.00 and your social security card is required. Then, we'll help you with your deposit and show you how interest helps your money grow month by month.

Saving Money is Wildly Exciting

To help you track your progress, you'll receive a special Koala Club Saver statement book. Every time you make a deposit or withdrawal to your Koala Club Account, we'll help you record it in your statement book. Pretty soon, you'll discover that a small amount of money saved up a little each week or month can add up to a lot of money.

Become a Koala Club member and enjoy these Saver benefits:

  • Free Koala Club T-Shirt
  • Statement Book
  • Good Grade Rewards!
  • A Special Gift with Each Deposit
  • Special Magazine Subscription (when you reach a savings goal of $100 or more)
  • Koala Certificate of Deposit (CD) available ($500 or more)

What are you waiting for?  Become a Koala Club Member Today?

Heart house

At CCB, one of our greatest strengths is our local community banking philosophy, where decisions are made quickly and loans can be approved at a moment's notice.

Whether you're planning a vacation, buying a car, purchasing a home or taking on a home improvement project, we can help find the loan that best fits your financial needs. We'll help you choose a loan with the interest rate and flexibility for your lifestyle and budget.

We provide the following personal loans:

  • Auto Loans
  • Recreational Vehicle Loans
  • Home Improvement Loans
  • Personal Credit Line Loans
  • Home Equity Loans
  • Mortgage Loans - we offer competitive fixed rate mortgages

Click here to learn about our mortgage loan originators »

For more information or current interest rates, select Contact Us for contact information.

Loans subject to credit approval. Equal Housing Lender

Insurance

If you desire, you may add credit life insurance to your loan to provide additional financial security.

Debit, Gift/Travel & Credit Cards

merchant services

MasterCard Debit/ATM Cards

With the convienence of "Instant Issue," CCB's Debit/ATM Card eliminates the need to write checks for your purchases. As easy to use as a credit card, it works like a check and can be used anywhere MasterCard is accepted. When you use your debit card, funds are instantly deducted from your checking account. Your transaction is listed on your checking account statement just like a check, including transaction date and place of purchase. Plus, you can use your debit card to get a cash advance from any of thousands of ATMs worldwide.

  • Use Your CCB Debit/ATM Card...to get cash, make deposits, transfer funds or access balance inquiries at a CCB ATM
  • No fee for ATM transactions at CCB machines
  • Fees may be assessed when card is used at a non-CCB Community Bank ATM

MasterCard SecureCode

At CCB Community Bank, we are concerned about the security of your financial information. Therefore, when you use your CCB Debit Card online from one of the participating registered MasterCard vendors for the first time, you will be given the option to sign up for 'MasterCard SecureCard.' The transaction will then proceed when the self-assigned password is entered.

If you would like to register now for MasterCard SecureCode CLICK HERE

To Report a Lost or Stolen CCB Community Bank Debit Card

To report a lost or stolen CCB Community Bank Debit/Check Card after business hours, please contact a representative at 1-800-754-4128. Be sure to identify as CCB Community Bank Debit Card.

CCB's Visa or MasterCard Credit Cards

Adding a CCB credit card as part of your banking relationship also helps you keep your finances organized and all in one place. 
With www.myCardStatement.com, you can access your account information anywhere, anytime- 24 hours a day, 7 days a week.
View balance and payment information, transaction history, statement images and make payments online.

Subject to credit approval
The rate will not increase while the plan is open.

Report A Lost or Stolen CCB Community Bank Credit Card

To report a lost or stolen CCB Visa or MasterCard after business hours, please contact a representative at 1-800-423-7503.

CCB Visa Gift Cards

Don't know what to get that special someone? You don't have to go further than your local CCB location to pick-up a gift for any occasion. Gift cards are available for our customers in any denomination of $10 to $1,000. A CCB gift card fits any budget and can be used at any merchant where VISA is accepted.

CCB Visa TravelMoney

Carry the card with the security of travelers cheques and the convenience of a Visa card. And that's just the beginning of the benefits you'll enjoy. Visa TravelMoney is easy to use to make purchases worldwide and reloadable from anywhere. (Only available for CCB Customers)

Account Transfer By Phone   $ 3.00
Bank Wires (outgoing) Customer $12.00
Bank Wires (incoming) Customer $10.00
Bounce-Proof per transfer   $5.00
Cashiers (Official Checks) Customer $5.00
Christmas Savings Early Withdrawal   $10.00
Closed Account Fee (within 6 months after opening)   $25.00
Coin/Currency Strap/Roll-each   $0.25
Collection Items    
Incoming   $20.00
Outgoing   $10.00
Foreign Incoming/Outgoing   $20.00
Deposit Correction   $3.00
Dormant Account Fee - No Account Activity
Non-Interest checking after 1 year
Interest Checking and/or savings after 2 years
  $5.00
Garnishment or Levy   $75.00
Insufficient Funds/Overdraft   $32.00
In Overdraft 5 days or more   $3.00 Daily
Night Depository Bag w/key   $25.00
(extra key $5.00)
Night Depository Bag Zip   $5.00
Replacement: CheckCard/ATM Card   $5.00
Loan Payment Coupon Book   $5.00
Research (per hour)
one hour minimum
Plus $1 per copy $25.00
Returned Deposit Items   $5.00
Special Statements Without Enclosures   $4.00
With Enclosures   $5.00
Statement Print-out    
Pick-up or Fax   $5.00
Long Distance Fax Statement   $10.00
Current Account Print Out   $3.00
Statement CD disc w/images   $25.00
Stop Payments   $32.00
Temporary Checks - Per Page (4 checks) Minimum charge $1.00
Two-Signature Service Monthly Fee   $25.00
VISA Gift Card   $2.99
VISA Travel Card (re-loadable)   $3.99
 einsteinLogo

 

  • Deposits 24/7 - CCB's Intelligent Teller Machine (iTM), is available at our Andalusia and Niceville locations. All you need is your Debit Card and your PIN code. the iTM eliminates the need for a deposit slip or even an envelope! Missed our 5:00 PM branch deposit cut-off? Just use Einstein to deposit your funds up to 6:00 PM for "same day business."
  • Online Banking - 24-hour secure access to real-time account information from the convenience of your personal computer.
  • Online Bill Pay - Simply the best way to manage your payments. Our bill pay also features Popmoney, person-to-person digital payments.
  • Mobile Banking - the ultimate on-demand service using your mobile browser or our convenient APP. With it you can monitor your accounts, receive alerts, transfer funds, and even pay your bills.
  • Mobile Capture Deposit - Securely deposit checks using your smartphone! Just snap two pictures of your check, choose your account, and your deposit is complete!(subject to approval)
  • 24-Hour Telephone Banking - available with most accounts and lets you listen to your account balances and history or transfer money between accounts. Current customers can access this 24/7 by calling 334.427.0603 or 1.800.817.1789.

Overdraft Protection Loan

A personal unsecured loan approved for you for bounce proof protection. It comes with a convenient repayment plan with a competitive fixed interest rate and a low annual membership fee. And, knowing the freedom and convenience of having cash fund at your command for special purchases, emergencies, or protection from overdrawing your checking account.

Subject to credit approval

Direct Deposit

Hundreds of our customers have learned the conveniences of having their monthly checks deposited directly to their checking or savings account. Direct deposit can also be quickly arranged for government checks.

Additional Services

  • Safe Deposit Boxes
  • Cashier's Checks
  • Bank by Mail
  • After Hour Depository
  • ATM Cirrus Network at Bank Locations