Community First National Bank

Personal Banking

Personal Checking Accounts
Whether you keep a high balance or a lower one, write a lot of checks or very few, we have 5 great checking accounts. One that's just right for your personal checking needs.

Each Community First personal checking account offers:

Free Debit Cards
Free Internet Banking with Bill Pay
$300 Overdraft Privilege - If Eligible
Each overdraft will result in a $25.00 fee
Categories of transactions for which an OD fee may be imposed include: by checks, in personal withdrawals, ATM withdrawals, or by other electronic means
Consumers must repay or cover any overdraft within 30 days
This is a discretionary service, and the bank may refuse to pay an overdraft at any time, even though the account is in good standing and even though the bank may have previously paid overdrafts for you

Community First Free Checking

No minimum balance
No monthly service charge
Unlimited check writing
Free Check Safe-Keeping
Open with $25

Community First Regular Checking

$400 minimum balance
$5 monthly service charge which can be avoided with direct deposit, automatic loan payment, or Check Safe-Keeping
Unlimited check writing
Open with $100

Community First Preferred Checking

No minimum balance
$10,000 accidental death insurance
Unlimited check writing
Earn competitive interest
Free Check order (Corporate Wallet style check only)
Free Cashier's and Traveler's checks
Free Money Order
Open with $50
Small monthly membership fee

Community First High Interest Checking

$1,000 minimum balance
$7.50 monthly service charge if balance drops below minimum
Earn higher interest rate
Unlimited Check writing
Open with $100

Community First Senior Checking

No minimum balance
No monthly service charge
Unlimited check writing
Earn competitive interest
Free check order (Corporate Wallet style check only)
Free Stop Payment orders
Open with $25

Non-Profit Organizations and Churches

We are pleased to offer the COMMUNITY FIRST non-profit / church interest checking account. This account features a competitive RATE OF INTEREST while allowing unlimited check writing privileges. By maintaining a $750.00 minimum balance or $2,000.00 average balance, you will avoid a $7.50 monthly service charge.

Community First Statement Savings
It's easy and convenient to save with the Community First Statement Savings account. Open with only $25 and maintain a minimum balance of $100 to earn competitive interest and avoid a $2 monthly service charge. Fees and minimum balance requirements are waived for children and students under 18.

Community First Money Market Account

Our tiered Community First Money Market account offers a higher rate of interest while enjoying the flexibility of writing three checks per statement cycle. You can also make unlimited in-person withdrawals or transfers. Preauthorized withdrawals and transfers are limited to six during each statement period. Open this account with $100 and avoid a $10 monthly service charge by maintaining a $2,500 minimum balance.

Community First Certificates of Deposit

If you want a guaranteed return on your money and terms that conform to your time frame, Community First CD's should be your choice. With terms from 7 days to 5 years, you can enjoy guaranteed rates and insured safety. Open a CD today with only $500. Current rates and terms are posted in the lobby.

Community First Traditional IRA

This IRA is designed for individuals who want to save tax-deferred dollars and want their annual contributions to be tax deductible. Penalty fee withdrawals may be made for college expenses or the purchase of a first home.

Community First Roth IRA

The major benefit of a Roth IRA is tax-free earnings growth. Although contributions to the Roth IRA are not tax deductible, the contributions can be removed at any time without federal taxes or penalties. You are not required to receive distributions at age 70 1/2 in most cases, you can pass your Roth assets to your heirs free of federal income taxes. Withdrawal of earnings is tax free if certain distribution rules are met.

Check with your financial advisor for more details about the IRA that's best for you and your tax-deductibility status. Bank penalties may apply for early withdrawal.

FINANCE MAJOR PURCHASES WITH YOUR HOME EQUITY

EQUAL HOUSING LENDER
EQUAL OPPORTUNITY LENDER

COMMUNITY FIRST INTERNET BANKING DISCLOSURE

developed by Websightmaster