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Personal Checking

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Personal Checking

K.I.S.S. (Keep It Simple Sugar) Checking

  • Minimum to open $100.00

  • No minimum balance

  • Unlimited Transactions

  • IDProtect1

  • Accidental Death & Dismemberment Insurance2

  • Cellular Telephone Protection2

  • Complimentary Internet Banking

  • Complimentary Online Bill Pay

  • Complimentary ATM/Debit Card

  • Remote Deposit Capture

  • Plus much more

A $6.00 monthly service charge applies. However, we've made it simple to reduce or eliminate this monthly service charge by:

  • Receive $3.00 credit for e-Statement enrollment 

  • Receive  $3.00 credit for 20 posted debit card transactions in a statement cycle

  • Or, the $6.00 charge can be waived with a $5,000.00 monthly average collected balance

1Benefits are available to personal checking account owner(s), and their joint account owner(s) subject to terms and conditions for the applicable benefits. Some benefits require authentication, registration and/or activation. Benefits are not available to a "signer" on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or school and their employees/students.

2Special Program Notes: The description herein are summaries only and do not include all terms, conditions and exclusions of the benefits described. Please refer to the actual Guide to Benefits and/or insurance documents for complete details of coverage and exclusions. Coverage is provided, through the company named in the Guide to Benefits or on the insurance document. Cellular phone bill must be paid using eligible account. Cellular telephone carrier fees may apply.

Insurance products are not insured by the FDIC or any federal government agency, not a deposit of or guaranteed by the bank or any bank affiliate..

Basic Checking

  • Minimum to open $100.00

  • No monthly service charge

  • Unlimited transactions

  • eStatement required

  • Complimentary Internet Banking

  • Complimentary Online Bill Pay

  • Complimentary ATM/Debit Card

  • Remote Deposit Capture

  • Plus much more

 

Interest Bearing Checking

K.I.S.S (Keep It Simple Sugar) with Interest Checking

  • Minimum to open $10,000.00

  • Tiered Interest Rate *

  • Complimentary box of checks (first order only)

  • Unlimited Transactions

  • IDProtect1

  • Accidental Death & Dismemberment Insurance2

  • Cellular Telephone Protection2

  • Complimentary Internet Banking

  • Complimentary Online Bill Pay

  • Complimentary ATM/Debit Card

  • Remote Deposit Capture

  • Plus much more

A $6.00 monthly service charge applies. However, we've made it simple to reduce or eliminate this monthly service charge by:

  • Receive $3.00 credit for e-Statement enrollment 

  • Receive  $3.00 credit for 20 posted debit card transactions in a statement cycle

  • Or, the $6.00 charge can be waived with a $10,000.00 monthly average collected balance

*Tiered Interest Rates Effective February 10, 2026, 0.00% - 1.14% Annual Percentage Yield = APY with a 2.25% interest rate on daily balance range of $10,000.00 to $19,999.99; 1.14% - 1.21% APY with a 1.25% interest rate on daily balance range of $20,000.00 to $49,999.99; 1.21% - .25% APY with a .25% interest rate on daily balance range of $50,000.00 and over. Rates subject to change at any time. Fees may reduce earnings on the account.

1Benefits are available to personal checking account owner(s), and their joint account owner(s) subject to terms and conditions for the applicable benefits. Some benefits require authentication, registration and/or activation. Benefits are not available to a "signer" on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or school and their employees/students.

2Special Program Notes: The description herein are summaries only and do not include all terms, conditions and exclusions of the benefits described. Please refer to the actual Guide to Benefits and/or insurance documents for complete details of coverage and exclusions. Coverage is provided, through the company named in the Guide to Benefits or on the insurance document. Cellular phone bill must be paid using eligible account. Cellular telephone carrier fees may apply.

Insurance products are not insured by the FDIC or any federal government agency, not a deposit of or guaranteed by the bank or any bank affiliate..

Senior NOW - 62 and above

  • Minimum to open $100.00

  • Minimum balance of $1,500.00 to earn interest

  • No monthly service charge

  • Unlimited transactions

  • Check order discount 

  • Complimentary Internet banking

  • Complimentary Online Bill Pay

  • Complimentary ATM/Debit Card

  • Remote Deposit Capture

  • Plus much more

Premium Money Fund Consumer*

  • Minimum to open $25,000.00

  • $25,000.00 minimum daily balance to avoid $25.00 monthly service charge

  • 10 withdrawals per month, $10.00 for each additional

  • Premium Tiered Interest Rates**

*Must have one active consumer checking account with Community First Bank with at least five posted and settled customer-initiated debit or credit transactions per statement cycle. If the requirement is not met, the Premium Money Fund Consumer account will be changed to a Personal Money Fund account.

**Tiered Interest Rates effective September 18, 2026 -  2.68% Annual Percentage Yield=APY on daily balance range of $25,000.00 to $249,999.99, 2.94% APY on daily balance range of $250,000.00 to $999,999.99, 3.20% APY on daily balance range of $1,000,000.00 and over. Rates subject to change at any time. Fees may reduce earnings on the account.

Personal Money Fund 

  • Minimum to open $2,500.00

  • $2,500.00 daily balance to avoid $10.00 monthly service charge and earn interest

  • Check accessible

  • Unlimited withdrawals