Personal Checking Accounts
Your checking account should do more.
Each account comes with features that make managing your money easy, convenient, and secure.
All checking accounts include:
- FREE ATM card and Instant-issue, contactless debit card when opening account
- FREE internet banking
- FREE CFNB Mobile banking app with mobile deposit available
- FREE bill payment service
- Send money with Zelle® – a fast, safe, and easy way to send money. Learn more.
- FREE Real time account alerts available
- FREE 24 hour account information line
Compare your options:
We have several checking account options for you. Whether you just want the basics, you're looking for competitive rates, or you need a full-featured checking account, we have an option for your needs and goals.
Ready to open an account? Stop into a branch and meet with a personal banker.
Community Choice Checking
- $100 minimum opening deposit
- No monthly maintenance fee if $300 minimum balance or $750 average daily balance is maintained
- $6 monthly maintenance fee if $300 minimum balance or $750 average daily balance not maintained
- UNLIMITED check writing
Community Choice Checking - Economy
- $100 minimum opening deposit
- No minimum or average daily balance
- No monthly maintenance fee
- $1 per paper debit
Community Plus Interest Checking*
- $100 minimum opening deposit
- No monthly maintenance fee if $750 minimum balance or $1,500 average daily balance is maintained
- $10 monthly maintenance fee if $750 minimum balance or $1,500 average daily balance not maintained
- Earns a competitive variable interest rate on daily available balance
- UNLIMITED check writing
Community Nifty 50 Plus Checking*
- $100 minimum opening deposit
- Must be age 50 or over
- No minimum or average daily balance required
- Earns a competitive variable interest rate on daily available balance greater than $750
- First order of Nifty 50 Checks printed at CFNB FREE then 25% discount on future Nifty 50 orders
- All Nifty 50 checks printed at CFNB FREE if relationship balance is $10,000 or greater
- UNLIMITED check writing
- Discount on safe deposit box
- FREE money orders
- FREE cashier's checks
Need more information? Review these resources:
- Get an account with competitive rates and start earning interest: View today's rates (PDF).
- Download a printable Personal Checking Account Brochure (PDF).
- Not sure what documentation you need to open an account? Review this list.
Round Up to Savings Makes It Simple to Save Money and Get Ahead
An easy, effortless and valuable way to save more on every purchase you make.
Ready for an easy way to save?
Round Up makes saving money effortless by rounding up your debit card purchases to the nearest dollar amount and transferring the difference from your checking account to your savings account.
Related Services
* The following terms apply to interest earning checking and money market accounts. Interest will compound and pay to your account monthly. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the available balance in the account each day. Interest begins to accrue no later than the business day the bank receives credit for the deposit of non-cash items (for example, checks). At our discretion, the interest rate and annual percentage yield may change. Fees may reduce yields. If you close an interest earning account before interest is credited, interest will be forfeited. Please refer to bank interest rate sheet or website for current interest rates. Checking, money market, and savings accounts with no customer initiated activity for 12 consecutive months will be considered dormant. A $5.00 monthly dormant fee will be assessed on checking and money market accounts.
U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
