NO-Fee Debit Card!

At Community First, you won't pay a fee for using your debit card. Be confident in knowing that you can swipe your card as many times as you want, and we're not gonna charge you for it. Open a checking account today and receive your personal, no-fee debit card.

Not A Member? Apply Here Members apply via Online Banking

Get step-by-step instructions in opening a checking account.

• The NEW Advantage Checking
  How would you like to earn more money than you are currently earning in dividends on your checking account? With Advantage Checking, you earn 1.75% APY* on your first $500 and 0.15% APY* on balances above $500. With no monthly maintenance fee, Advantage Checking helps you save when you spend!

  Advantage Checking is a great way to earn 1.75% APY* on your first $500 and 0.15% APY* on balances above $500! Access funds at any time with checks, through any of our convenient ATMs or Shared Services, or with the VISA® Check Card. Discover the Advantage difference:
  
  

  1.75% APY* on your first $500 0.15% APY* on balances above $500 Interest paid on entire balance No monthly fee No minimum balance required $50 minimum deposit to open Rewards Points with every signature purchase  Overdraft Protection available FREE Visa® Check Card FREE Online Banking FREE Online Bill Pay FREE Personal Financial Management tool FREE first box of checks (corporate style) FREE e-Statements

  To get this great rate, all you have to do is make six or more transactions each month—deposits, withdrawals, ATM or debit card transactions. That's it! Just enjoy great rates with your new Advantage Checking Account!
  
  Not A Member? Apply Here Members apply via Online Banking

  
  
  
  

  * APY - Annual Percentage Yield. Rate effective as of December 1, 2011 and may change at any time. 1.75% APY on balances up to $500 and 0.15% APY on balances above $500. Fees could reduce earnings on the account. A $50 minimum deposit is required to open a checking account.
• Free Checking
  Our Free Checking account offers all the features you need in a checking account, plus you earn interest on your entire balance!
   

  • Interest paid on entire balance
  • No monthly fee
  • No minimum balance required
  • $50.00 minimum deposit to open
  • Overdraft Protection available
  • Free Visa® Check Card with free UChoose Rewards® Program
  • Free Online Banking
  • Free Mobile Banking
  • Free Online Bill Pay
  • Free first box of checks (corporate style)
  • Free eStatements

  Get step-by-step instructions in opening a checking account.
• Fresh Start Checking
  If the economy has made it difficult to open a checking account, our Fresh Start Checking may be an option for you.

  Get started with a Fresh Start Checking account.  Benefits include:

  • No minimum balance required
  • Free Visa® Check Card
  • Free Online Banking
  • Free Online Bill Pay
  • Unlimited check writing

  
  

  Additional requirements for this account include:

  • $50 minimum deposit to open
  • 12 month review period
  • $10 monthly service charge
  • $30 Non-sufficient Funds (NSF) fee

  
  Get step-by-step instructions in opening a checking account.
• Overdraft Protection
  Members in good standing can take advantage of several overdraft protection options that save the expense and embarrassment of having checks returned. These options include:

  Overdraft Protection through Existing Accounts

  In the event of an overdraft, we will transfer funds from savings or other deposit accounts for a small fee.

  Overdraft Line of Credit

  You can write a check up to your available line of credit, regardless of the balance in your checking or savings accounts.

• Overdraft Privilege
  Overdraft Privilege is not a line of credit. It simply means that if you should inadvertently overdraw your account, after all overdraft transfer options have been exhausted, we have the discretion to cover your overdrafts.

  How it Works

  If you overdraw your account, we will normally pay the overdraft, subject to the limit of your Overdraft Privilege. A $30 overdraft fee applies to each item.

  Transactions that are covered by Overdraft Privilege

  Overdraft Privilege is available for checks, ATM withdrawals, Visa® Check Card transactions and ACH withdrawals.

  Available Overdraft Privilege Amounts

  You may qualify for Overdraft Privilege, which is generally limited to a qualifying maximum of $750 overdraft (negative) balance.

  How does Overdraft Privilege save you money?

  If you write a check to a merchant who overdraws your account, we would usually pay this check. That means the check will not be returned to the merchant, who would probably charge a returned check fee. Those fees can reach $30 or more –per check!

  With Overdraft Privilege, you will be charged a $30 fee for each overdraft, but there will be no NSF (Non-Sufficient Funds) fee charged and no need to return to the merchant and issue a new payment.
  
  

  Here’s an example of How You Save Money:

  	Without Overdraft Privilege	With Overdraft Privilege
  Beginning Balance	$50	$50
  Check:	$200	$200
  Non-Sufficient Funds Fee	$30	None
  Merchant Fee:	$25 or more	None
  Overdraft Privilege Fee:	N/A	$30
  Total Fees:	$55 or more	$30

  
  

  Note: The account balance must be brought to a positive balance for 48 hours within every 30-day period. While Community First will typically pay overdrafts on accounts in good standing, payment is a discretionary courtesy, and not a right or obligation. Community First may, in our sole and absolute discretion, cease paying overdrafts at any time without prior notice of reason or cause.

Checking Brochure