Laughing Couple

Carefree Checking℠

At Community Bank, N.A., we like to keep things easy. With Carefree Checking℠, all it takes is a $50 minimum deposit to get started. There’s no minimum balance requirement after that.

To get started, click open online to fill out the online application. Have the following handy:

  • Social Security number
  • Driver's License
  • Applicable account funding information
  • A valid email address
  • Joint account holder information (if applicable)
For promotions in your area,
select your nearest CBNA location.
Features:
  • No monthly service charges
  • No minimum balance requirements
  • Free online and mobile banking
  • Free return of check images
  • Free eStatements (paper statements available for $2/month)
  • Free chip-enabled Visa® Debit Card
  • Free money for your old checks and debit card1
  • Free thank-you gift for opening an account*
  • Free Bill Pay
  • Access to My Finance a free financial management tool (learn more)
  • Free thank-you gift for opening an account (2021 in-branch gift calendar)
Open your account online today and get a free gift! arrow_link
“I was recently with another bank and didn’t feel like I mattered to them. So I opened an account at Community Bank. Everything was explained to me and I was made to feel completely comfortable.”
Pulaski, NY
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Savings Account
Grow your money free of fees

Choose Free Savings for no-fee, easy access to your cash.

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Credit Cards
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Want to earn rewards, build your credit or get a low rate? We have a credit card for that.

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