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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)
“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.

Open your account online today and get a free gift! arrow_link
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Credit Cards
Take your credit with you

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

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10 Must-Have Features and Benefits of Mobile Banking Apps

Here are 10 features and benefits that any mobile banking app must deliver so you can rest easy.

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Reasons to Make the Most of Online and Mobile Banking Tools

Banks have evolved with the times to provide digital tools to help their customers keep pace. Here are the top four reasons to make the most of online and mobile banking.

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6 Benefits to Using Electronic Bill Pay

Online bill pay service gives you more control and a better view of your finances. Here are six benefits of using electronic bill pay to help manage your money each month:

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