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Carefree Checking℠

Whether you’re opening your first checking account or looking for an easier way to bank, Carefree Checking℠ simplifies the banking experience. From easy access and streamlined direct deposit to no ATM fees and a convenient mobile app, Carefree Checking℠ makes banking a no-brainer.

To open your account today, click Open Online and fill out the online application. Be sure to have the following on hand:

  • 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.
  • 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, contactless Visa® Debit Card with offers & perks
  • Free money for your old checks and debit card1
  • Free thank-you gift for opening an account*
  • Free Bill Pay
  • Access to Budget Tools, a free financial management tool
  • Free in-branch thank-you gift for opening an account (2024 in-branch and online account opening gifts)
  • Access to CBNA Credit Companion℠, a free credit report monitoring tool
  • Free P2P money transfers with Zelle®
Open your account online today and get a free gift! Arrow
“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
Take your credit with you

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


Better banking starts with trust—and we’re honored to be recognized for it.

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