Personal Accounts

Free Checking | Checking + Interest | 50+ Checking + Interest | Savings | Minor Savings | Money Market Account


 

Free Checking

  • $100 Minimum to Open Account
  • NO Minimum Balance
  • NO Monthly Service Charge
  • NO per Check Charges
  • UNLIMITED Check writing
  • FREE Chipola Community Bank VISATM Debit Card
  • FREE Internet Banking & Online Bill Pay Services
  • FREE First Box of Checks

This account does not earn interest.


Checking + Interest

  • $2,500 Minimum to Open Account
  • $2,500 Daily Balance Required to Obtain APY**
  • Interest Compounds Daily and is Credited Monthly
  • $8.00 per Month Service Charge if Minimum Daily Balance falls below $2,500
  • ALSO Available to Sole Proprietorships and Non-Profit Entities
  • NO per Check Charges
  • UNLIMITED Check Writing
  • FREE Chipola Community Bank VISATM Debit Card
  • FREE Internet Banking & Online Bill Pay Services
  • FREE First Box of Checks


50+ Checking + Interest

  • $100 Minimum to Open Account
  • Must Be 50 Years of Age or Better to Open
  • $500 Daily Balance Required to Obtain APY**
  • Interest Compounds Daily and is Credited Monthly
  • NO Minimum Balance
  • NO Monthly Service Charge
  • NO per Check Charges
  • UNLIMITED Check writing
  • FREE Chipola Community Bank VISATM Debit Card
  • FREE Internet Banking & Online Bill Pay Services
  • FREE 50+ Checks for Life of Account
  • FREE Chipola Community Bank Cashiers Checks
  • 50% DISCOUNT on 3x5, 3x10, and 5x10 Safe Deposit Box Rentals


Savings

  • $100 Minimum to Open Account
  • $100 Daily Balance Required to Obtain APY**
  • Interest Compounds Daily and is Credited Quarterly
  • $11.25 per Quarter Service Charge if the Minimum Daily Balance falls below $100
  • Limit 6 Preauthorized Debit Transactions per month (a Reg. D Excessive Transaction Fee will be imposed for every withdrawal over 6 per month)
  • UNLIMITED In-Person Withdrawals
  • FREE Internet Banking


Minor Savings

  • Only Available to Individuals under 18 Years of Age
  • $25 Minimum to Open Account
  • $100 Daily Balance Required to Obtain APY**
  • Interest Compounds Daily and is Credited Quarterly
  • Limit 6 Preauthorized Debit Transactions per month (a Reg. D Excessive Transaction Fee will be imposed for every withdrawal over 6 per month)
  • UNLIMITED In-Person Withdrawals
  • FREE Internet Banking


Money Market Account

  • $2,500 Minimum to Open Account
  • $2500 Daily Balance Required to Obtain APY**
  • Interest Compounds Daily and is Credited Monthly
  • $11.25 per Month Service Charge if the Minimum Daily Balance falls below $2,500
  • Limit of 6 Pre-Authorized Debit Transactions per month.  A Reg. D Excessive Transaction Fee will be imposed for each excessive withdrawal.
  • UNLIMITED In-Person Withdrawals
  • FREE Internet Banking

**APY – Annual Percentage Yield