Checking Accounts

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Free Checking

Features and Benefits:

  • Convenient access to your funds at the branch, ATM, or Online Banking.
  • Monthly Statement
  • Minimum of $5.00 to open
  • No monthly service fee
  • 1 NSF fee waived per rolling 12 months
  • First set of standard checks free

Related Services:

  • Free Debit Card
  • Free Online Banking
  • Free Bill Pay
  • Overdraft Sweep Transfer Available (a transfer fee may be charged)
  • Overdraft Line of Credit (a transfer fee may be charged)

Basic Checking

Features and Benefits:

  • Convenient access to your funds at the branch, ATM, or Online Banking.
  • Monthly Statement
  • Minimum of $5.00 to open
  • Minimum of $100.00 to earn Annual Percentage Yield
  • No monthly service fee
  • 1 NSF fee waived per rolling 12 months
  • Interest is compounded daily and credited monthly
  • No charge for non-CCB ATM transactions (limited 5 per month)
  • Refund of ATM fees charged by other financial institutions (limited 5 per month)

Related Services:

  • Free Debit Card
  • Free Online Banking
  • Free Bill Pay
  • Overdraft Sweep Transfer Available
  • Overdraft Line of Credit

Advantage Checking

Features and Benefits:

  • Convenient access to your funds at the branch, ATM, or Online Banking.
  • Monthly Statement
  • Interest is compounded daily and credited monthly
  • Minimum of $25.00 to open
  • Minimum of $100.00 to earn Annual Percentage Yield
  • Must maintain a minimum balance of $250.00 or have monthly direct deposit to avoid a $10.00 service fee
  • Fees may reduce earnings
  • 1st order of standard checks Free
  • 1 NSF fee waived per rolling 12 months
  • No charge for non-CCB ATM transactions (limited 10 per month)
  • Refund of ATM fees charged by other financial insitutions (limited 10 per month)

Related Services:

  • Free Debit Card
  • Free Online Banking
  • Free Bill Pay
  • Overdraft Sweep Transfer Available
  • Overdraft Line of Credit

Signature Checking

Features and Benefits:

  • Convenient access to your funds at the branch, ATM, or Online Banking.
  • Monthly Statement
  • Interest is compounded daily and credited monthly
  • Minimum of $100.00 to open
  • Minimum of $100.00 to earn Annual Percentage Yield
  • Must maintain a minimum balance of $1,000.00 to avoid a $12.00 service fee
  • Fees may reduce earnings
  • 1st order of standard checks Free or $5.00 discount on other styles
  • 1 NSF fee waived per rolling 12 months
  • $15.00 discount on safe deposit boxes (based on availability)
  • No charge for non-CCB ATMs transactions, (limited 15 per month)
  • Refund of ATM fees charged by other financial institutions, (limited 15 per month)
  • Discount on consumer installment loans, home equity line of credit, and home equity loans. Customer can receive a 0.25% discount off of loan product and an additional 0.25% discount with automatic payment from a CCB deposit account. Maximum discount is 0.50%
  • Annual fee on Overdraft Lines waived if you obtain an Overdraft Line of Credit with us

Related Services:

  • Free Debit Card
  • Free Online Banking
  • Free Bill Pay
  • Overdraft Sweep Transfer Available
  • Overdraft Line of Credit

Platinum Checking

Features and Benefits:

  • Convenient access to your funds at the branch, ATM, or Online Banking.
  • Monthly Statement
  • Interest is compounded daily and credited monthly
  • Interest is tiered with higher balances earning higher rates
  • Minimum of $100.00 to open
  • Minimum of $100.00 to earn Annual Percentage Yield
  • Must maintain a minimum balance of $2,500.00 to avoid a $14.00 service fee
  • Fees may reduce earnings
  • No fees for the use of non-CCB ATM transactions
  • Unlimited refunds for ATM fees charged by other financial institutions
  • 3 NSF fees waived per rolling 12 months
  • Free Premium Checks
  • Free travelers and cashier checks
  • Free small safe deposit box (based on availability)
  • Discount on consumer installment loans, home equity line of credit, and home equity loans. Customer can receive a 0.25% discount off of loan product and an additional 0.25% discount with automatic payment from a CCB deposit account. Maximum discount is 0.50%
  • Annual fee on Overdraft Lines waived if you obtain an Overdraft Line of Credit with us

Related Services:

  • Free Debit Card
  • Free Online Banking
  • Free Bill Pay
  • Overdraft Sweep Transfer Available
  • Overdraft Line of Credit

Senior Checking

Features and Benefits:

  • Convenient access to your funds at the branch, ATM, or Online Banking.
  • Monthly Statement
  • Interest is compounded daily and credited monthly
  • Minimum of $25.00 to open
  • Minimum of $100.00 to earn Annual Percentage Yield
  • No monthly service fee
  • Free travelers and cashier checks
  • Fees may reduce earnings
  • Standard checks Free or $5.00 discount on other styles
  • 1 NSF fee waived per rolling 12 months
  • $15.00 discount on safe deposit boxes (based on availability)
  • Discount on consumer installment loans, home equity line of credit, and home equity loans. Customer can receive a 0.25% discount off of loan product and an additional 0.25% discount with automatic payment from a CCB deposit account. Maximum discount is 0.50%

Related Services:

  • Free Debit Card
  • Free Online Banking
  • Free Bill Pay
  • Overdraft Sweep Transfer Available
  • Overdraft Line of Credit

Order Checks

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MasterCard Check Card®

With CCB’s MasterCard Check Card®, you can access your checking account at locations across the country or around the world, without actually having to write a check. If funds are not available in your checking account, and you are set up for sweeps your MasterCard Check Card® debits your available savings. You can also conveniently get extra cash because your MasterCard Check Card® also acts as your ATM card. Even better, there is no monthly service charge to your account.

For more information, please call our Customer Service Department at 1.866.293.1968.

To report a lost or stolen CCB MasterCard Check Card®, please call Customer Service at 1.866.293.1968 on Monday-Friday 8:30-5:00 eastern standard time. You may also call our Automated Telephone Service 24/7 at the following numbers:

1.800.554.8969 or 1.800.417.8715
Overseas please call: 973.682.2652

Deposit Rates (Annual Percentage Yield)
Personal Savings Accounts
Basic Savings .10
Power Savings .10 to .65
Kids Count Savings .10

Personal Money Markets
Classic Money Market** .10 to .70
Select Money Market .15 to .80

Personal Checking Accounts
Basic Checking .05
Advantage Checking .10
Signature Checking .15
Platinum Checking .10 to .40
Senior Plus Checking .15

Certificate of Deposit / IRA CDs
6 Month CD .15
12 Month CD .25
15 Month CD .30
18 Month- Add On CD*** .35
24 Month CD Penalty Free .40
30 Month CD .40
36 Month CD .55
48 Month CD .80
60 Month CD 1.25
Statement IRA**** .50