BC National Bank

Deposit Products

Free Checking
Regular Business Checking
Health Savings Accounts
Savings Accounts
Money Market Accounts
Certificates of Deposit

FREE CHECKING (consumer only)
Free Checking provides you with our most basic account. It requires a $50.00 opening balance but no minimum balance. It also provides unlimited checking with no monthly service charge, no monthly service charge Debit card or ATM card, Internet Banking, and Free Bill Pay! Stop by one of our seven locations for complete details!

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REGULAR BUSINESS CHECKING
Regular Business Checking provides our businesses the flexibility they need without the per deposit item charges that most banks charge! There is only a $100 opening balance requirement, but no monthly minimum balance. Plus, you are only charged for the checks you write with a benefit of receiving one free check service charge for each $100 average balance you maintain in your account. The charge for each debit from your account is 20 cents per item. That is it! This account also provides you with our basic access to Internet Banking and Bill Pay, with additional Business services available (payment gateway access) for a minimal fee. Stop by one of our seven locations for complete details!

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HEALTH SAVINGS ACCOUNTS
Health Savings Accounts are intended to help you save money and take greater control of your health care costs. HSAs are always coupled with a High Deductible Health Plan (HDHP). HDHPs feature much lower premium payments than typical Low Deductible Plans. The money you save on premium payments can be invested in your HSA. Those funds will be available to help cover out-of-pocket qualified medical expenses. You are permitted to deduct the full amount of your contributions to your HSA and you do not pay taxes on the earnings as long as you spend them on qualified medical expenses.

To find out if you qualify for a Health Savings Account, please consult your attorney, tax or financial advisor with regard to your personal situation. Once you know that you are qualified, please contact one of our HSA representatives at the Community First Bank office location closest to you. We will be happy to assist you in opening your Health Savings Account. Check out our GREAT rates on these accounts.

If you need help in obtaining a personalized quote for a qualified high deductible health insurance plan or need to contact an HSA consultant, click here for a contact.

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SAVINGS ACCOUNTS
Community First Bank offers a savings account, which requires $100.00 to open which will be waived for minors. Minimum balance to receive interest is $25.00. Three withdrawals per quarter allowed free, additional withdrawals $1.00 per withdrawals. Statement printed and mailed quarterly in March, June, September, and December.

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MONEY MARKET ACCOUNTS
Community First Bank offers some of the best money market rates in the area.

The minimum balance to open our Community First Bank Money Market checking account is $2,500.00. We offer six tiers of interest rates for your convenience. The more money you invest, the more interest you earn!

Transfers from a Money Market Checking account to another account or to third parties by pre-authorized, automatic, or telephone transfer are limited to six per statement cycle

To find out more about the different checking, savings, or money market accounts we offer, please call or stop by one of our seven locations. One of our team members will be glad to explain the many benefits of each account, and make sure you are opening the type of account that most benefits your needs!

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CERTIFICATES OF DEPOSIT
Community First Bank offers Certificates of Deposit with competitive rates. If your CD is for one year or less, the early withdraw penalty is three months interest. If your CD is for more than one year, the early withdrawal penalty is six months interest.

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	Deposit Products Free Checking Regular Business Checking Health Savings Accounts Savings Accounts Money Market Accounts Certificates of Deposit FREE CHECKING (consumer only) Free Checking provides you with our most basic account. It requires a $50.00 opening balance but no minimum balance. It also provides unlimited checking with no monthly service charge, no monthly service charge Debit card or ATM card, Internet Banking, and Free Bill Pay! Stop by one of our seven locations for complete details! [Back to top] REGULAR BUSINESS CHECKING Regular Business Checking provides our businesses the flexibility they need without the per deposit item charges that most banks charge! There is only a $100 opening balance requirement, but no monthly minimum balance. Plus, you are only charged for the checks you write with a benefit of receiving one free check service charge for each $100 average balance you maintain in your account. The charge for each debit from your account is 20 cents per item. That is it! This account also provides you with our basic access to Internet Banking and Bill Pay, with additional Business services available (payment gateway access) for a minimal fee. Stop by one of our seven locations for complete details! [Back to top] HEALTH SAVINGS ACCOUNTS Health Savings Accounts are intended to help you save money and take greater control of your health care costs. HSAs are always coupled with a High Deductible Health Plan (HDHP). HDHPs feature much lower premium payments than typical Low Deductible Plans. The money you save on premium payments can be invested in your HSA. Those funds will be available to help cover out-of-pocket qualified medical expenses. You are permitted to deduct the full amount of your contributions to your HSA and you do not pay taxes on the earnings as long as you spend them on qualified medical expenses. To find out if you qualify for a Health Savings Account, please consult your attorney, tax or financial advisor with regard to your personal situation. Once you know that you are qualified, please contact one of our HSA representatives at the Community First Bank office location closest to you. We will be happy to assist you in opening your Health Savings Account. Check out our GREAT rates on these accounts. If you need help in obtaining a personalized quote for a qualified high deductible health insurance plan or need to contact an HSA consultant, click here for a contact. [Back to top] SAVINGS ACCOUNTS Community First Bank offers a savings account, which requires $100.00 to open which will be waived for minors. Minimum balance to receive interest is $25.00. Three withdrawals per quarter allowed free, additional withdrawals $1.00 per withdrawals. Statement printed and mailed quarterly in March, June, September, and December. [Back to top] MONEY MARKET ACCOUNTS Community First Bank offers some of the best money market rates in the area. The minimum balance to open our Community First Bank Money Market checking account is $2,500.00. We offer six tiers of interest rates for your convenience. The more money you invest, the more interest you earn! Transfers from a Money Market Checking account to another account or to third parties by pre-authorized, automatic, or telephone transfer are limited to six per statement cycle To find out more about the different checking, savings, or money market accounts we offer, please call or stop by one of our seven locations. One of our team members will be glad to explain the many benefits of each account, and make sure you are opening the type of account that most benefits your needs! [Back to top] CERTIFICATES OF DEPOSIT Community First Bank offers Certificates of Deposit with competitive rates. If your CD is for one year or less, the early withdraw penalty is three months interest. If your CD is for more than one year, the early withdrawal penalty is six months interest. [Back to top]


















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