Checking Accounts

We offer a number of checking account options to meet your individual needs. Compare & choose the right option for you.

Regular Checking

A simple, no frills, checking account that features no monthly fees and no minimum balance requirements.

Regular Now Checking 

A basic interest bearing checking account with a low required minimum balance.

* Interest rate and annual percentage yield may change at any time and will be determined at our discretion. Interest begins to accrue no later than the business day when the Bank receives credit for the deposit, usually the first business day after the banking day on which the deposit is received. Interest will be compounded monthly and will be credited to the account monthly. If you close your account before interest is credited, you will receive interest accrued to date of closing.
** We use the daily balance method to calculate the interest on the account. This method applies a periodic rate to the collected daily balance in the account for each day. This periodic rate paid is based upon the collected balance in the account and can change daily on rate accounts as detailed in the Rate Chart. You must maintain a minimum balance of $750.00 in the account each day to obtain the disclosed annual percentage yield. Must maintain a $750.00 minimum balance to avoid a monthly service charge. If your account drops below the $750.00 minimum balance you may be charged a service charge of $10.00 a month.

Super Now Checking

A step above the basic interest bearing checking account.

*The interest rate and annual percentage yield may change at any time and will be determined at our discretion.
Interest begins to accrue no later than the business day when the Bank receives credit for the deposit, usually the first business day after the banking day on which the deposit is received. Interest will be compounded monthly and will be credited to the account monthly. If you close your account before interest is credited, you will receive interest accrued to date of closing.
** We use the daily balance method to calculate the interest on the account. This method applies a periodic rate to the collected daily balance in the account for each day. This periodic rate paid is based upon the collected balance in the account and can change daily on rate accounts as detailed in the Rate Chart. You must maintain a minimum balance of $2500.00 in the account each day to obtain the disclosed annual percentage yield. If your account drops below the $2,500.00 minimum balance you may be charged a service charge of $10.00 a month. Must maintain a $2500.00 minimum balance to avoid a monthly service charge.

Superior Now Checking 

Enjoy the simplicity of an interest bearing checking account with a higher required minimum balance.

* The interest rate and annual percentage yield may change at any time and will be determined at our discretion. Interest begins to accrue no later than the business day when the Bank receives credit for the deposit, usually the first business day after the banking day on which the deposit is received. Interest will be compounded monthly and will be credited to the account monthly. If you close your account before interest is credited, you will receive interest accrued to date of closing.
**We use the daily balance method to calculate the interest on the account. This method applies a periodic rate to the collected daily balance in the account for each day. This periodic rate paid is based upon the collected balance in the account and can change daily on rate accounts as detailed in the Rate Chart. You must maintain a minimum balance of $5,000.00 in the account each day to obtain the disclosed annual percentage yield. If your account drops below the $5,000.00 minimum balance you may be charged a service charge of $10.00 a month. Must maintain a $5,000.00 minimum balance to avoid a monthly service charge.

Checking Account Fees

Fee Type

Fee Amount

Overdraft Charge*

$25.00 per day
$25.00 per day after the account is overdrawn for five (5) consecutive days

Non-Sufficient Fund Return Check Charge

$25.00 per item

ATM Cards Issue Fee Charge

$15.00

ATM Cards Replacement Fee Charge

$5.00

Checking Printing

Prices vary with your style selection

* An overdraft fee applies to overdrafts created by check, in-person withdrawal or other electronic means.

Debit Cards

Community Development Bank now offers debit cards. Your debit card offers you the convenience of checking plus the added value of safety, easy record keeping and affordability.

Conveniences of a debit card

Safety of a debit card

Limitations on debit cards

Fees and Charges

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