Checking / Savings

Choose the Right Option for You

	Community Non-Profit Checking	Community Sole Proprietorship Checking	Community Small Business Checking	Community Business Checking	Community Business Savings	Premium Community Savings
Opening Deposit	$100	$100	$500	$1,000	$1,000	$100,000
Designed to Benefit	Clubs, Organizations, or Associations	Sole Proprietorships	Small Businesses with low activity	Businesses with high amount of activity. Fees and services are analyzed	Businesses that have excess funds to set aside.	Businesses with extremely large amounts of excess funds.
Monthly Service Charge	$0	$0	$7 — Waived if: Average available balance of $1,500	$9	$5 — Waived if: Average available balance of $1,000	$50 — Waived if: Average available balance of $100,000
Transaction Fees	No charge for monthly transactions up to 75 checks paid/debit items and 25 credits — $0.15 per additional transaction — $0 per deposited CBW item	No charge for monthly transactions up to 75 checks paid/debit items and 25 credits — $0.15 per additional transaction — $0 per deposited CBW item	No charge for monthly transactions up to 125 (checks paid/debits) — $0.16 per additional check paid/debit — $0.06 per deposited item — $0 per deposited CBW item	$0.20 per additional check paid/debit — $0.10 per deposited item — $0 per deposited CBW item	No charge for monthly transactions up to 6 debit items — $1.00 per additional debit	No charge for monthly transactions up to 30 debit items — $1.00 per additional debit
Interest (Interest Rates subject to change daily)	No	View Interest Rate details.	No	No	View Interest Rate details. — Variable rate savings account. Earns interest if Average Balance is greater than $100.00	View Interest Rate details. — Variable rate savings account. Earns interest if Average Balance is greater than $100.00
Analysis Statement	No	No	No	Yes	No	No
Statement	Free e-Statement — $5 Mailed Paper Copy	Free e-Statement — $5 Mailed Paper Copy	Free e-Statement — $5 Mailed Paper Copy	Free e-Statement — $5 Mailed Paper Copy	Free e-Statement — $5 Mailed Paper Copy	Free e-Statement — $5 Mailed Paper Copy
Earnings Credit*	No	No	No	Yes	No	No
Bill Pay	Fees Apply — Free with e-Statement	Fees Apply — Free with e-Statement	Fees Apply — Free with e-Statement	Fees Apply — Free with e-Statement	No	No

Free Basic Internet Banking allows the ability to see monthly statements, review daily activity, request Stop Pays, internal transfers between Community Bank accounts.

Cash Management available for a charge. Includes: Remote Deposit Capture, Direct Deposit Payroll, External Transfers and Wires. Wires do incur a separate fee.

*Earnings Credit – The total credit that can be used to offset service charges incurred during this cycle. If the earnings credit allowance calculated on your positive available balance is greater than your activity charges, you will not be charged any fees. If your earnings allowance does not cover the cost of the services used, Community Bank will automatically debit your account. It is important to note that the earnings credit allowance is not a payment of interest, and will not be credited to your account. It can only be used to offset service fees. It is calculated by multiplying the quarter-end Community Bank of Wichita 30 Day Certificate of Deposit rate for the period by the Average Investable Balance. If the amount calculated is negative, a zero will display in this field. The Earnings Credit Rate is subject to change at our discretion.