Personal checking accounts—Personalized

Your checking account is the core of your finances. It's important to us at Country Bank to offer plan options that provide you with value, ease, and convenience.

Whatever option you choose, you will also receive:

Plus: View your checks online with Country Bank Check Imaging

Balancing your checkbook has never been easier!

No more putting checks in order—we do it for you. Check images are sorted in numerical order, just like your statement—the check number, date paid and amount are printed below the images. This makes it easy to store and the Internal Revenue Service accepts images as proof of payment.

Account Plans More Info Minimum Opening Balance Minimum Balance to Avoid Service Charges Monthly Service Charge Interest Bearing
No Fee Relationship Checking More» $100.00 $1,500.00 in Relationship Checking only or $15,000.00 in combined Daily Balance of related accounts or a direct deposit at least one per statement cycle. $15.00 / month Daily Balance falls below minimum in Relationship or $15,000.00 in Combined Minimum Daily Balance or no direct deposit No

Relationship Checking

  • A combined balance relationship account.
  • Write an unlimited number of checks on a monthly basis at no additional cost.

Personal NOW Checking More» $3,000.00 $3,000.00 $15.00 / month if Minimum Daily Balance falls below $3,000.00 Yes

Personal Now Checking

  • Earn interest on your checking.
  • Variables rates may change after opening.

Senior Citizen Checking More» $100.00 N/A $.25 per check, over 10 checks, in any statement cycle. No

Senior Citizen Checking

  • No service fee for checking.
  • Limited check writing privileges.
  • Must be over 55 years to open.

Basic Banking More» $25.00 N/A $3.00 a month and $1.00 per debit over ten in any statement cycle. No

Basic Banking Checking

  • Limited check writing privileges available only to NY State residents, with no other transaction accounts.