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—It's FREE!

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
Regular Checking More» $100.00 $1,500.00 $15.00 / month if balance falls below $1,500.00 No

Regular Checking

  • A no monthly maintenance charge plan when you maintain the established minimum daily balance requirement.
  • Unlimited check-writing privileges.
  • No per check charge.

Relationship Checking More» $100.00 $1,500.00 in Relationship Checking only and/or $15,000.00 in combined Daily Balance of related accounts $15.00 / month if balance falls below minimum in Relationship and/or $15,000.00 in Combined Minimum Daily Balance No

Relationship Checking

  • A combined balance relationship account.
  • Write an unlimited number of checks on a monthly basis at no additional cost.
  • A minimum combined daily balance is required to avoid a service fee.

Personal NOW Checking More» $3,000.00 $3,000.00 $15.00 / month if balance is below $3,000.00 Yes

Personal Now Checking

  • Earn interest on your checking.
  • No monthly maintenance charge if the minimum daily balance requirement is maintained.
  • Variables rates may change after opening.

Senior Citizen Checking More» $100.00 N/A N/A $.25 per check over 10 checks No

Senior Citizen Checking

  • No service fee for checking.
  • Limited check writing privileges.

Basic Banking More» $25.00 N/A $3.00 / month $1.00 per debit over ten No

Basic Banking Checking

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