Personal Banking

Checking Accounts

No Matter Your Checking Needs, We Have the Right Option for You

CCB is here for you with checking accounts that fit your needs. With a minimum deposit of $25, you can open an account with any of our three checking options. No matter the checking account, you will receive free online and mobile banking, and a free Mastercard® debit card. Open an account today and check it off your to-do list!

Compare Our Checking Account Options

CCB Advantage Checking

A simpler way to bank


  • Discount on Service Fees*
  • $2 monthly service charge**
  • Nationwide ATM refunds up to $10***
  • Link to CCB Advantage Savings to build savings
  • No minimum balance to earn rewards
  • Free Mastercard® debit card
  • $25 minimum deposit to open

Basic Banking Checking

Get back to basics


  • Avoid the $3 monthly service fee by signing up for direct deposit
  • First 12 checks at no charge ($0.20 each thereafter)
  • Free Mastercard® debit card
  • $25 minimum deposit to open

Gold Club Checking

Seize the golden opportunity to earn high interest


  • Exclusive to customers 50 and up
  • Interest-bearing checking account
  • Enjoy our Golden Age Club Membership benefits when you sign up for direct deposit:
    • Free checks for life
    • Free paper statements for easy reference and storage
    • Free overdraft protection transfer
    • Free travel card for safety and convenience on vacation
  • No monthly service fee
  • No minimum balance requirements
  • Free online banking and bill pay
  • Free Gold Club Mastercard® debit card embossed with “Golden Age Club Member” that offers higher daily limits than a CCB debit card
  • $25 minimum deposit to open
  • Free telephone banking

Have Questions?

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*Earn rewards when all enrollments and qualifications are met each month during the previous months qualification cycle. Qualifications each month include: (1) 10 POS transaction purchases post and settle; pin or signature based. (2) Receive E-statements. (3) 1 automatic payment or direct deposit post and settle. If qualifications are met: (1) Nationwide ATM fee refunds apply to the CCB ATM fee of $2.50 incurred per month and will be reimbursed up to $10 per month; limitations apply. (2) Purchase of a CCB Cashier’s Check fee will be discounted $2; no limit on discount per month. (2) Domestic Incoming Wire Transfer Fee will be discounted $5; limit one discount per month. (3) Domestic Outgoing Wire Transfer Fee will be discounted $5; limit one discount per month. (4) Paid NSF fee will be discounted $5; limit up to four discounts per month. (5) Returned NSF fee will be discounted $5; limit up to four discounts per month. Discount(s) applied at the time the charge posts and settles to the qualifying CCB Advantage Checking account.

**Monthly Service Charge of $2 applies when monthly qualifications are not met each month in CCB Advantage Checking.

***The Nationwide ATM fee refunds apply to the CCB ATM fee of $2.50 incurred per month and will be reimbursed up to $10 per month; Other Foreign ATM fees not included; limitations apply.