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Personal Checking Accounts

Handmade checking just for you.

Flexible and secure checking accounts are the cornerstone of our community banking philosophy. With numerous account options and plenty of local banking experts, you can be sure your money will be well looked after. Get started today and never look back.

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Monthly Maintenance Fee




Waive the Monthly Maintenance Fee1

Waived with a minimum daily balance of $2,500
10 debit card transactions
One direct deposit
age 62 and older
Military ID or Student ID on record3

Minimum daily balance of $10,000
combined balances of $25,0008

Age 17 and younger6

Minimum Opening Deposit $25 $25 $25
Check/Debit Charges no charge no charge no charge
Additional Benefits

Non-CB ATM fees refunded9

3 complimentary boxes of checks per year10

Up to a $25 annual refund on Safe Deposit Box rental11

Designed to be a check free account

No Overdraft Coverage Program7

No overdraft, continuous overdraft or
return item fees7

Interest Earnings



not applicable

On balances above $2,500



not applicable

Paper Statements Fee $3 Waived with enrollment in eStatements4
age 62 and older
not applicable not applicable

ATM Transaction Charges2

Columbia Bank ATMs
Non-Columbia Bank ATMs

No charge

No charge
$2.50 before refund9

No charge

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1 Each requirement to waive the monthly maintenance fee must occur within the statement cycle. Debit card transactions and direct deposits must post in the statement cycle to qualify for the monthly maintenance fee waiver. If the balance requirement to waive the monthly maintenance fee is based on a minimum you must maintain that minimum balance each day to avoid the disclosed maintenance fee.
2 You may be subject to international service charges and surcharges on non-Columbia Bank ATM’s.
3 Military ID’s presented after March 1, 2017 will have the monthly maintenance fee waived for five years from initial date of presentment. Student ID’s will have the monthly Maintenance Fee waived for five years from initial date of presentment.
4 Requires enrollment in Columbia Connect Online Banking. Please refer to Online Terms and Conditions for more information.
5 This account serves as a second chance for customers who do not meet the Bank’s checking account qualification criteria. If after reaching one year of account opening and meet both the following conditions of having 12 or less returned items and 3 or less deposited returned items, you will be allowed to convert to an account of your choice.
6 Primary signer must be age 17 and younger to qualify for this waiver.
7 This account is set to a “decline all” transaction setting. To help you avoid overdrawing your account, transactions will be declined and returned unpaid when you don’t have enough money in your account. If this happens, you will not be charged a bank overdraft or returned item fee, but it is important to note, you may be charged a fee by the merchant for any transaction Columbia Bank declines to pay against your account. Based on how a payment transaction is presented to Columbia Bank and if available balance verification was requested by a merchant, it is possible a payment could be posted to your account resulting in an overdraft situation. However, even though your account is overdrawn, Columbia Bank will not charge you an overdraft or returned item fee or continuous overdraft charge.
8 Combined balances are calculated using the daily balance of all deposit accounts and outstanding balances on loans as of the business day prior to the last business day in the statement cycle. Includes deposit accounts and loans held at Columbia Bank with the same name and tax ID. Does not include residential mortgage loans.
9 Refunds are processed on the next business day when the fees post to your Relationship Account. All non-Columbia Bank ATM fees will be refunded if assessed by Columbia Bank. Up to $15 in non-Columbia Bank ATM surcharges assessed by ATM operators will be refunded per statement cycle.
10 Must be single Columbia Bank style checks. Benefit renews each calendar year.
11 Requires automatic payment from a Relationship Account. Credit is applied as a refund on the next business day. One credit may be applied to one Relationship Account per year.
Please refer to the Services & Fees Schedule for additional fees that may be assessed against your account. Accounts must be open to receive refund benefits