PersonalBusiness

 

 



 

 


Overview

Our personal products provide you with a variety of choices designed to meet the needs of your unique lifestyle, from the beginning of your journey in life through enjoying your retirement years. Our customers enjoy true community banking with a level of personalized service unsurpassed by other financial institutions. Select from the categories below to maximize your benefits and find just the right "fit" for you.

    Click here for access to a personal account application.
       Print, complete and mail, fax or walk-in to your nearest branch.

    Click here to View Personal Accounts Brochure

 

Checking Accounts

Savings & Investments

Loans


Other Services


VISA® Check Card


ATM access and ease of purchases are yours with the CBS VISA® check card.
• Can be used anywhere Visa® is accepted
• Purchases are automatically deducted directly from your checking account
• Can also be used as an ATM card

Credit Cards

Make all your purchases simple and easy with our MasterCard® credit cards with competitive rates.

ATM Card

Our ATM card provides access to your funds 24 hours a day, seven days a week. With your ATM card and personal identification number, you can access your account with ease.
• Convenience of our automated teller machines for 24-hour account access

Please see a Community Bank of the South Customer Service Representative for all products and services.



 


 

Checking Accounts

 


Personal Checking Accounts

        Click here for access to a personal account application. Print, complete and mail, fax or walk-in to your nearest branch.


Performance Checking

 
Designed to provide all of the essentials of a busy household for peak financial performance.

• Non-Interest Bearing
• Unlimited Check Writing
• First Order of Custom Checks Free
• Free Visa® CheckCard or ATM (Overdraft and Return Item Fees May Apply)
• 24 Hour Telephone Banking
• Free Online Banking
• Free Bill Pay
• Free Paper or E-Statements
• A $5 monthly service charge may be avoided by maintaining a $500 minimum daily balance OR a monthly direct deposit.
• $100 to Open

Privilege Checking

With age comes privilege. Our mature households (age 50+) enjoy many benefits

• Earns competitive interest rate
• Unlimited Check Writing
• Custom Checks Free or 25% Discount
• Free Visa® CheckCard or ATM (Overdraft and Return Item Fees May Apply)
• 24 Hour Telephone Banking
• Free Online Banking
• Free Bill Pay
• Free Paper or E-Statements
• Discounted Safe Deposit Box
• Free Travelers & Official Checks
• Must have at least one signer 50+
• A $5 monthly service charge may be avoided by maintaining a $500 minimum daily balance OR a monthly direct deposit.
• $100 to Open

Prestige Checking

Relationships are key to success. Enjoy prestigious benefits for those with multiple CBS accounts.

• Earns competitive interest rate
• Unlimited Check Writing
• Custom Checks free or 25% Discount
• Free Visa® CheckCard or ATM (Overdraft and Return Item Fees May Apply)
• 24 Hour Telephone Banking
• Free Online Banking
• Free Bill Pay
• Free Paper or E-Statements
• Discounted Safe Deposit Box
• Free Travelers & Official Checks
• Preferred rates on CDs and Loans
• A $20 monthly service charge may be avoided by maintaining an aggregate balance of $15,000 or more in a combination of checking, money market, savings, and CDs OR maintain an outstanding loan balance of $25,000 or more.
• $100 to Open

Please see a Community Bank of the South Customer Service Representative for current interest rates and disclosure information.


 


 

Savings & Investment

 


Personal Savings & Retirement Accounts

        Click here for access to a personal account application. Print, complete and mail, fax or walk-in to your nearest branch.


Regular Savings
- Effective August 1st, 2012

Get a "jumpstart" on saving for the future with this account that also has a competitive interest rate. Invest weekly or monthly to start building for the future.

• $300 minimum deposit to open
• Competitive interest rate compounded monthly, paid quarterly
• Six (6) free transfers or withdrawals/quarter
• Excess transfers or withdrawals will result in charge of $5 each
• Maintain $300 minimum daily balance to avoid $10 service charge /quarter
• No minimum balance requirement for minors or custodial accounts

IRA Savings

Our Individual Retirement Account is a great way to save for retirement. You can invest in a Traditional, Roth, Education or SEP account.

• $50.00 minimum deposit to open
• Interest compounded daily and posted quarterly
• $50.00 minimum balance to earn attractive market interest rate

CDs & IRAs

A great tool to earn higher interest rates on your long-term savings, offering flexible investment terms. We offer a full array of terms to meet your specific savings goals:

• $5,000 minimum deposit to open
• Interest earned on fixed rate
• Interest paid monthly, quarterly, semi-annually or annually by direct deposit at CBS
• Penalty for early withdrawal dependent on term
• Renewals for amounts less than $5,000 are allowed as long as they stay in the same product/term; otherwise the minimum applies.

Platinum Money Market

Enjoy maximum earnings benefits with five tiers. The more you have, the more you automatically earn.

• Earns competitive interest rate
• Limited to six (6) transfers or withdrawals per statement cycle
• Free Visa® CheckCard or ATM (Overdraft and Return Item Fees May Apply)
• 24 Hour Telephone Banking
• Free Online Banking
• Free Paper or E-Statements
• Tiers: $2,500 to $24,999; $25,000 to $99,999; $100,000 to $249,999; $250,000 to $749,999; $750,000 and Up
• A $10 monthly service charge may be avoided by maintaining a $2,500 minimum daily balance. An excess transaction fee of $10 may be imposed for over six (6) transfers or withdrawals per month.
• $2,500 to Open

Please see a Community Bank of the South Customer Service Representative for current interest rates and disclosure information.

 


Loans

 

From time to time, if you are like most people or business owners, you have a need to borrow money. The loan professionals at Community Bank of the South invite you to talk with us when those needs arise. You will discover the best in prompt, professional service along with attractive interest rates and flexible terms to suit your budget. At Community Bank of the South, we're local people...making local decisions!

Loan Products:

 Consumer Loans
 Home Equity Loans
 Real Estate Loans - Click Here to Apply Online Now for a Mortgage Loan
Mortgages
 Credit Card Services


Community Bank of the South - NMLS# 463194

Click here for access to a consumer or commercial loan application.

Print, complete and mail, fax or walk-in to your nearest branch.
If you would like more information on our products and services, click on the link below, provide your name and basic contact information and a bank representative will contact you the next business day.

mail@cbsouth.com

Please see a Community Bank of the South Customer Service Representative for all products and services.

 

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