Community Bank, N.A., (CBNA) is a full-service financial institution and national banking subsidiary of Community Bank System, Inc. With locations across Upstate New York and Northeastern Pennsylvania, CBNA offers personal loans, mortgages, checking and savings accounts, credit and debit cards, online banking, mobile banking, commercial loans, cash management and more. In addition to a full range of retail and business banking services, the company offers comprehensive financial planning, insurance and wealth-management services.
Home > Business > Deposits > Checking

FREE Business Checking

  • Non-interest-bearing account for businesses with less than 500 items a month**
  • Each item over 500 is $0.35 per item
  • No monthly service charge
  • No minimum balance
  • Free VISA Debit card with text alert fraud prevention*
  • Free Online Banking with Bill Pay
  • Free Mobile Banking and Mobile Deposit

Commercial Checking

  • Designed for businesses with normal to high activity accounts
  • No minimum balance required
  • Earnings credit allowance on deposit balances may offset activity fee
  • Only $15 monthly service charge
  • Transaction items only $0.16 each

Business Interest Checking

  • Interest-bearing account for sole proprietorship and not-for-profit organizations
  • $1,500 minimum balance to avoid a low monthly fee of $6
  • Up to $10,000 currency deposited per month FREE




 Accounts are subject to the completion of an application and the account's features, terms and transaction and service fees (including check printing, insufficient funds and overdraft fees), which are subject to change at any time in accordance with applicable law and agreements.  The minimum opening deposit is only $50.00. Please contact a Community Bank, N.A. representative for details.

*Debit card text alert fraud prevention service provided by smsGuardian.  Enrollment required for service activation.

**Transaction items include checks paid, checks deposited, deposits, ATM and ACH debits, and ACH credits.


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