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.
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Carefree Checking

Carefree Checking for you and your business

Personal or business checking – or both – our Carefree Checking is easy to open and easy to use. Stop into your local branch to open your account today.

Carefree CheckingSM

  • No minimum balance
  • No monthly service charge
  • No per check charge
  • Free return of check images
  • Free VISA Debit Card with text alert fraud prevention*
  • Free Online Banking with Bill Pay
  • Free Mobile Banking and Mobile Deposit


     

Carefree Business Checking

  • Non-interest-bearing account for businesses with less than 1,000 transaction items a month**
  • 500 free monthly transaction items**
  • 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

All Personal Checking Accounts All Business Checking Accounts

 

 

The minimum opening deposit is only $50.00. Bank rules and regulations apply. 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. 

Get in Touch

Stop into a branch, pick up the phone or email us.

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Free Mobile Banking