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 and get a free gift today.

Carefree CheckingSM

Carefree Business Checking

 

  • Free thank you gift
  • Free VISA Debit Card with text alert fraud prevention*
  • Free Online Banking with Bill Pay
  • Free Mobile Banking and Mobile Deposit
  • Free eStatements**
  • No minimum balance
  • No monthly service charge
  • Cash back for your old checks and debit card


     
  • Free thank you gift
  • Free VISA Business Debit Card with text alert fraud prevention*
  • Free Online Banking with Bill Pay
  • Free Mobile Banking and Mobile Deposit
  • Free eStatements**
  • No minimum balance
  • No monthly service charge
  • 500 free monthly transaction items1
    Each item over 500 is $0.35 per item
  • Up to $10,000 currency deposited per month FREE2
  • Cash back for your old checks and debit card

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.

**Paper statements available for only $2 per month.

1Transaction items include checks paid, checks deposited, deposits, ATM and ACH debits, and ACH credits. 
2Includes coin and currency. Just $1.50 per $1,000 deposited over $10,000. Minimum opening deposit is only $50.

Get in Touch

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

Locate a Branch Contact Us

Free Mobile Banking