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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FREE Savings

Premium Savings Account

FREE Savings says "no" to monthly service charges and "yes" to maximizing your account's growth potential. You'll now enjoy the freedom to save with:

  • No minimum balance
  • No low-balance fees
  • Interest earned on every dollar
  • Competitive rate of interest
  • Higher-yielding savings account
  • Eliminate the worry and effort of moving money
  • Ready access to your cash
  • Variable rate of interest
  • $5,000 minimum balance

Christmas Club


  • Easy way to set aside money for the holidays
  • Convenient automatic transfers
  • Choose an amount that meets your needs
  • Accounts with automatic deposit earn interest
  • All distributions are made in early October
  • Tailored to meet your financial goals
  • Choose from a variety of terms and rates
  • Minimum deposits apply


Money Market Account

  • Earn high tax-deferred or tax-free interest
  • Plan for a secure retirement
  • Variety of plans suited to meet your retirement needs
  • Variable interest rate and limited check-writing allowance
  • $1,000 minimum deposit to open and earn interest
  • Tiered money market account
  • For customers seeking higher yields with higher balances
  • Choose from five levels of investment balances and rates

Prime Money Market Account

Health Savings Account (HSA)

  • Minimum deposit to open and avoid $10 monthly service fee is $25,000
  • Minimum to earn interest is $2,500
  • These tax-advantage special savings accounts permit eligible customers to pay for current and future qualified medical expenses. Savings are exempt from Federal Income Tax and earnings are tax-deferred, and employer or employee contributions to the HSA are excluded from income. To be eligible to open our HSA, customers must first open a High Deductible Health Plan.

Accounts are subject to the completion of an application and the account’s features, terms and conditions, which are subject to change at any time in accordance with applicable laws and agreements.  Please contact a Community Bank representative for details.  

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