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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Checking Accounts 

50 and Better Interest Checking   0.01% APY
Direct Interest Checking   0.01% APY
Premium Interest Checking    
Balances $0-$1,499.99   0.01% APY
Balances of $1,500 or more   0.03% APY
Business Interest Checking   0.05% APY

Minimum deposit to open is only $50.00


Savings Accounts

Free Savings   0.05% APY
Premium Savings**   0.07% APY

**Premium savings accounts only: Minimum deposit to open and avoid $5.00 monthly service fee is only $5,000. Minimum balance of only $500.00 to earn interest.Service fees could reduce savings account earnings.Other savings accounts available. Contact your local branch for details.



For current loan rates and details please contact your local branch.    



Prime Money Market*

Balances $2,500 to $24,999.99   0.03% APY
Balances $25,000 and over                0.30% APY

*Minimum deposit to open and avoid $10.00 monthly service fee is only $25,000. Minimum to earn interest is only $2,500.00
Other Money Market accounts available. Contact your local branch for details. 




48-Month Term   0.70% APY
60-Month Term   0.95% APY

***Contact your local branch for other CD  rates and terms. $25,000 minimum deposit for CDs 7 -29 days. $2,500 minimum deposit for CDs 30 - 181 days. $1,000 minimum deposit for CDs 182 days and over.

Penalty may be imposed for early withdrawal from CDs accounts.
Excludes public funds and has a $1 million maximum on business accounts.

Annual Percentage Yields (APY) are accurate as of 8/22/2018, and subject to change at anytime at the Bank's discretion. Once CDs are opened rate will not change until maturity.Additional products are available.  

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No Closing Costs Mortgages