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  Community First Bank Simply Free Checking

Community First Bank Simply Free Checking

in Checking Accounts from Community First Bank of South Carolina · fdic

Unaffiliated

Community First Bank Simply Free Checking

Unaffiliated

in Checking Accounts from Community First Bank of South Carolina · Member FDIC

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Highlights
Monthly Fee $0
ATM Fee: Out-of-Network $1.50
Minimum Balance to Avoid Monthly Fee Starting at $0
APY (Annual Percentage Yield) 0%

Community First Bank Simply Free Checking Review

Community First Bank Simply Free Checking is offered by Community First Bank of South Carolina, a bank founded in 1990 and based in Walhalla, SC. Community First Bank Simply Free Checking is available in 2 states across the USA.

Key Takeaways
  • 0% APY. As with most checking accounts, Community First Bank Simply Free Checking does not pay interest.
  • $0 monthly fee. This account does not charge a monthly Service Charge.
  • Bill pay. Pay your bills to practically anyone in the United States through Community First Bank of South Carolina.
Community First Bank Simply Free Checking Pros & Cons
Pros Cons
  • Access to physical branches.
  • Free debit card
  • Access to a nationwide network of ATMs.
  • No signup bonus.
  • Does not earn interest
  • Does not offer mobile check deposits.
  • Only available in 2 states.
  • Higher than average wire transfer fees.
  • Charges a fee on out-of-network ATM transactions.
Community First Bank Simply Free Checking FAQ

Are checking accounts from Community First Bank of South Carolina federally insured?

Yes, your Community First Bank of South Carolina checking accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC #32838). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does Community First Bank Simply Free Checking offer?

Community First Bank Simply Free Checking is not an interest-bearing account.

What are the account minimums for Community First Bank Simply Free Checking?

Community First Bank Simply Free Checking requires a minimum initial deposit of $50 to open an account.

Community First Bank Simply Free Checking Minimums
Description
APY Minimum Balance $0
Minimum Combined Balance to Avoid Monthly Fee $0
Minimum Direct Deposit to Avoid Monthly Fee $0
Minimum Opening Deposit Starting at $50
Minimum Balance to Avoid Monthly Fee Starting at $0

What fees does Community First Bank Simply Free Checking charge?

The good news is that this account does not have a monthly Service Charge.

Community First Bank Simply Free Checking Fees
Description
ATM Fee: In-Network $0
Debit Card Replacement Fee $10
Early Account Closure $20
Monthly Fee $0
NSF Fee $35
Online Bill Pay Fee $0
Overdraft Item Fee $35
Paper Statement Fee $5
Returned Deposit Fee (Domestic) $10
Stop Payment Fee $30
Wire Transfer Fee - Domestic (Incoming) $15
Wire Transfer Fee - Domestic (Outgoing) $20
Wire Transfer Fee - International (Incoming) $60
Wire Transfer Fee - International (Outgoing) $60
ATM Fee: Out-of-Network $1.50

Does Community First Bank Simply Free Checking charge overdraft fees?

Yes, Community First Bank Simply Free Checking charges a $35 fee for every overdraft.

What features and perks does Community First Bank Simply Free Checking offer?

This account includes the following features:

  • Check images with statement - Reconciling your accounts and complying with document retention standards is easier when you have access to a copy of your checks.
  • Fraud monitoring - Community First Bank Simply Free Checking monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Community First Bank Simply Free Checking allows you to manage your money online or with a mobile app.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.

What is the customer support email for Community First Bank Simply Free Checking?

The customer support email for Community First Bank Simply Free Checking is callcenter@c1stbank.com.

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Message From Community First Bank Simply Free Checking

To simplify your banking needs, we’ve designed our new checking accounts around you and the choices that you make. Every new personal checking account includes: FREE Debit Card - FREE Online Banking - FREE Bill Pay - FREE Mobile Banking - FREE eStatements with online check images - FREE Thank You Gift AND, Buy back of your unused checks and debit cards from another financial institution, up to $10.00 maximum.

Simply Free Checking! A free account for everyone! NO minimum balance, and NO monthly service charge.

Availability

  Available in 2 states
  • North Carolina
  • South Carolina

Feature Breakdown

APY Minimum Balance $0
Minimum Combined Balance to Avoid Monthly Fee $0
Minimum Direct Deposit to Avoid Monthly Fee $0
Minimum Opening Deposit Starting at $50
Minimum Balance to Avoid Monthly Fee Starting at $0
ATM Fee: In-Network $0
Monthly Fee $0
Online Bill Pay Fee $0
Debit Card Replacement Fee $10
Early Account Closure $20
NSF Fee $35
Overdraft Item Fee $35
Paper Statement Fee $5
Returned Deposit Fee (Domestic) $10
Stop Payment Fee $30
Wire Transfer Fee - Domestic (Incoming) $15
Wire Transfer Fee - Domestic (Outgoing) $20
Wire Transfer Fee - International (Incoming) $60
Wire Transfer Fee - International (Outgoing) $60
ATM Fee: Out-of-Network $1.50
Account Features
  • Free Bill Pay
  • No Monthly Maintenance Fee
  • Nationwide ATM Network
  • Check Images with Statement
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • IRAs
  • Debit Card
  • Branch Access
  • Member FDIC
  • Check Writing

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