Products & Services

Switch to Commercial Bank as easy as 1, 2, 3!  Print out our switch kit here.

Looking for added value?  The Plus Account is for you!

Click here for other great checking and savings account options.

Deposit Accounts
Account Name Minimum Opening Deposit Service Charge Interest Bearing Bounce ProtectionSM
Plus Account 

(Waived with
qualifying balances)

Yes with collected balance of $1,000 $500.00*
$25.00 $5.00/mo
(None if e-statements elected and confirmed)
No $300.00*
Interest Checking 
$1,000.00 None with min Bal of $1,000.00
otherwise $10.00
Yes with collected balance of $1,000 $500.00*
Money Market 
$2,500 None with Min Bal of $2,500 otherwise $8.00 Yes with collected balance of $2,500 N/A
Statement Savings 
$200 None with Min Bal of $200 otherwise $5.00 Yes with collected balance of $1,500 N/A
Young Savers Club 
$5.00 None Yes with collected balance of $25 N/A

See a Commercial Bank New Account Representative for full details.

* Bounce ProtectionSM, a discretionary service, will generally be limited $300 overdraft (negative) balance for E-Checking Accounts or $500 overdraft (negative) balance for other eligible personal checking accounts. Any and all bank fees and charges, including without limitation our non-sufficient funds/overdraft fees (as set forth in our fees schedules) will be included in the limit. Customer may opt out of the Bounce ProtectionSM service of the bank at any time. In this case, the items overdrawing the account may be returned unpaid and the account will be still charged the non-sufficient funds/overdraft fee.

Business Services

We offer all the services and products you need to run your business smoothly and efficiently, including:

  •     Business loans for businesses of all kinds including agriculture and real estate financing
  •     Payroll servicing
  •     Mastercard® and Visa® merchant services
  •     Direct deposit origination
  •     Automated payments
  •     Payroll cards
  •     Business savings
  •     Certificates of deposits
  •     Safe deposit boxes
  •     Remote deposit capture
  •     Wire transfers
  •     Estate planning
  •     Trusts
  •     Night depositories
  •     Zipper lock deposit bags
  •     Insurance*
  •     Investment and financial services*          *(not FDIC insured)


Business Accounts
Account Name




Per Item Fees


Business Regular Checking




$0.15/debit item, 
$0.08/deposit item. 
No fee if item drawn 
on Commercial Bank

Earnings credit: Charges
against the account, if any, 
will occur only when the 
cost of handling the account 
exceeds the earnings credit.  
This earnings credit will be 
applied as a reduction to 
your charges

Business Interest Checking



Yes with collected balance of $1,000

$0.15/debit item, 
$0.08/deposit item. 
No fee if item drawn 
on Commercial Bank


Business Money Market


None with min 
balance of $2,500 
otherwise $6

Yes with collected 
balance of $2,500

No fee for first 20 
deposited items. 
$0.08 each additional 
item. No fee if item drawn 
on Commercial Bank

Limit of 6 
transfers each month, 
no fee for the first 
three, $2 each additional 

Small Business Checking
$200 None with min 
balance of $1,000 
otherwise $6
No None with any 
combination of 
first 100 debits, 
deposits or credits. 
Over 100 $0.25 each
This low-cost 
account is for sole 
proprietorships and 
with low activity

See a Commercial Bank New Account Representative for full details.

ATM/Debit Cards

Enjoy the convenience of 24-hour cash access and debit card point of sale transactions with our Commercial Bank Debit Card. There are no annual fees and no ATM fees when you use your card at one of our ATM locations. Avoid the hassles of writing a check - simply use your Debit Card instead.

Health Savings Account

Open an interest bearing Health Savings Account with a $100 opening deposit and a $10 set up fee. Interest rates vary based on savings tiers. (See bank for current rates.) For your convenience, you will receive an HSA debit card and you may make unlimited withdrawals at no charge. There is a monthly service charge of $2 with e-statements and $4 if we mail statements. A $25 transfer/closing fee will be assessed when the account is closed.

You must be enrolled in a qualified high deductible health insurance plan to contibute to an HSA. Contributions are tax-deductible. (Some restrictions apply, see bank for details.)

Certificates of Deposit and IRAs

Fixed Rate Certificates of Deposit and IRAs are available for terms of 3 months to 60 months, $1000.00 minimum deposit. Simple interest is paid by check, credited to another account, or compounded to the certificate. Variable rate IRAs are available only for terms of 18, 36 and 60 months. These certificates may automatically renew at the rate in effect on the renewal date.



At Commercial Bank we offer the loan that will fit your need whether you’re starting a business, buying your home, or buying a car, call or come by one of our locations and talk to one of our experienced lending officers today!

We offer:

  • Consumer Loans
  • Home Improvement Loans
  • Equity Lines (Fixed and Variable)
  • Home Loans (Fixed and Variable)
  • Agricultural Loans
  • Commercial Loans (Real Estate, Equipment and Operating)
  • Small Business Administration Guaranteed Loans (SBA)
  • Construction Loans (Commercial and Residential)

All loan applications are subject to approval.

Safe Deposit Boxes

Our locations have the security you need with safe deposit boxes. Boxes range in size from 3x5 to 10x10. Please call for availability and pricing.


1901 Main
1821 Main


501 Commercial


222 S Main


501 N. Pennsylvania


1315 S. Santa Fe Ave


105 E. 9th


108 S. McGee

Reorder Checks

Reorder personal checks online


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