Products & Services

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 Overdraft Privilege™
Plus Account 
$25.00

$7.00/mo
(Waived with
qualifying balances)

Yes with collected balance of $1,000 $1,000.00*
E-Account 
$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.

* Overdraft Privilege 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. Plus Accounts that have been open for one year, and that qualified for the $500 Overdraft Privilege limit and remain eligible for one year may qualify for $1,000 Overdraft Privilege. 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 Overdraft Privilege 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

Minimum 
Opening
Deposit

Service 
Charge

Interest 
Bearing

Per Item Fees

Extras

Business Regular Checking

$200

$6/mo

No

$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

$1,000

$6/mo

Yes with collected balance of $1,000

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

N/A

Business Money Market

$2,500

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 
preauthorized
transfers each month, 
no fee for the first 
three, $2 each additional 
withdrawal/transfer

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 
non-profit 
organizations
with low activity

See a Commercial Bank New Account Representative for full details.

ATM/Check Cards

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

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.

PLEASE NOTE THERE ARE SUBSTANTIAL PENALTIES FOR EARLY WITHDRAWAL.

Loans

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.

Parsons

1901 Main
1821 Main

Oswego

501 Commercial

Erie

222 S Main

Independence

501 N. Pennsylvania

Chanute

1315 S. Santa Fe Ave

Coffeyville

105 E. 9th

Caney

108 S. McGee

Reorder Checks

Reorder personal checks online

 

Return to Top