Skip Navigation Skip Navigation Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view,download Adobe® Acrobat Reader.

Personal Accounts

Our Accounts

Checking Accounts

Checking that works for you.

Community Checking

Looking for a basic checking account that meets your daily needs? This is it!

  • No minimum opening deposit required
  • Monthly service charge

    Customer can avoid the $5 monthly service charge with one or more of these:

    • If you are a student under the age of 24
    • If an average collected monthly balance of $750 is maintained
    • If monthly direct deposits are made

Community Gold

Community Banking Company of Fitzgerald gets even better with age! (55 years of age or older)

  • No minimum opening deposit required
  • Benefits//Interest Bearing
  • Free Personalized Standard Checks
  • Monthly service charge

    Customer can avoid the $5 monthly service charge by maintaining a $100 minimum daily balance.

Gateway Checking

Concerned you won’t qualify for a checking account?  We have an alternative that may be right for you!  Apply today for our Gateway Checking Account!

  • No minimum opening deposit required
  • Monthly service charge

    $10 monthly service charge for this account.  An additional monthly fee of $5 for bill pay.

Savings Accounts

Regular Savings

An account that separates your spending money from your savings money and earns you a competitive interest rate!

  • No minimum deposit to open
  • Monthly service charge

    No monthly service charge if a $300 minimum daily balance is maintained; otherwise, a $2 monthly service charge will apply.

  • Transaction Limits

    There will be a $3 fee charged for each debit over six.

Kids Club Savings

It’s never too early to begin saving money! This account is designed for minors to do just that.

  • No minimum deposit to open
  • No monthly service charge

Christmas Club Savings

This account is for our customers who want to save for Christmas throughout the year, while earning a competitive interest rate at the same time! Withdrawals are not permitted on this account.

  • No minimum deposit to open
  • No monthly service charge
  • Early withdrawal fee

    $25 charge if account is closed early

Money Market Accounts

Money market accounts are an efficient way to earn more on your money while providing easy access to it as well. Compare our two money market options below and pick the one that is right for

Money Market Plus

With a Money Market Plus Account, the more you save, the more you’ll earn with our tiered interest rate structure.

  • Minimum opening Deposit

    Open with a $100 initial deposit.

  • Monthly service charge

    With a monthly balance of $1,000 or more, or an average collected monthly balance of $2,500 or more, there is no monthly service charge.

    On lower balances there will be a $5.00 monthly service charge.

Premium Money Market

This account is a secure place for your money to grow, earning a highly competitive interest rate while still giving you easy access to your cash!

  • Minimum opening deposit

    Open with a $50,000 minimum deposit

CDs and IRAs

CDs and IRAs are a great way to save and plan for the future. We offer flexible terms and competitive interest rates to grow your money safely.

Certificates of Deposit (CDs)

So what is a certificate of deposit exactly?  Good question! A certificate of deposit is a time deposit.  It is a great tool for saving money!  A Certificate of deposit has a fixed interest rate and fixed date of withdrawal, known as a maturity date.

Safely broaden your investment options with one of our Certificate of Deposit Accounts and watch your money grow.

Here are some reasons you may want to open a CD:

  • CD interest rates generally pay higher than other deposit accounts
  • Fixed Rate = Guaranteed Return
  • The FDIC provides security to your funds by insuring them up to the maximum applicable limits

Individual Retirement Accounts (IRAs)

An Individual Retirement Account is a form of savings account that is designed to grow your money for retirement.  Our IRA’s offer safe, consistent returns without uncertainties of financial markets.

Whether saving for retirement or looking for a safe roll-over option, Community Banking Company of Fitzgerald is here to provide investment tools to meet your goals.