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We want you to think of Columbia County Farmers National Bank as your financial "life support system"... the provider of services like checking, to simplify bill-paying and record
keeping... loans, for any worthwhile purpose... savings, to prepare for future needs, and many other vital services.
Above all, we try to make banking as easy and understandable as possible. If you have any questions about any of the services outlined on this page, come in and see us.
You'll be talking to professionals, whose experience and training can help you find better ways to manage your money.
Remember, we're big enough to satisfy all your needs, but not so big we lose sight of our customers as individuals and fellow citizens. All decisions are made right here at
home, in the best interests of our customers and our community.
Checking Accounts
Each depositor is insured up to $100,000 by the Federal Deposit Insurance Company (FDIC).
Regular Checking Accounts
A CCFNB checking account is easy to open, and provides a safe and
convenient way to pay bills and keep track of expenses. Other services available with checking accounts are: MAC, Debit Card, Electronic Bill Payment, Direct Deposit and Convenient Credit.
Super Now Accounts
This account works like a checking account but pays interest like a savings account. Interest is compounded and posted monthly. It's easy to
open... a convenient way to pay bills while earning interest. MAC card, Debit Card and Direct Deposit services are also available with this account.
Business Checking Accounts
Our Business Checking Accounts meet all business needs, including general, payroll and transfer accounts, and cost our customers less to
maintain than those of any other area bank. We offer night depository service, accept MasterCard and Visa deposits, and accept federal withholding deposits.
Customer Choice Clubs
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50 Years of Age and Older
- No Maintenance fee if $100 minimum balance is maintained.
- If balance falls below the minimum during a month, a $7.00 fee is assessed.
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Under 50 Years of Age
- A $7.00 monthly maintenance fee is deducted from your account and no minimum balance is required.
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- Free Personalized Checks
- Unlimited Check Writing
- Interest on Checking
- Monthly Statements
- No Charge on Stop Payment Orders
- $101,000 Accidential Death and Dismemberment Insurance
- Credit Card Protection
- $3.00 Discount on Safe Deposit Box Rental
- Lost Key Return
- Discounted fee for Travelers Checks, Cashiers Checks and Money Orders
- Bi-Monthly Newsletter
- Telebank (via the telephone)
- On-line Banking (via the internet)
- 24-Hour ATM Banking/Debit Card
- And More!
Overdraft Privilege
When you have a checking account with CCFNB and maintain your account in good standing, you may be eligible to have overdraft
privilege. Columbia County Farmers National Bank may elect to pay your overdraft checks or items rather than returning them unpaid -- saving you the embarrassment of having a check returned unpaid,
and the expense of having to pay two fees for a single overdraft. Overdraft privilege is not a line of credit. However, should a customer inadvertently overdraw their account, CCFNB will normally
cover overdrafts up to $500 after first subtracting the amount of the overdraft fee(s). Should an overdraft occur, a customer's account would be charged the standard non-sufficient funds fee for handling
each item even if paid by the Discretionary Overdraft Privilege. This is the same fee that CCFNB charges for checks drawn against insufficient funds and returned to the payee.
Although the amount of the Discretionary Overdraft Privilege will not be shown in your available balance, it may be available to you at the ATM for cash withdrawals and may also be available when you use
your check card for purchases at retail merchants.
Telebank
To sign up, stop in one of our eight branches and fill out an application.
387-4107 (locally)
1-877-at-CCFNB (Toll Free)
- Transfer Funds
- Balance Inquiries
- Check Verification
- Loan Payments
- Rate Information
- 24/7 Account Access
On-Line Banking
Columbia County Farmers National Bank uses today's technology
via the Internet to provide a number of services free of charge to our retail (personal) customers. Retail customers can make balance inquiries on all deposit and loan accounts, view account histories,
including deposits, withdrawals, cleared checks, and transfers, search account history by check number, amount, and/or date range, transfer funds between accounts and more.
For a nominal fee, CCFNB customers can also take advantage of bill payment services which will enable them to make payments on everything from loans to credit cards, utilities to department stores,
and even automatically pay reoccurring monthly bills.
Additional time-saving services are available to business customers such as direct deposit payroll, wire transfers, tax payments and
much more. For specific information regarding fees that may be applicable for these business services, please contact one of our branch offices.
You must have an account with CCFNB to use the On-Line Banking system. If you are interested in On-Line Banking, please visit any of our local community branches to enroll.
Loan Services
Consumer Loans
At CCFNB we make borrowing as easy as possible, with many types of consumer loans to satisfy your credit needs:
Personal Loans
Money for any worthwhile purpose.
Auto Loans
The fast, easy, convenient way to finance your automobile.
Convenient Credit
Our Personal Credit Program that lets you write your own loans with personal checks, or obtain cash with your ATM card or debit card.
Home Improvement Loans
Increase the value of your home by renovation or remodeling.
Home Equity Loans
A line of credit using the equity built up in your home as collateral. Write your own loans simply by using credit-line checks that look like ordinary
checks.
Real Estate Loans
CCFNB provides interim and permanent financing for commercial and residential properties.
Mortgage Partnership Finance Program
CCFNB entered into a contract with the Federal Home Loan Bank of
Pittsburgh in August of 2002 to sell them fixed rate mortgages. This allows CCFNB to offer our customers a low fixed rate mortgage. The Federal
Home Loan Bank provides the funding and accepts the interest rate.
Pennsylvania Housing Finance Agency
Early in 2004, CCFNB started offering PHFA loans. PHFA is a single
family home ownership program sponsored by the Commonwealth of Pennsylvania to assist low to middle income persons, the elderly and persons with special housing needs to obtain a loan to purchase a home.
The federal government sets the requirements for the program, i.e. purchase price, income guidelines and first time homeowner requirements.
Business Loans
Lending services are available to businesses of all sizes by applying all our commercial experience to each individual situation. We provide lines of
credit for working capital, inventory, and accounts receivable, in addition to term loans for equipment, fixtures, and remodeling.
Savings Accounts
Each depositor is insured up to $100,000 by the Federal Deposit Insurance Company (FDIC).
Statement Savings Accounts
This account facilitates transactions at any CCFNB office. You receive a quarterly statement listing account balance, deposits, withdrawals, and
interest credited. Interest is compounded and posted quarterly..
Youth Savings Account
Beginning July 1, 2005, individuals under 18 years of age were able to open
a Statement Savings account with no minimum balance requirement and no monthly service charge. Interest is paid on the entire balance and is compounded quarterly and posted at the end of every quarter. Statements
are sent quarterly.
Money Market Accounts
This type of account offers insured savings with liquidity and a competitive money market rate. You can make unlimited deposits or withdrawals, in
person or at any MAC automated teller machine. Interest is compounded and posted monthly.
Certificates Of Deposit (CDs)
We offer CDs for $500 - $1000 for 24, 30 or 60 month terms only. When you purchase a CD for $1,000 or more you can choose from many terms
and rates. Terms for CDs greater than $1,000 may be as short as 32 days, or as long as 5 years. CD interest can be deposited automatically to your checking or savings account, may be added back to the CD, or a check
may be issued.
Club Accounts
Christmas and Vacation Clubs provide systematic savings, with competitive interest rates. Choose the weekly plan that fits your budget. Interest is
earned from day of deposit, payable when club matures.
Individual Retirement Accounts (IRA)
An IRA may lessen your tax liability while building your retirement fund. Ask a Customer Service Representative for details.
Financial Planning Services
Special Services
Safe Deposit Boxes
You may safeguard your valuables at a low annual cost in our safe modern vaults.
Direct Deposit
Any customer receiving Social Security or Supplemental Security benefits is eligible for this free account that eliminates danger of lost or stolen
checks, and makes your payment available immediately. We also offer direct deposit of payroll.
Wire Transfer
We have access to the Federal Reserve wire system; see us for quick, safe funds transfers to anywhere in the country.
Travelers Checks
The safe, convenient way to carry money when you travel.
PLUS:
Night Depository Service
Personal Money Orders
Cashier´s Checks
U.S. Savings Bonds
Utility Bill Payments
Bank-By-Mail
Certified Checks
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