Your relationship is our #1 focus.

Checking

Our Personal Checking Accounts are simple and loaded with benefits, no matter which one you choose!

Personal Checking Accounts
Accounts & FeaturesFree CheckingInterest Checking 50+ Checking Relationship Checking Relationship Plus Checking
Minimum Balance to Open $25.00 $25.00 $25.00 $25.00 $25.00
No Monthly Service Charge Star No, if monthly average ledger balance maintained* Star  No, if monthly average ledger balance maintained**  No, if monthly average ledger balance maintained and one direct deposit or billpay per month***
Earns Interest****   Star  Star   Star  Star
Unlimited Check Writing Star Star Star Star   Star 
Debit Card Available Star Star Star Star  Star 
Safe Deposit Box Discount       Star  Star 
Free CAB Money Orders and Cashier’s Checks   Star Star  Star  Star
Free Basic Checks   Star Star  Star  Star
Free ATM/Debit Card with monthly rebated fees from non-CAB ATMs Star  Star Star  Star
  • Unlimited
Free Telephone Banking, Online Banking, Bill Pay Service, Mobile Banking and eStatements Star Star Star Star  Star 
Bank to Bank transfers (A2A banking)^        Star  Star

*No monthly service charge when you maintain an average monthly ledger balance of $1500.  If you fall below that amount, a $15 service charge will apply to that statement cycle.
**No monthly service charge when you maintain a combined (DDA, MM, Savings and outstanding loan balances) average monthly ledger balance of $25000.  If you fall below that amount, a $15 service charge will apply to that statement cycle.
***No monthly service charge when you maintain a combined (DDA, MM, Savings and outstanding loan balances) average monthly ledger balance of $25000 and one direct deposit or billpay per month.  If requirements are not met, a $25 service charge will apply to that statement cycle. If the requirements of this account are not met within 90 days, or are not met for 90 continuous days thereafter, the account will be converted to a Colonial American Bank Money Market. Current rates and terms of the money market at that time will apply.
****Interest bearing checking accounts calculate interest by using the daily ledger balance method. Interest is compounded daily and credited monthly.
^Transfers into your CAB account are free; transfers out are $2.00.

Free Checking

  • $25.00 minimum to open
  • Unlimited check writing
  • No monthly service charge
  • No per check charge
  • FREE ATM/Debit Card; non-CAB ATM fees rebated up to $10
  • FREE starter checks
  • FREE Notary Service
  • FREE Telephone, Online Banking, Bill Pay Service, Mobile Banking and eStatements

All Deposits are FDIC insured up to at least $250,000.00.

 

Interest Checking

  • $25.00 minimum to open and earn interest
  • No monthly service charge when you maintain an average ledger balance of $1500.00 (If the balance falls below that amount, a $15 service charge will apply for that statement cycle)
  • Unlimited check-writing
  • No per-check charge
  • FREE ATM/Debit Card; non CAB ATM fees rebated monthly up to $15
  • FREE basic checks
  • Free Colonial American Bank Money Orders and Official Bank Checks
  • MM and CD (non-promotional) rate advantages
  • Free Notary Service
  • FREE Telephone, Online Banking, Bill Pay Service, Mobile Banking and eStatements

All Deposits are FDIC insured up to at least $250,000.00.

 

 

 

 Relationship Checking

  • Premier interest rate
  • $25,000.00 combined minimum balance (DDA, MM, Savings and outstanding loan balances)
  • Unlimited check writing
  • No monthly service charge when you maintain an average ledger balance of $25,000.00
    (If the balance falls below that amount, a $15 service charge will apply for that statement cycle)
  • FREE ATM/Debit card; non-CAB ATM fees rebated monthly up to $30
  • Bank to Bank transfers (A2A banking) - a mobile and online product that will allow you to transfer money from accounts between different banks
  • FREE basic checks
  • FREE Colonial American Bank Money Orders and Official Bank Checks
  • FREE small safe deposit box (other sizes ½ price)
  • MM and CD (non-promotional) rate advantages
  • FREE Notary Service
  • FREE Telephone and Online Banking, Bill Pay Service, Mobile Banking and eStatements

All Deposits are FDIC insured up to at least $250,000.00.

 

 

 Relationship Plus Checking

  • Premier interest rate
  • $25,000.00 combined minimum balance (DDA, MM, Savings and outstanding loan balances)
  • Unlimited check writing
  • No monthly service charge when you maintain a combined (DDA, MM, Savings and outstanding loan balances) average monthly ledger balance of $25000 and one direct deposit or billpay per month.  If requirements are not met, a $25 service charge will apply to that statement cycle. If the requirements of this account are not met within 90 days, or are not met for 90 continuous days thereafter, the account will be converted to a Colonial American Bank Money Market. Current rates and terms of the money market at that time will apply.
  • FREE ATM/Debit card; unlimited non-CAB ATM fees rebates
  • Bank to Bank transfers (A2A banking) - a mobile and online product that will allow you to transfer money from accounts between different banks
  • FREE basic checks
  • FREE Colonial American Bank Money Orders and Official Bank Checks
  • FREE small safe deposit box (other sizes ½ price)
  • MM and CD (non-promotional) rate advantages
  • FREE Notary Service
  • FREE Telephone and Online Banking, Bill Pay Service, Mobile Banking and eStatements

All Deposits are FDIC insured up to at least $250,000.00.

 50+ Interest Checking

  • $25.00 minimum to open
  • Unlimited check writing
  • No monthly service charge
  • No per-check charge
  • Special Annual Percentage advantage
  • FREE ATM/DEBIT Card; non-CAB ATM fees rebated monthly up to $15
  • FREE basic checks
  • Free Colonial American Bank Money Orders and Official Bank Checks
  • CD and MM (non-promotional) rate advantages
  • FREE Notary Service
  • FREE Telephone and Online Banking, Bill Pay Service, Mobile Banking and eStatements

All Deposits are FDIC insured up to at least $250,000.00.