Checking and Savings Accounts

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Country Club Bank offers a variety of personal checking and savings account options to simplify your finances and meet your everyday banking needs.

Find out more about convenience banking with online and mobile banking.

Connect Checking


Open an Account

Convenient banking tools

  • Online Banking
  • Mobile Banking with Mobile Check Deposit
  • Bill Pay
  • MasterMoney Debit Card
  • Online Statement

Complimentary existing life insurance review to include a personal needs assessment with a wealth solutions representative from Country Club Bank1.

ATM Benefits2
No ATM Transaction fees at Country Club Bank or MoneyPass® network ATMs.

Maintenance Fee
$7.00 maintenance fee per statement cycle. Maintenance fee will be reduced by $0.15 per signature based debit card transaction. Transactions must post within the statement cycle to qualify. Credit will not exceed maintenance fee. Paper statement fee is $2.50. Online statement no fee.

Advantage Connect

Open an Account

Convenient banking tools

  • Online Banking
  • Mobile Banking with Mobile Check Deposit
  • Bill Pay
  • MasterMoney Debit Card
  • Online Statement

Complimentary existing life insurance review to include a personal needs assessment with a wealth solutions representative from Country Club Bank1.

ATM Benefits2
No ATM Transaction fees at Country Club Bank or MoneyPass® network ATMs.

Interest on your checking balance
Interest earned will be calculated at our current rate.

Additional Bank Benefits

  • First box of checks for free3
  • Free Cashier's Checks and Money Orders
  • $20 discount on annual Safe Deposit Box rent any size

Maintenance Fee
$12.00 maintenance fee per statement cycle. A minimum daily balance of $5,000 or a combined average consumer deposit and/or loan balance of $20,000 per statement cycle required to avoid maintenance fee.

Simply Checking


Open an Account

Convenient banking tools

  • Online Banking
  • Mobile Banking with Mobile Check Deposit
  • Bill Pay
  • MasterMoney Debit Card
  • Online Statement

Complimentary existing life insurance review to include a personal needs assessment with a wealth solutions representative from Country Club Bank1.

ATM Benefits2
No ATM Transaction fees at Country Club Bank or MoneyPass® network ATMs.

Maintenance Fee
$10.00 maintenance fee per statement cycle. ACH Credit(s) with an aggregated total of $300 or more per statement cycle or $1000 minimum daily balance maintained to avoid maintenance fee. Paper statement fee is $2.50. Online statements no fee.

Student Checking
For ages 12-23

Open an Account

Convenient banking tools

  • Online Banking
  • Mobile Banking with Mobile Check Deposit
  • Bill Pay
  • MasterMoney Debit Card
  • Online Statement

Complimentary existing life insurance review to include a personal needs assessment with a wealth solutions representative from Country Club Bank1.

ATM Benefits2
No ATM Transaction fees at Country Club Bank or MoneyPass® network ATMs.

Maintenance Fee

No maintenance fee per statement cycle. Young adults age 12–234. First 2 checks or in-branch withdrawals free per statement cycle, additional checks or in-branch withdrawals per item will be $0.50. Paper statement fee is $2.50. Online statements no fee.


Reorder Checks

With Country Club Bank reordering checks is easy - click here to reorder checks.


Click here to view the personal fee schedule.


To learn more, contact us via our online contact form or call (816) 931-4060.

Regular Savings

Open an Account

This account is ideal if you want to establish savings for your children, make frequent deposits, save for vacations, or set aside money for other major purchases.

Minimum Opening Deposit
$100

Balance requirements to avoid a maintenance fee
No fee when a minimum daily balance of $100 is maintained.

Maintenance Fee
$3 monthly

Interest Statements
Accrued daily and paid monthly. Produced quarterly.

Transaction Limits
No more than six third-party withdrawals or preauthorized transfers per month.*

Withdrawals and/or transfers exceeding six per month will result in a $5 excessive withdrawal fee per month. If limitations are continuously exceeded, it may result in account reclassification.

Money Market Savings

Open an Account

A money market account gives you a higher interest rate than a regular savings account, plus the liquidity and flexibility of a checking account.

Minimum Opening Deposit
$100

Balance requirements to avoid a maintenance fee
No fee when a minimum daily balance of $1,000 is maintained.

No interest is earned on days that balance requirements are not met.

Maintenance Fee
$20 monthly

Interest Statements
Accrued daily and paid monthly. Produced quarterly.

Transaction Limits
No more than six third-party withdrawals or preauthorized transfers per statement cycle.*

Withdrawals and/or transfers exceeding six per month will result in a $25 excessive withdrawal fee per month. If limitations are continuously exceeded, it may result in account reclassification.

Student Savings

Open an Account

Minimum Opening Deposit
$25

Balance requirements to avoid a maintenance fee
No minimum balance.

Maintenance Fee
No fee

Interest Statements
Accrued daily and paid monthly. Produced quarterly.

Transaction Limits
No more than six third-party withdrawals or preauthorized transfers per month.*

Withdrawals and/or transfers exceeding six per month will result in a $5 excessive withdrawal fee per month. If limitations are continuously exceeded, it may result in account reclassification.

Ages 0-23
Coins counted free.


Certificate of Deposit (CD) Chart

Term/Account Type

7-89 days

3 month

6 month

1 year

Mini CD (1 year)

2 year

3 year

4 year

5 year

Opening Deposit

$1,000 and over

$1,000 and over

$1,000 and over

$1,000 and over

$250 and over

$1,000 and over

$1,000 and over

$1,000 and over

$1,000 and over

  • Automatic Renewal at Maturity - All CDs will automatically renew at maturity (with 10-day grace period)
  • Additional deposits to CDs - Additional deposits are not allowed except for the Mini CD, for which deposits are allowed in $50 increments.
  • Interest - Any term length greater than 12 months compounds quarterly; any term length less than 12 months compounds at maturity.
  • Interest Payment- Interest can be compounded or directly deposited into your Country Club Bank checking or savings account.
  • Withdrawal penalties may be charged on any of our CDs for early redemption.

Health Savings Account

Service Charges

Monthly Maintenance Fee (waived first 6 months after account opening; thereafter, $1,000 minimum daily balance required)
$5.00

Closing or Transfer Fee
$20.00

Excess Contribution Fee (waived for relationship customers)
$25.00

Paper Statements
$2.50

Electronic Statements
N/C

Interest Paid

Yes, if over $1,000

Account Features

Contributions to an HSA may be fully or partially tax-deductible. Contact your tax advisor with questions pertaining to the tax deductibility of your contributions.

All tax references are at the federal level. State taxes vary, please consult your tax advisor.


IRAs

When planning for retirement, consider opening a Country Club Bank IRA. We offer short and long-term Roth and Traditional IRAs to meet your specific needs. Contributions to an IRA may be fully or partially tax-deductible. Contact your tax advisor for questions pertaining to the tax deductibility of your contributions.

For more information email us or call (816) 931-4060.

All tax references are at the federal level. State taxes vary, please consult your tax advisor.

Savings Bonds

Savings bonds can be cashed by speaking to a teller at any of our financial centers. Savings bonds can be purchased through the U.S. Treasury website: http://www.treasurydirect.gov

To learn more about any of our accounts and services, contact us or call (816) 931-4060.

*Includes preauthorized, automatic, telephone, fax or internet transfers and 3rd party transfers by check, draft, and debit card.

1 Insurance products through Country Club Financial Services, Inc. not FDIC Insured, no bank guarantee, may lose value.

2 No ATM Transaction fees at Country Club Bank or MoneyPass® network ATMs. For out of network ATMs, not owned by Country Club Bank or within the MoneyPass® network, there will be a fee of $2.50 per withdrawal, $1.00 per inquiry, and $2.50 per transfer. All international transactions (ATM and POS) are subject to 1% currency conversion surcharge.

3 Complimentary standard checks must be ordered through Country Club Bank.

4 Minor Account will require parent or guardian joint ownership.