Personal Banking

At Community Bank of Pickens County we want you to have an account that fits your needs. Please contact one of our Customer Service Representatives at 706-253-9600 for more information.

Our checking accounts require $100 minimum to open.

Rewards Checking

Our Rewards checking account offers you unlimited check writing while allowing you to earn interest with no monthly service charge. There are three easy qualifications that must be met each monthly statement cycle to earn the premium interest rate on this account:

  • Make 10 debit card purchases
  • Account must maintain one direct deposit or one electronic payment
  • Enroll & receive statements electronically

If these qualifications are met, in addition to the premium interest rate, you will receive ATM fee refunds nationwide.

If the qualifications are not met during a monthly statement cycle, you will earn a different interest rate on your checking balance and ATM fees will not be refunded.

Classic Checking

  • Unlimited check writing
  • Debit card with no service charge
  • Online banking with free Bill Pay
  • $5.00 monthly service fee

Incentive Checking

  • Interest earned on daily balance
  • Unlimited check writing
  • Debit card with no service charge
  • Online banking with free Bill Pay
  • Monthly service charge waived with $1000.00 minimum balance, otherwise $9.00 per month
  • Basic checks free with $5,000.00 balance, otherwise regular rates apply

Veterans Checking

  • Unlimited check writing
  • Debit card with no service charge
  • Online banking with free Bill Pay
  • No monthly service charge
  • Basic checks free

50+ Checking

  • Unlimited check writing
  • Debit card with no service charge
  • Online banking with free Bill Pay
  • No monthly service charge
  • Basic checks free

Statement Savings

  • Opening deposit $50.00
  • Interest earned on daily balance
  • No monthly service charge
  • 3 free withdrawals per month
  • $1.00 service charge for each additional withdrawal over 3 per month
  • 6 maximum withdrawal per month

BEE-Ginner’s Savings

  • 12 years of age & younger
  • Opening deposit $5.00
  • Interest earned on daily balance
  • No monthly service charge
  • 3 free withdrawals per month
  • $1.00 service charge for each additional withdrawal over 3 per month
  • 6 maximum withdrawals per month

Money Market

  • Opening deposit $100.00
  • Interest earned on daily balance
  • Maximum of 6 withdrawals per month, including third party checks

Christmas Club Savings

  • Opening deposit $100.00
  • Interest earned on daily balance
  • No monthly service charge
  • $20.00 fee for withdrawals made prior to end of plan year

Certificates of Deposit

Enjoy the security of a guaranteed return when you open a Certificate of Deposit with a minimum deposit of $500.00. A variety of maturities are available with automatic renewal to meet your needs.

IRA’s

An IRA is an Individual Retirement Account that offers customers tax advantages to set aside money for retirement. Community Bank of Pickens County offers Traditional, Roth, and Coverdell Education savings accounts.

Community Bank Debit Card

Keep your funds close at hand with the Mastercard Check Card from Community Bank of Pickens County.

How the Card Works
Use your check card at any merchant who accepts Mastercard or at any ATM machine. Your purchase will come directly out of your checking account. To record your purchase, use your copy of the signed receipt to record your purchase in your check register. All transactions will be detailed on your monthly statement with a description of the merchant’s name, location, amount of purchases and date of check card purchase.

Hassle-free Purchasing Power
Loaded with features:

  • Fast! It works like a credit card but without the finance fees.
  • Easy! It works like a check…the money comes right out of your checking account.
  • Convenient! Use it at any ATM or anywhere Mastercard is accepted.
  • Use it with confidence knowing you’re not liable for unauthorized purchases.
  • Sign up for Mastercard SecureCode for added protection when shopping online.
  • You will enjoy detailed transaction descriptions recorded on your monthly checking account statements.

Getting a Community Bank Check Card is easy!
Visit any of our locations or call (706) 253-9600.

Report any unauthorized or fraudulent activity, lost, found or stolen cards immediately to: 800-554-8969.

Online Banking

Our Online Banking service allows you to access your accounts 24 hours a day, 7 days a week, all from your computer or tablet.

  • Check your account balances and look up transactions
  • Categorize your transactions and track your spending
  • Transfer funds between your accounts
  • Create account alerts to notify you via email or text message
  • Pay your bills online and save on postage
  • View check images and bank statements online
  • Reorder checks and choose from a variety of designs
  • Make a payment to your CBOPC loan in an instant
  • Send money to anyone with a smartphone or email address
  • Transfer money to or from another bank or institution
  • And Much More!

Mobile Banking

The CBOPC Mobile Banking app is fast, secure, and free. Optimized for iOS and Android devices, it offers immediate secure banking access anywhere, at anytime. Enjoy features such as:

  • View your account balance without logging in with InstaBalance®
  • Lookup transactions and view check images
  • Transfer funds between your accounts
  • Pay your CBOPC loan in an instant
  • Pay bills and manage your pending payments
  • Repay a friend for your share of the meal with PopMoney®
  • Lookup the nearest branch or ATM
  • Debit Card Management
  • Mobile Deposit – exclusions apply; see customer service for details

Security and privacy of your information is always a top priority at Community Bank of Pickens County. We utilize the same security and encryption features that is available on our Online Banking system. The CBOPC Mobile Banking app does not store any personal or financial information on your mobile device, so you can feel confident that you are safe with us!

Enrolling in CBOPC Mobile Banking
Use of the CBOPC Mobile Banking app is restricted to current Online Banking customers.  New users can enroll now by clicking here.

Download the CBOPC Mobile App
Smartphone users can take advantage of our Android™ or iPhone® apps

Download from The App Store Download from Google Play

Touchtone Banking

Bank by telephone 24 hours a day, 7 days a week using our Touchtone Banking service.

Just call 706-253-TONE (706-253-8663) from any touchtone phone and the automated system will guide you through a simple menu of options.

Touch-Tone Banking System Menu Keys

1. For Your Current Balance and Last Deposit
2. To Review Transactions or Receive a Fax
1. For The Most Recent Checks
2. For The Most Recent Deposits
3. For All Transactions Posted To Your Account
4. To Receive a Fax of Your Account Statement
5. For Pending Transactions That Will Post as of the Current Business Date
6. To See If a Specific Check Has Cleared
3. To Transfer Funds
1. From Checking To Checking
2. From Checking To Savings
3. From Savings To Checking
6. For Loan To Checking Advance
4. To make a payment
1. For Loan Payment from Checking
5. For Other Checking Account Functions
1. For Interest Information
9. To Inquire into Other Accounts or to Change Your Pin
1. For Checking Information
2. For Savings Information
3. For Loan Information
4. To Change Your Pin
Miscellaneous
1. For Location and Business Hours

Personal Loans

Whether it’s for vacation, a bigger car, or home repairs, our lending professionals are ready to help you. For more information, please contact one of our lending professionals at 706-253-9600.

We handle our loan decisions locally so you can expect all the attention you deserve along with the quickest decision possible .

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