Preferred 50 Checking

A premium checking account designed specifically for those customers who have expanded relationships with Countybank, Preferred Checking rewards you with many value-added perks. And, if you are age 50 or older, we have included features with your potential needs in mind. With Preferred 50 just meet any one of five qualifiers, and you’ll be eligible for this long list of perks:1

  • Free personalized wallet style checks
  • Free Basic Checking account with no minimum balance requirements or monthly fees with a qualifying Preferred 50 account2
  • No charge from Countybank when you use another bank’s ATM
  • Countybank will refund all surcharges assessed by other financial institutions when you use another bank’s ATM3
  • Available higher daily ATM and Debit Card transaction limits4
  • Free Online Banking and Bill Pay
  • Preferred rates on HYPERLINK "http://www.ecountybank.com/banking/b_per_sa.html" Certificates of Deposit and Money Market Accounts
  • Preferred rates on installment loans5
  • $25 savings on loan processing fee for all new loans
  • Preferred rates on Countyline (home equity line of credit) with no closing costs6
  • Free 3 x 5 Safe Deposit Box (or discount on a larger box)7
  • Platinum VISA Credit Card with additional benefits including travel miles, travel accident insurance, and more.8
  • Mortgage: discounted closing costs when purchasing or refinancing a home; no application fee
  • Investments: no charge for asset allocation review; discount up to 40% commission on initial trade
  • Trust Services: no charge for trust and estate planning consultation; initial set-up charges waived on a new trust account
  • Insurance: no charge for a complete risk assessment/insurance review
  • Member of School Rewards Program

Compared to Preferred, with Preferred 50, you also enjoy:

  • Competitive interest paid on the full collected balance in your account when you maintain a daily collected balance of $1,000 or higher
  • A lower monthly fee of $20 if one of the five account qualifiers is not met
  • No penalty for early withdrawal of Certificates of Deposit for major medical expenses
  • Preferred 50 Club travel opportunities

CBOne Rewards
With this exceptional package of a dozen money-saving benefits, enhance the power of your checking account with CBOne Rewards. For only $3.95 per month, this program offers added insurance protection and substantial savings on everyday services, including hotels, dining, pharmacy, eyewear, and much more. Learn More

1 Countybank provides several options to qualify for this account and to avoid a monthly fee:

  • An average daily balance of $1,000 in the Preferred 50 account; or
  • An average daily balance of $10,000 in total consumer deposit accounts (any combination of other checking, savings, money market accounts and certificates of deposit); or
  • An average daily outstanding loan balance of $10,000 in total consumer loan accounts (any combination of installment loans, home equity lines of credit and in-house real estate/mortgage loans); or
  • Investable assets of $100,000 or more with Countybank Trust Services; or
  • Investable assets of $100,000 or more with Countybanc Investments.
  • If account relationship requirements are not met, account holders are subject to a $20 monthly fee.

2 The Basic Checking account is provided as an additional account with no minimum balance requirement or account fees with a qualifying Preferred 50 account. A $20 monthly fee will be charged in the event the Preferred 50 account is no longer maintained or is closed.

3 It is the intention of Countybank to credit your Preferred 50 Checking account with an amount equal to the surcharge fee assessed by other financial institutions when you use non-Countybank ATM’s. We will refund up to 10 surcharges assessed by other financial institutions per statement cycle. Since the surcharge is automatically debited from your account by other financial institutions as part of the ATM transaction, Countybank does not have access to the exact dollar amount of the surcharge. Therefore, on occasion, your account may be credited for an amount greater than or less than the amount of the actual surcharge fee. On the occasion that you are not credited for an ATM surcharge, and you have not exceeded your 10 surcharge refund limit per statement cycle, contact Customer Service at 864-942-1524, and we will credit your account by the next business day.

4 ATM and point of sale limits are increased with customer authorization, unless customer requests otherwise.

5 Subject to credit approval. Rate may vary based on several factors including credit history, amount, and term of loan.

6 Subject to credit approval.

7 Based on availability.

8 Subject to credit approval by credit card provider.