Personal Deposit Accounts

Make a difference in the neighborhoods where you live and work - choose an Albina Community Bank account.

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Community E-Free Checking
Looking for a free checking account?  Like the idea of receiving electronic statements and notices?  If so, the Community e-Free Checking is the product for you.

• $100 minimum opening deposit
• No minimum daily balance
• No monthly service fee
• Non-interest bearing
• e-Statement required
• No fee for standard online banking access
• Debit card with no monthly fee

Community Basic Checking
Would you prefer to receive a paper copy of your monthly statement and notices?  Try Community Basic Checking.  Keep a minimum balance in the account to avoid a monthly fee for paper statements.

• $100 minimum opening deposit
• No monthly service fee
• $2.50 monthly fee for paper statements; waived if a daily minimum balance if $500 is maintained
• No fee fee for eStatements and notices
• Non-interest bearing
• No fee for standard online banking access
• Debit card with no monthly fee

Community Interest Checking
Do you want to earn interest on your checking account?  Albina's Community Interest Checking pays competitive rates, and if you maintain a minimum balance in your account, we'll waive the monthly service fee.

• $100 minimum opening deposit
• $12 monthly service fee with eStatements; $14 monthly service fee with paper statements
• Monthly service fee waived if daily minimum balance of $1,500 is maintained
• Interest bearing
• No fee for online banking access
• Debit card with no monthly fee

Community Checking Plus
Looking for an account with all the bells and whistles?  The Community Checking Plus account gives you free Online Bill Payment services; a free small safe deposit box; free savings account; and five free Cashier's Checks or Money Orders every month.  Maintain a minimum balance and the monthly service fee is waived.

• $100 minimum opening deposit
• $10 monthly service fee with eStatements; $12 monthly service fee with paper statements
• Monthly service fee waived if daily minimum balance of $3,000 is maintained (same ownership; checking, savings, or Money Market accounts only), OR 2 or more electronic deposits totaling $1,000 or more made monthly
• Non-interest bearing
• 5 Free Cashier's Checks or Money Orders per month
• Free Consumer Online Bill Payment Services
• Free Small Safe Deposit Box (or a $35 annual box discount) where available
• Free Statement Savings account with combined statement
• No fee for standard online banking access
• Debit card with no monthly fee

Statement Savings
Saving for something special?  Want to start an account for a child or grandchild?  Our Statement Savings Account pays you a competitive rate of interest while giving you easy access to your funds.  We'll even waive the fee if you maintain a minimum balance or if the account is for the benefit of a minor.

• $50 minimum opening deposit
• $10 minimum balance required to keep account open
• $4.00 monthly service fee if daily minimum balance drops below $200 or if the account is for the benefit of a minor *
• $10 for each restricted transfer over 6 per month
• Variable rate of interest
• No fee for standard online banking access
• ATM card with no monthly fee

  * Under 18 years of age

Community Money Market
Want to earn a higher rate of interest while keeping your funds accessible?  A Community Money Market account is for you.  Maintain a minimum balance and we'll waive the monthly service fee.

• $100 minimum opening deposit
• $12 monthly service fee with eStatements; $14 monthly service fee with paper statements
• Monthly service fee waived if daily minimum balance of $3,000 is maintained
• $10 for each restricted transfer over 6 per month
• Tiered rate of interest based on account balance
• No fee for standard online banking access
• Debit card with no monthly fee

Community Money Market Plus
Our Community Money Market Plus account provides you with access to your funds and allows you to earn a higher rate of interest.  We'll waive the monthly service fee if you maintain a minimum balance.

• $100 minimum opening deposit
• $25 monthly service fee if daily minimum balance drops below $100,000
• $10 for each restricted transfer over 6 per statement cycle
• Earns interest based on account balance
• No fee for standard online banking access

Certificates of Deposit
Albina Community Bank's certificate of deposit accounts pay a higher rate of interest for a specific period of time.  Choose terms from 3 months to 5 years, with the ability to add to our 6 and 12 month certificates.

• $100 minimum opening deposit
• Terms from 3 months to 5 years
• ACB 6 and 12 month terms allow add-on deposits
• Early withdrawal penalties may apply

Individual Retirement Accounts
Saving for retirement or your child's college education?  We offer many different options to help you plan.

• $100 minimum opening deposit
• Terms of 1, 2 and 3 years
• 1 year term allows for add-on deposits
• Traditional, Roth and Coverdell (Educational) IRAs are available
• Early withdrawal penalties may apply