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Personal Checking Accounts

Community Banks of Shelby County offers a variety of checking accounts to meet the needs of each our customers.

Free Checking

For customers who have basic checking needs and don't want the responsibility of maintaining a minimum balance, this account is the ideal fit. There is a $100 minimum deposit required to open this account, but no minimum balance required thereafter. While the customer does pay for their own checks, there is no per item check charge.

Lake Club Advantage

If you do a considerable amount of check-writing, this account offers you a number of great benefits for a small monthly fee. Enjoy free checks with no minimum balance required. All you pay is shipping and handling. Other Lake Club Advantage benefits include:

  • Free Online Banking and Telebanking
  • Discount on Safe Deposit Box
  • Free Unlimited Personalized Checks (Must pay shipping and handling)
  • $10,000 Accidental Death and $100,000 Common Carrier Insurance

You'll be protected with $10,000 in Accidental Death Insurance 24 hours a day. As a member, your Accidental Death coverage increases to $100,000 while traveling by licensed Common Carrier

  • Identity Theft Insurance with Fraud Assistance

You'll have up to $2,500 in financial compensation for qualified expenses incurred in the recovery of your stolen identity. Included in this benefit is Fraud Assistance, a comprehensive service designed to help with the hassle of clearing your good name. You'll receive expert help to assist you about notifying creditors and more.

  • Everyday Grocery Savings™

Help yourself to savings that you can enjoy year-round. With Everyday Grocery Savings you can receive up to $500 worth of grocery coupons annually. Choose from a list of over 1,000 name brand items.

  • Everyday Rebate Rewards

Get rewarded - simply by purchasing items you use every day. Save your receipts when you buy groceries, eat out, purchase clothing, or buy pet supplies. At the end of every quarter, send the receipts (up to $100) with your Everday Rebate Rewards request form, and receive 10% back.

  • Cash Rewards

How would you like to earn $100...$200...$300 or more just for shopping? Now you can earn money back by making purchases through the Cash Rewards website. Register your credit or debit card and start shopping. It's that simple! Your cash rewards will be automatically refunded to your registered card on your monthly statement.

  • Payment Card Protection

Register all your credit, debit, ATM and check cards at one time and in one place. As a member, you'll feel more secure knowing that you are protected. If your cards are lost or stolen, simply call one convenient toll-free number 24 hours a day to cancel cards, stop unauthorized purchases and request new cards. You'll also have the security of knowing that if you are more than 50 miles from home and have reported the cards lost or stolen you have access to:

    • Emergency Cash
    • Emergency Airline Tickets

    (Some restrictions may apply)

  • Credit Alert

With 24-hour, daily credit monitoring, you'll be alerted automatically of certain negative changes to your credit. While it can't prevent identity theft, Credit Alert can greatly reduce its impact by allowing you to minimize the damage. In the unfortunate event you receive notification of a negative change, you'll be provided with access to the Credit Information Hotline. The hotline is staffed with trained individuals ready to provide answers to commonly asked questions. If there are no changes to your credit, you'll even receive a quarterly notification letting you know that nothing has changed. Your initial enrollment in Credit Alert will be valid for one year with an option to re-enroll at no additional cost!

  • Destination Savings™

Whether you're traveling on business or just for fun, Destination Savings is your ticket to discounted room rates at thousands of participating hotels, motels, inns and bed & breakfasts across the nation.

  • My GetAway

Your very own dream vacation awaits you! Choose from more than 20 exciting destinations. Then get ready to enjoy three fun-filled days and two exciting evenings of deluxe hotel accommodations...on us!

  • Companion Airfare

Love to travel? Why not take a friend along on your next venture? With Companion Airfare when you buy your regular-priced, adult, coach-class, round-trip ticket from any participating airline, you qualify for a complimentary, adult, coach-class, round-trip companion certificate every 12 months! So grab a friend and fly to your choice of more than 100 exciting destinations. You'll both have fun and save money at the same time!

NOW Account

This account earns interest, offers unlimited check-writing convenience, when you maintain a minimum balance of $1,000.00. If your account falls below the minimum balance of $1,000.00 any time during the month, a $6.00 service charge will be assessed.

Preferred Club

Our Preferred Club is reserved for employees of International Paper, Inc. and the community school employees of Shelbyville, Cowden-Herrick and Windsor.  There is no minimum balance required and no service charges will be assessed.  Our Preferred Club offers all the same benefits as the Lake Club Advantage with no monthly membership fee.



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