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Individual Accounts

The Tools to Meet Your Needs.

Ready to tackle your challenges and reach your goals? We’ll work with you to meet your personal banking needs.

  • Elderly solutions

    Customized Approach

    You’re not cookie-cutter, and neither are we. We work closely with you to tailor our services to your needs.

  • Business lending

    Personal Attention

    Our relationship managers are passionate about delivering personalized service to support your growth.

  • Family with baby

    Bank Your Values

    Where you put your money makes a difference. At Community Bank of the Bay, it’s easy to align your money with your values.

Individual Checking Accounts

  • Best for ...

    Best for ...

  • Minimum Opening Deposit

    Minimum Opening Deposit

  • Minimum Balance

    Minimum Balance

  • Annual Percentage Yield (APY)

    Annual Percentage Yield (APY)

INDIVIDUAL CHECKING

  • Best for ...

    Professionals who want a basic checking account.

  • Minimum Opening Deposit

    $500

  • Minimum Balance

    $500 to avoid a monthly $10 service charge

  • Annual Percentage Yield (APY)

    N/A

INDIVIDUAL INTEREST CHECKING

  • Best for ...

    Those who want the benefits of Individual Checking and maintain a higher average balance.

  • Minimum Opening Deposit

    $500

  • Minimum Balance

    $1,500 to avoid a $20 service charge

  • Annual Percentage Yield (APY)

EXECUTIVE INTEREST CHECKING

  • Best for ...

    Business owners & operators who already have a business account with CBB.

  • Minimum Opening Deposit

    $500

  • Minimum Balance

    $500 to avoid a monthly $5 service charge

  • Annual Percentage Yield (APY)

Individual Savings Solutions

We offer a range of saving and deposit options with competitive interest rates and flexible terms. Not sure which solution is best for you? Your Relationship Manager will walk you through the options and help you evaluate them against your needs and goals.

  • Best for ...

    Best for ...

  • Minimum Opening Deposit

    Minimum Opening Deposit

  • Minimum Balance

    Minimum Balance

  • Annual Percentage Yield (APY)

    Annual Percentage Yield (APY)

  • Transfers & Withdrawals

    Transfers & Withdrawals

ESSENTIAL SAVINGS

  • Best for ...

    Building savings and earning interest at the same time.

  • Minimum Opening Deposit

    $500

  • Minimum Balance

    $200 to avoid a monthly $10 service fee

  • Annual Percentage Yield (APY)

  • Transfers & Withdrawals

    Savings accounts are limited to 6 online transfers or automated transfers per month.

INDIVIDUAL MONEY MARKET

  • Best for ...

    Those who keep higher balances and want to earn higher interest and write checks.

  • Minimum Opening Deposit

    $500

  • Minimum Balance

    $1,500 to avoid a monthly $20 service fee

  • Annual Percentage Yield (APY)

  • Transfers & Withdrawals

    Money Market accounts are limited to 6 withdrawals per month by check or online transfer.

INDIVIDUAL RELATIONSHIP MONEY MARKET

  • Best for ...

    Business owners & operators who have a business relationship with CBB.

  • Minimum Opening Deposit

    $20,000

  • Minimum Balance

    $25,000 to avoid a monthly $20 service fee

  • Annual Percentage Yield (APY)

  • Transfers & Withdrawals

    Money Market accounts are limited to 6 withdrawals per month by check or online transfer.

Certificates of Deposits (CDs)

  • Certificates of Deposits

    Looking for guaranteed returns on your investment? This CD offers fixed interest on funds invested over a fixed term of three months or more.

  • Flexible Certificates of Deposit

    Enjoy all the benefits of our conventional Certificate of Deposit, with added flexibility of being able to add funds anytime during the term of the certificate. Additionally, you may make one withdrawal after the first 7 days of the term without a penalty.

Today's Rates

Certificates of Deposit with Balance of up to $99,999.99

Term1

Min. to Open

Interest Rate

APY

1 A penalty will be imposed for early withdrawal.

Term1

3-5 months

Min. to Open

$1,000

Interest Rate

0.50%

APY

0.50%

Term1

6-11 months

Min. to Open

$1,000

Interest Rate

0.60%

APY

0.60%

Term1

12-23 months

Min. to Open

$1,000

Interest Rate

0.80%

APY

0.80%

Term1

24-35 months

Min. to Open

$1,000

Interest Rate

0.90%

APY

0.90%

Term1

36-47 months

Min. to Open

$1,000

Interest Rate

0.95%

APY

0.95%

Term1

48-59 months

Min. to Open

$1,000

Interest Rate

1.00%

APY

1.01%

Term1

60+ months

Min. to Open

$1,000

Interest Rate

1.00%

APY

1.01%

Certificates of Deposit with Balance of $100,000.00 and up

Term1

Min. to Open

Interest Rate

APY

1 A penalty will be imposed for early withdrawal.

Term1

3-5 months

Min. to Open

$1,000

Interest Rate

0.60%

APY

0.60%

Term1

6-11 months

Min. to Open

$1,000

Interest Rate

0.70%

APY

0.70%

Term1

12-23 months

Min. to Open

$1,000

Interest Rate

0.90%

APY

0.90%

Term1

24-35 months

Min. to Open

$1,000

Interest Rate

1.00%

APY

1.01%

Term1

36-47 months

Min. to Open

$1,000

Interest Rate

1.05%

APY

1.06%

Term1

48-59 months

Min. to Open

$1,000

Interest Rate

1.10%

APY

1.11%

Term1

60+ months

Min. to Open

$1,000

Interest Rate

1.10%

APY

1.11%

Flexible Certificates of Deposit

Term1

Min. to Open

Interest Rate

APY2

1 A penalty will be imposed for early withdrawal.

Term1

6 months

Min. to Open

$2,500

Interest Rate

0.50%

APY2

0.50%

Term1

12 months

Min. to Open

$2,500

Interest Rate

0.70%

APY2

0.70%

IRA Certificates

Term1

Min. to Open

Interest Rate

APY

1 A penalty will be imposed for early withdrawal.

Term1

12 months

Min. to Open

$500

Interest Rate

0.90%

APY

0.90%

Term1

18 months

Min. to Open

$500

Interest Rate

1.00%

APY

1.01%

Term1

24 months

Min. to Open

$500

Interest Rate

1.10%

APY

1.11%

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Mobile & Online Banking

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Questions?

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