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.
-
Customized Approach
You’re not cookie-cutter, and neither are we. We work closely with you to tailor our services to your needs.
-
Personal Attention
Our relationship managers are passionate about delivering personalized service to support your growth.
-
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
|
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 0.90% |
APY 0.90% |
|
Term1 6-11 months |
Min. to Open $1,000 |
Interest Rate 1.10% |
APY 1.11% |
|
Term1 12-23 months |
Min. to Open $1,000 |
Interest Rate 1.80% |
APY 1.82% |
|
Term1 24-35 months |
Min. to Open $1,000 |
Interest Rate 2.60% |
APY 2.63% |
|
Term1 36-47 months |
Min. to Open $1,000 |
Interest Rate 2.75% |
APY 2.79% |
|
Term1 48-59 months |
Min. to Open $1,000 |
Interest Rate 3.00% |
APY 3.05% |
|
Term1 60+ months |
Min. to Open $1,000 |
Interest Rate 3.25% |
APY 3.30% |
|
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 1.10% |
APY 1.11% |
|
Term1 6-11 months |
Min. to Open $1,000 |
Interest Rate 1.25% |
APY 1.26% |
|
Term1 12-23 months |
Min. to Open $1,000 |
Interest Rate 2.00% |
APY 2.02% |
|
Term1 24-35 months |
Min. to Open $1,000 |
Interest Rate 2.80% |
APY 2.84% |
|
Term1 36-47 months |
Min. to Open $1,000 |
Interest Rate 3.00% |
APY 3.05% |
|
Term1 48-59 months |
Min. to Open $1,000 |
Interest Rate 3.25% |
APY 3.30% |
|
Term1 60+ months |
Min. to Open $1,000 |
Interest Rate 3.50% |
APY 3.56% |
|
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 1.00% |
APY2 1.00% |
|
Term1 12 months |
Min. to Open $2,500 |
Interest Rate 1.20% |
APY2 1.21%
|
|
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 1.90% |
APY 1.92% |
|
Term1 18 months |
Min. to Open $500 |
Interest Rate 2.30% |
APY 2.33% |
|
Term1 24 months |
Min. to Open $500 |
Interest Rate 2.70% |
APY 2.74% |
You Might Also Be Interested In
Mobile & Online Banking
Manage all your banking and bill pay from our secure online portal. Want to take it with you? Get the CBB app.
Money IQ
Flex your financial muscle with these freshly informative videos, packed with relevant, useful information to help you master your money.
Questions?
Contact us to get started. Give us a call, visit a branch, or fill out our contact form to begin the conversation.