Categories
Manual

Fee Schedule

STANDARD FEES

PERSONAL & BUSINESS

EFFECTIVE: Feb 13, 2023

ACCOUNT SERVICES
Account Closed by Customer (within 90 days of opening)
• Checking or Savings$20.00
• Youth Savings$2.00
Account Research$25.00 per hour
Card Services
• MasterCard Debit Card Replacement$10.00
• Expedited Card Replacement$50.00 (3-day) $75.00(Overnight/next day)
• Non-Community First ATM usage$1.50 (in addition to fee charged by ATM)
• ATM surcharge (non-CFB card usage)$3.00
Check PrintingFee depends on style of check ordered
Counter Checks (per sheet of four)$1.00 (per sheet of 4)
CPA Confirmation$20.00
Deposit Account Charge-Off Collection$25.00
Dormant Account Fee$10.00 per month - Fee will be assessed if no account activity or contact for a period of 12 months for checking; 24 months for savings account.
IRA Trustee-to Trustee Transfer$50.00
NSF Items
• Overdraft (each occurrence paid) *$35.00 (daily maximum limit 5 per day)
• Returned Item (each occurrence) *$35.00 (daily maximum limit 5 per day)
*Fee applies to each overdraft or returned item per occurrence by any of the following means: check, ACH, or other electronic means.
Returned Deposited Item$10.00
Personal Performance Money Market (discontinued)Transactions over (6) $10.00 fee per item
Statement Services
• Paper Statement Fee$5.00
• Account Activity Printout$5.00
• Account Balancing Assistance$25.00 per hour
• Special Statement Cutoff/Duplicate Statement$5.00
Stop Payment$30.00
Tax Levy/Garnishments$100.00
Collection/ Exchange of Foreign Currency$35.00
Cashier’s Checks
• Customer$5.00
• Noncustomer (up to $500.00 with guaranteed funds)$10.00
Money Orders
• Customer$2.00
• Noncustomer (up to $500.00 with guaranteed funds)$5.00
Fax Services$5.00 plus $1.00 per page
Photocopies (miscellaneous documents)$0.25 per page
Safe Deposit Box Annual Rental
• 2 x 5$32.00
• 3 x 5 / 3 x 6$35.00
• 5 x 5 x 14$40.00
• 5 x 5 x 24$45.00
• 3 x 10 / 5 x 6$60.00
• 5 x 10 / 4 x 13$70.00
• 10 x 10$105.00
Late Payment$10.00 after 30 days
Lost Key$250.00 per occurrence
Wire Transfer Services
• Domestic Incoming$15.00
• Domestic Outgoing$20.00
• Domestic Online Outgoing$15.00
• International Incoming$60.00
• International Outgoing$60.00
BUSINESS ACCOUNTS ONLY
ACH Origination$15.00 per month / $0.10 per item
Remote Deposit Capture$12.00 per month
Zero Balance Sweep Accounts$15.00 per account per month
Categories
Manual

EFT Authorization

Electronic Funds Transfer Authorization

I hereby authorize Community First Bank, on behalf of itself, to initiate a one-time debit entry to the external account at the financial institution noted within the transfer for opening of the new account. I am agreeing to authorize an external checking or savings account to electronically transfer funds to open the new account.

  • I authorize Community First Bank to use the information submitted to perform a one-time debit from my external bank account.
  • I certify that I am an owner or authorized signer for this account.
  • I authorize the financial institution where this account is held to honor the withdrawals.
  • I acknowledge it is my responsibility to have sufficient funds in this account to cover these withdrawals. I understand that any withdrawal that is refused due to insufficient funds may be resubmitted at Community First Bank’s discretion. If there are not sufficient funds in this account, I understand my account may be canceled or closed at the bank’s discretion.
Categories
Manual

eConsent Disclosure

E-Sign Consent and Disclosures

This E-Sign Consent and Disclosure (the “Disclosure”) applies to all current and future Electronic Records for all products and services offered by Community First Bank. This Disclosure asks for your consent so that we may provide communications and information to you in an electronic format rather than on paper. Before you decide whether or not you wish to provide your consent to receiving electronic disclosures and/or notices, you should read and consider the following information.

As set forth in this Disclosure, “communication” means any authorization, agreement, disclosure, notice or other information related to all your products and services at Community First Bank including but not limited to, information we are required by law to provide to you in writing.

Communications to be Provided in Electronic Form

When you agree to receive documents via email, you agree that we may provide you with any communications relating to your product and services in electronic format. You also agree that we may discontinue sending paper communications to you, unless and until you withdraw your consent.

Your consent to receive electronic communications include:

  1. All legal and regulatory disclosures and communications associated with your residential real estate or consumer loan;
  2. Notice of Special Flood Hazards;
  3. Affiliated Business Arrangements;
  4. Appraisal reports;
  5. Adverse Action notices;
  6. Privacy policies;
  7. Account Disclosures;
  8. Any other documents, but not limited to, information that we are required by law to provide to you in writing.

All communications that we provide to you in electronic form will be provided via electronic mail to the email address you specified.

Requesting Paper Copies

You can obtain a paper copy of an electronic communication by printing it yourself or by requesting that we mail you a paper copy. To request a paper copy, please contact us by email at cdp@c1stbank.com.

How to Update your Records 

It is your responsibility to provide us with true, accurate and complete contact information, and other information related to this Disclosure and your account, if applicable. You can update such information by emailing cdp@c1stbank.com or by visiting your nearest location.

Communications in Writing

All communication in either electronic or paper format from us are considered to be in writing. There are no unwritten oral agreements between parties. You should print or download for your records a copy of this Disclosure, your initial authorization to receive email disclosure, any changes to the authorization, and any other communication that is important to you.

Hardware and Software Requirements 

In order to access, view, and retain electronic communications that we make available to you, you must have:

  1. A personal computer, tablet, smart phone or any other device capable of receiving, accessing, displaying, and either printing or storing communications received in electronic format;
  2. Current internet browser, i.e., Firefox, Google Chrome, Internet Explorer, and Safari for Macintosh;
  3. Current version of Adobe Acrobat Reader;
  4.  An email account;
  5. A printer to print your documents.

How to Withdraw Consent 

You may withdraw your consent to receive communications in electronic format by contacting your personal banker via email at cdp@c1stbank.com. We may treat an invalid email address or subsequent issue/discontinuation of a previously valid address as a withdrawal of your consent to receive electronic communications. We will not impose any fee to process the withdrawal of your consent to receive electronic communications.

Federal Law

You acknowledge and agree that your consent to electronic communications is being provided in connection with a transaction that is subject to the federal E-Sign Act, and that you and we both intend that the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.

Categories
Manual

Mobile Privacy Policy

Mobile Privacy Policy

Rev. 04/2023

Facts

WHAT DOES COMMUNITY FIRST BANK DO WITH YOUR PERSONAL INFORMATION FROM THE MOBILE APPLICATION?

Why?

The mobile application requests access to information stored on your device such as location, camera, contacts, or other features you are enrolled in to enrich and simplify your own user experience and improve our services, as well as provide additional security to protect your account.

It is important for you to understand that:

  • Before granting access to this information, you will be prompted to give the application that permission.
  • If you do not wish to grant that permission, you may decline.
  • If you later change your mind, those permissions can be updated in your device’s settings.

What?

Some examples of information your app will request access to are:

  • Location
  • Contacts
  • Camera

How?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

The application information is retained in accordance with state and federal record retention laws. Please contact us to determine specific timeframes for your personal stored information and if that information may be deleted.

Questions?

Please contact Community First Bank at 1-864-364-6130 regarding questions about the information included in this Mobile Privacy Disclosure or questions about this application.

You can also access the bank’s full Privacy Policy HERE.

Categories
Manual

Understanding Fraud

Report Fraud

SAFEGUARD YOUR FINANCIAL INFORMATION

At Community First, our highest priority is the protection of your personal and financial information, and we go to great lengths to maintain your privacy and security. There are also steps that you can take to protect yourself, which are provided below. Please review this information carefully and save it as a reference. As always, thank you for banking with Community First.

Spotting Debit Card Fraud

Learn about different types of debit card fraud and tips to protect yourself.

READ MORE…

Debit Card vs Credit Card

Learn the difference between debit card and credit card fraud.

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ONLINE BANKING

General Tips

  • Community First will never initiate contact with you to request your login credentials or any other confidential information. Do not give that information to anyone over the telephone.
  • When using Online Banking, ensure that the “secure site” (padlock) icon is visible.
  • Remember to change your password periodically.
  • Maintain the confidentiality of your password.
  • Ensure that your firewall is active.
  • Log on from the Online Banking site once your banking is complete.
  • Review your bank statements in a timely manner.
  • Always double-check the website URL to ensure that it is correct and not misspelled.
  • Keep your security software up to date.

Personal Banking Customers

  • Ensure the strength of your password by incorporating both upper-case and lower-case letters, numbers, and special characters.
  • When shopping online, follow the steps provided by your credit card vendor to use your secure code for protection against unauthorized use of your card.
  • For more information, visit https://www.fdic.gov/consumers/ consumer/news/index.html.

Business Banking Customers
Evaluate your online banking risks and related controls via: 

  • Internal/external control assessment
  • Firewall intrusion testing
  • Safeguarding of passwords/password-protected software
  • Prompt deletion of system access for former employees
  • Dual control access
  • Employee background checks/credit bureau report review

To learn more about safe online banking, visit:

  • www.consumerfinance.gov
  • www.ftc.gov
  • www.usa.gov
  • www.idtheft.gov

MOBILE BANKING

  • Make sure that your telephone app is downloaded from a reputable source.
  • If your phone is lost or stolen, notify Community First as soon as possible.

 

REPORTING LOST OR STOLEN CREDIT OR DEBIT CARDS
  • If your credit cards are stolen, file a report with the police, and cancel the cards immediately.
  • Report missing cards to one of the three major credit reporting agencies, and file a fraud alert in your credit report:

Equifax (800) 525-6285
Experian (888) 397-3742
TransUnion (800) 680-7289

  • Report the loss to Community First, and consider opening new accounts and/or stopping payments on any outstanding transactions.

Credit Cards (800) 325-3678
Debit Cards (800) 500-1044

  • Contact Community First, and we will notify our check verification service. One of the companies that accept reports of check fraud directly from consumers is.

TeleCheck (800) 710-9898

  • Get a new card (debit and/or credit) with a new number and password.
PREVENTING IDENTITY THEFT
  • Pay attention to your statements.
  • Do not give out personal information over the phone or through the mail or email unless you have initiated the contact.
  • Safeguard or destroy (shred) personal information.
  • When you make up your Personal Identification Number (PIN), do not use something a thief might guess (birth date, Social Security number, phone number, etc.).
  • Order and review your credit report every year.
  • Shop online only with trusted companies.
  • Do not click on emails from unknown senders.

RECOGNIZING FRAUD

If you can answer YES to any of the following questions you may be the victim of fraud or identity theft.
  • Have you been asked to wire funds to any other foreign country?
  • Have you been asked to pay “upfront” money to receive a greater sum of money at a later date?
  • Have you been informed via email or telephone that you were the winner in a lottery from a foreign country?
  • Have you been offered to pay or commission to facilitate the transfer of money?
  • If you recently sold an item over the Internet, is the amount of the check you received more than the selling price of the item? Were you asked to refund the difference? Is the check drawn on an individual or business different from the person buying your item or product?
  • Have you been invited to participate in a “once in a lifetime” investment opportunity requiring a good-faith down payment?
  • Have you received text messages to your cell phone appearing to be from your bank to solicit personal information related to reactivating your ATM card?
  • Have you used your PIN at an ATM that has a suspicious device attached or appears otherwise modified or less than genuine?

REPORTING FRAUD

To report any Suspicious Account Activity or Security Events, contact Community First at:

Community First Bank
Attn: Deposit Operations
PO Box 1097
Walhalla, SC 29691
(864) 364-6130
callcenter@c1stbank.com

To learn about online fraud, go to
www.fraudwatchinternational.com

 

OTHER INFORMATION
For consumer mortgage loan information requests or reporting suspected errors, please write:

Community First Bank
Attn: Loan Administration
PO Box 1097
Walhalla, SC 29691

For Community Reinvestment Act (CRA) comments, please write:
Community First Bank
Attn: CRA Officer
PO Box 1097
Walhalla, SC 29691

 

REGULATION E – CONSUMER ACCOUNTS ONLY

The Consumer Financial Protection Bureau is the governing agency that regulates electronic fund transfers under Regulation E. This regulation provides certain consumer protections for your demand accounts as long as you report any unauthorized activity in accordance to the following guidelines:

  • You will have $50 liability for unauthorized transfers reported within two (2) business days of learning of the loss or theft of an access device.
  • Notification after two (2) business days increases your maximum amount of liability to $500 U.S.
  • If you do not tell us within 60 days after the account statement was sent or made available, you could be liable for the full amount of any amount you lost after the 60 days.
Categories
Manual

Loop Builder

LEADERSHIP

OUR LEADERSHIP TEAM IS DRIVING THE FUTURE

President Harry S. Truman said, “Progress occurs when courageous, skillful leaders seize the opportunity to change things for the better.” The Executive Management Team and Board of Directors at Community First Bank epitomize this mantra through their leadership.

EXECUTIVE MANAGEMENT

Richard D. Burleson, Jr.

CHIEF OFFICERS
COMMUNITY FIRST BANK

Stuart L. Hester

Amanda Brackens

Jennifer M. Champagne

Trisha Warwick

Alisa Suddeth

BOARD OF DIRECTORS
COMMUNITY FIRST BANK

William M. Brown

Gary V. Thrift

Dr. Larry S. Bowman

Richard D. Burleson, Jr.

R. Joseph Jackson, MAI, CCIM

Michael Fletcher

John R. Hamrick

Charles L. Winchester

Amber B. Glidewell, Esq.

“THROUGH OUR PERSONAL RELATIONSHIPS WITH COMMUNITY FIRST THEY HAVE BEEN VERY HELPFUL IN US GROWING OUR BUSINESS.”

-ERIC MCCOLLUM, OWNER, DEEP SOUTH DEFENSE

Categories
Manual

DD109-Rate

Truth In Savings Disclosure

MINIMUM BALANCE REQUIREMENTS. You must deposit $100.00 to open this account.

TRANSACTION LIMITATIONS. No transaction limitations apply to this account.

FEES AND CHARGES. Please refer to the separate Fee Schedule provided to you with this disclosure for information about fees and charges associated with this account. A Fee Schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request.

MONTHLY SERVICE CHARGES:

A Maintenance Fee of $8.00 and a Paper Statement Fee of $5.00 will be imposed every monthly statement cycle.

TO AVOID PAPER STATEMENT FEE:

Monthly Paper Statement Fee can be avoided by enrolling in Electronic Statements (e-Statement).

Categories
Manual

DD110-Rate

Truth In Savings Disclosure

RATE INFORMATION. The interest rate listed in each tier will be paid on the entire balance in your account.

Tier

Daily Balance Range

Interest Rate

Annual Percentage Yield (APY)

1

Below $2,500.00

0.050%

0.05%

2

Equal to or greater than $2,500.00

0.100%

0.10%

Your interest rate and annual percentage yield may change.

Determination of Rate. At our discretion, we may change the interest rate on your account. Frequency of Rate Changes. We may change the interest rate on your account at any time. Limitations on Rate Changes. There are no maximum or minimum interest rate limits for this account.

COMPOUNDING AND CREDITING. Interest will be compounded daily and will be credited to the account monthly. Ifyou close your account before interest is credited, you will receive the accrued interest.

MINIMUM BALANCE REQUIREMENTS. You must deposit $100.00 to open this account. A Maintenance Fee of $12.00 will be imposed every statement cycle ifthe daily balance on any day ofthe statement cycle falls below $2,500.00.

Or this fee can be avoided with a minimum balance of$10,000.00 in combined relationship deposits.

You must maintain a minimum daily balance of $0.01 in the account each day to obtain the disclosed annual percentage yield.

BALANCE COMPUTATION METHOD. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day.

ACCRUAL ON NONCASH DEPOSITSInterest begins to accrue on the business day you deposit noncash items (for example, checks).

TRANSACTION LIMITATIONS. No transaction limitations apply to this account.

CURRENT RATE INFORMATION. The rate(s) and annual percentage yield(s) disclosed above were offered within the most recent seven calendar days, and were accurate as of 02/l 7/2023. To obtain the current rate(s) and annual percentage yield information, please call (864)364-6130.

FEES AND CHARGES. Please refer to the separate Fee Schedule provided to you with this disclosure for information about fees and charges associated with this account. A Fee Schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request.

MONTHLY PAPER STATEMENT FEE:

Paper Statement Fee of $5.00 will be imposed every monthly statement cycle; Paper Statement Fee can be avoided by enrolling in Electronic Statements (e-Statement).

Categories
Manual

DD108-Rate

Truth In Savings Disclosure

MINIMUM BALANCE REQUIREMENTS. You must deposit $100.00 to open this account.

TRANSACTION LIMITATIONS. No transaction limitations apply to this account.

FEES AND CHARGES. Please refer to the separate Fee Schedule provided to you with this disclosure for information about fees and charges associated with this account.  A Fee Schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request.

MONTHLY SERVICE CHARGE

A Maintenance Fee of $9.00 will be imposed every monthly statement cycle.

TO AVOID MONTHLY SERVICE CHARGE

Maintain a daily account balance at or above $100.00 during the monthly cycle and enrolled in Electronic Statements (e-Statements).

Categories
Manual

Financial Calculator

Resources

MAKE INFORMED DECISIONS WITH SMART FINANCIAL CALCULATORS

We want you to make the best possible choices for your financial future. From figuring out how much mortgage your can afford to mapping out retirement savings, you’ll find the tools you need to get you there.

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