Checking Accounts

Max Rewards*

Our best checking account for only $7.00 a month! If you use your debit card, the service charge could be reduced to $0!!**

Unlimited Checking

• With your Checking, there are no minimum balance requirements or per-check charges.

Checks

• Receive your personally imprinted checks at no additional cost (one style, one box per order). Estimated annual value of $16.

Debit/ATM Card*

• There are never any charges when you use your Debit/ATM Card at any of the Your Community Bank ATM's. Plus, you don’t have to worry about carrying large amounts of cash. Just use your card instead of writing a check or paying cash, and the funds will come directly out of your checking account.
  

$5,000 Travel Accidental Death Insurance

• You’re protected with $5,000 Travel Accidental Death Insurance when you travel by automobile or licensed common carrier (scheduled airline, bus, taxi and train). Estimated annual value of $12.
  

Payment Card Protection

• If you ever lose a registered card, debit, or ATM card, simply call 1-877-CARD123, and all your card issuers will be notified for you. Estimated annual value of $15.
  

Personal Identity Protection

• Protect yourself with tips to prevent and resolve identity theft incidents. Should you become a victim, you are eligible for reimbursement for up to $1,000 in direct costs associated with recovering your identity. Estimated annual value of $15.
  

24-Hour Telephone Banking

• 24-Hour Telephone Banking 1-888-291-9415
  

New Safe Deposit Box

• Receive a 3 x 5 safe deposit box for one year (subject to availability). Estimated annual value of $35.
  

Official Checks

• Just stop by the bank, and we’ll provide these at no charge.
  

Check Images with Statement

• Enjoy the convenience of receiving images of your checks on your monthly statement.
  

Local and National Dining Savings

• Enjoy savings of up to 50% at hundreds of dining establishments ranging from upscale restaurants to casual family eateries, for catering, take-out and delivery. Estimated annual value of $100.
  

Local and Online Shopping Discounts

• Enjoy access to discounts at a variety of retailers locally and online. Take advantage of savings on clothing, electronics, jewelry, books and much more! Estimated annual value of $25.
  

Local Services Discounts

• Save up to 50% on professional services including dry cleaning, business services, photography, house cleaning, lawn care and home security. In addition, you’ll enjoy discounted rates on various automotive services such as engine repairs, oil changes, new tires, bodywork and more! Estimated annual value of $25.
  

Travel, Hotel, and Recreation Discounts

• Save up to 50% at over 15,000 hotels in popular destinations worldwide. Enjoy easy online access to discounts at properties such as Hilton, Sheraton, Residence Inn by Marriott, Holiday Inn and many more! Enjoy preferred rates at several of the nation’s largest condo resort rental companies and save 10-25% on car and RV rentals. Also, take advantage of discounts on golf and ski vacation packages, airfare, theme park admissions, sporting event tickets and many other exciting activities. Estimated annual value of $150.
  

Emergency Travel Assistance Service

• Travel with the peace of mind that help is as close as a phone call if you need emergency cash or assistance with lost/stolen luggage or travel documents. Estimated annual value of $15.
  

Total Potential Additional Value = $408!

All for one low monthly membership fee of only $7**!

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*A $1.50 fee will be charged for using a non YCB ATM other foreign ATM charges may apply.

*Some benefits are provided by third parties, such as AIG Domestic Accident & Health Division and Member Headquarters Association.

**No minimum balance required. $50 to open account. Limit of 2 debit cards per account. Monthly Service Fee of $7.00 per month which may be reduced with signature-based debit card activity rebate. Maximum rebate is $7.00 per month per account. Rebate will be credited at the end of each statement cycle as follows: one debit card - $0.25 per signature-based debit up to a maximum of 28 transactions (or $7.00); two debit cards - $0.25 per signature-based debit up to a maximum of 14 transactions (or $3.50)per card. Rebate amounts may be subject to IRS reporting.

e-Checking

Makes Checking Easy. This account provides the benefits you need at a great value. 

Account Highlight:

• No minimum balance, no monthly service charge, no minimum daily balance requirement!

Account Features:

• Mobile Banking
• e-Alerts
• e-Statements
• ATM/Debit card
• Online banking
• Bill Pay
• Money transfers*
• EZswitch kit
• 24-hour telephone banking
• Cashier’s checks available
• Direct deposit available
• Paper Statements available***
• Mobile Banking
• Text Banking

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*Money transfers from checking to savings.
***$3.25 per paper statement

Fifty Plus

This account is for customers who are 50 or greater! 

Account Features:

• 25% annual discount on safe deposit box
• e-Alerts
• 25% (up to $100) discount on consumer loan origination fee
• Up to $10 non-YCB ATM rebate per statement cycle
• Additional 5 basis point increase on any certificate of deposit
• Cashier's checks
• Up to 2 basic check orders per calendar year
• Paper statement and electronic statement
• Debit card
• Online banking
• Online bill payment
• Mobile banking
• Text banking

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²Daily minimum balance requirement is $100 or $5,000 average total relationship (any combination of DDA, Savings, and CDs), to avoid a $10 service charge.

New Opportunity Checking

Have you ever mishandled your checking account? New Opportunity Checking lets you rebuild your record and reestablish your financial credibility.

Account Highlight:

• No minimum balance requirement after initial deposit! Plus, enjoy great features of a traditional checking account!

Account Features:

• Mobile Banking
• e-Alerts
• e-Statements
• ATM/Debit card
• Online banking
• Bill Pay
• Money transfers*
• EZswitch kit
• Paper Statement available***
• 24-hour telephone banking
• Cashier’s checks available
• Direct deposit available

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*Money transfers from checking to savings.
***$3.25 per paper statement

Interest Checking

Our top of the line checking account offering great benefits and competitive interest.

Account Highlight:

• Pays competitive interest.

Account Features:

• Mobile Banking
• e-Alerts
• e-Statements
• ATM/Debit card
• Online banking
• Bill Pay
• Money transfers*
• EZswitch kit
• Paper Statement available***
• 24-hour telephone banking
• Cashier’s checks available
• Direct deposit available

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*Money transfers from checking to savings.
***$3.25 per paper statement

Health Savings****

A Health Savings Account is an easy way to put aside money for routine health expenses funded with pre-tax dollars. Having a high-deductible insurance plan may actually lower your health insurance premiums because it allows you to use a tax-advantage HSA. There are NO MONTHLY FEES and a FREE debit card is included allowing easy access to your funds. You decide how much to put into the account and use the money to pay medical expenses as you need it, including expenses your insurance may not cover. Please speak with a customer representative for more information.

Account Highlight:

• Works like checking account that functions like an IRA and pays competitive interest.

Account Features:

• Mobile Banking
• e-Alerts
• e-Statements
• ATM/Debit card
• Online banking
• Bill Pay
• Money transfers*
• EZswitch kit
• Paper Statement available***
• 24-hour telephone banking
• Cashier’s checks available
• Direct deposit available

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*Money transfers from checking to savings.
***$3.25 per paper statement
****Account subject to $25 setup fee.

Your Community Bank makes the Health Savings Account available as a custodian only. The Your Community Bank Health Savings Account is intended to qualify as a Health Savings Account as set forth in Internal Revenue Code Section 223. The account beneficiary that establishes the HSA is solely responsible for ensuring he/she satisfies the Health Savings Account eligibility requirements set forth in Section 223. If an individual/employee establishes a Health Savings Account and he/she is not otherwise eligible, he/she will be subject to adverse tax consequences. We recommend that HSA applicants and/or employers contacted qualified tax or legal counsel before establishing a Health Savings Account.

Money Market^*

Makes your money work for you. Pays high interest and the benefits you enjoy.

Account Features:

• Pays competitive interest (based on deposit amount)
• Consolidated monthly statements

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*Account parameters may vary for special Money Market offers.