Overview / Commentary
866-764-8638
45-49 Court Street
Canton, NY 13617

Community Bank, National Association is headquartered in Canton and is the 10th largest bank in the state of New York. It is also the 126th largest bank in the nation. It was established in 1866 and as of March of 2018, it had grown to 2,099 employees at 231 locations. Community Bank, National Association has an A+ health rating.

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Reviews (2)

Great bank, don't overlook!

Posted by: RylieV | Mar 5, 2015

When I first moved to a new city, Community Bank N.A. (then known as Liberty Bank) was the nearest to my apartment. I was surprised to find out that they also had a location in the middle of the shopping area I frequent most often, and a branch in my very small town, as well! The customer service representative was extremely helpful and sweet during the whole process, and wanted to see me get the most out of my account. Since then, every representative and teller has been equally great to talk to. They make all the processes rather simple and have never given me any run-around. On top of that, they offer totally free checking, which is fantastic for a low-budget full time student like me. When I moved to another town to transfer colleges, I was severely disappointed when I learned that they didn't have a location within an hour of the town, and tried several other banks, only to find them riddled with fees and nonsense that made me decide to just deal with the occasional long drive to deposit cash in return for the great services they offer. Once they rolled out mobile banking, this was no longer an issue, and I have never had a problem depositing checks or using their mobile app, although it's a bit rudimentary (they have made numerous upgrades to it recently). My only complaint about the bank is that the process to link mobile check deposit to my phone absolutely required showing up in person at a branch lobby to sign a form, when I needed to immediately make a deposit to pay a bill and my class times interfered with my ability to get there. However, it was still a very simple process. I have absolutely no desire to go elsewhere for banking. Don't overlook this small bank!

Savings and checking

Posted by: Aardfire | Dec 8, 2017

Community Bank, N.A. has been our bank for well over 30 years, but online since 2014 or so. The security is above average, I'd say, since we have had to change passwords on a regular basis; sometimes because we incorrectly enter it more than three times and were locked out; usually because, at certain intervals through the year, the bank requires a new password to protect the integrity of our accounts. When logged on, we are able to view all of our accounts as well as our dependent children's accounts and we have transferred money from savings to checking and vice versa. We check our account on a several times per week basis in order to protect our credit. We have had troubles with hackers using the debit card associated with the checking account and we are promptly made aware of the problem by being able to check our account. Overall, we are satisfied with Community Bank, N.A.



Health
A+

Health Grade Components

Overall
FDIC Certificate #6989
Year Established1866
Employees2099
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.37%
Return on Equity - YTD9.91%
Annual Interest Income$89.1MM
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$10.75B$8.67B
LoansQ1 2018vs Q1 2017$6.18B$4.89B
DepositsQ1 2018vs Q1 2017$8.90B$7.47B
Equity CapitalQ1 2018vs Q1 2017$1.46B$1.08B
Loan Loss AllowanceQ1 2018vs Q1 2017$48.5MM$47.5MM
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$29.3MM$21.9MM
Real Estate OwnedQ1 2018vs Q1 2017$1.9MM$2.5MM
Rates
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Always verify rates and promotions with the bank or credit union. We are not Community Bank, National Association; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Community Bank, National Association Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.07%$500-Premium Savings
0.05%--Free Savings

Community Bank, National Association Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$25k*-Prime Money Market
OTHER TIERS: 0.03% $2,500 - $25k

Community Bank, National Association Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%--Business Interest Checking
0.03%*$2.5k*-Premium Interest Checking
OTHER TIERS: 0.01% Up to $2,500
0.01%--50 and Better Interest Checking
0.01%--Direct Interest Checking

Community Bank, National Association CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.90%$1k-60 Month CD
0.40%$1k-2+ Year CD

Community Bank, National Association IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.90%$1k-60 Month IRA
0.40%$1k-2+ Year IRA
Locations

Availability



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