Money Market / Savings

• $100 minimum opening deposit 
• No monthly service charge 
• Collected balances of $2,500 and less will earn interest at the rate of statement savings 
• Collected balances of more than $2,500 will earn the current bank market rate established by Community Bank of Smith County for money market investment accounts 
• Interest accrues on collected balances daily, and is paid monthly 
• Unlimited ATM and in-person withdraws 
• Monthly statements 
• Telephone and preauthorized transfers are limited to six (6) per month, no more than three (3) of which may be third party checks. After three (3) checks have been written there will be a $1.00 charge per check.

Community Plus

• $100 minimum opening deposit 
• No monthly service charge 
• Tiered interest rate according to balance 
• Interest accrues daily on collected balance and is paid monthly 
• Unlimited ATM and in-person withdraws
• Statements are issued monthly 
• Call 735-3990 for current rates 
• A $10.00 service charge will incur when average monthly balance falls below $10,000.00
• Telephone and preauthorized transfers are limited to six (6) per month, no more than three (3) of which may be third party checks. After three (3) checks have been written there will be a $1.00 charge per check.

Certificate of Deposit

Certificates are offered with up to thirty six (36) months maturity, Minimum opening amount is $500.00, Penalty for early withdrawals is one thirty (30) days interest penalty on certificates of one year or less and ninety (90) days interest on certificates with maturity dates over one year. 
Call 735-3990 for current rates 

Children's Savings Account
This account can be opened for any child up to age 12 
Prizes are awarded as the account reaches certain balances.
Call 735-3990 for current rates 

Christmas Club
Christmas Club accounts can be opened at any time 
The initial deposit cannot exceed $500.00
Minimum opening deposit is $5.00
No more than $500.00 can be deposited into an account per month 
Withdrawal limitations:

• After 2 withdrawals, $10.00/withdrawal penalty per withdrawal

Call 735-3990 for current rates

Vacation Club

• Account may be open any time during year, and remains open year to year
• Deposits:
  • Minimum opening deposit is $5.00
  • Minimum opening deposit may not exceed $500.00
  • Subsequent deposits may not exceed $500.00 per month
  • Subsequent deposits may be made any time
  • Deposits may be automatically transferred from another CBSC account
  • Special Vacation Club deposit slips provided at account opening
• No monthly service fee
• Interest:
  • Interest accrues daily, paid annually

• Withdrawal limitations:
  • 2 withdrawals are allowed per year
  • After 2 withdrawals, $10.00/withdrawal penalty per withdrawal
• Checks are mailed early in May