Personal – Managing your account

Keeping track of your money is not always easy. Carroll Community Bank can help. Here you’ll find helpful hints on how to manage your account and information on how overdrafts can occur.

You now have an important decision to make.

You can now decide whether you want us to authorize and pay your ATM withdrawals and everyday purchases made using your debit card when you do not have enough money in your account, or if you prefer to have these transactions declined.

An overdraft occurs when you do not have enough money in your account to cover transactions, but we authorize and pay the transaction at our discretion.


Let us know whether you would like to allow us to authorize and pay your ATM and everyday debit card transactions on your CCB checking account by contacting customer service at or 1.866.293.1968.  You can also stop in any one of our branch locations.

CCB’s Overdraft Standard Practices:

  • Standard overdraft service – we will cover your transaction for a fee each time you overdraw you account either by check, other transactions made using your checking account number, automatic bill payments, ATM transactions and every day debit card transactions.For example, if you make a purchase with your debit card for $150.00 but only have $100.00 in your account, your account will be overdrawn by $50.00 and we will charge you a fee.  If you then make an ATM withdrawal for $50.00, your account will be overdrawn by $100.00 and you will be charged a fee.  In this example, if we charge $30.00 for overdraft services, you will pay a total of $60.00 in fees. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transactions.
  • Overdraft protection plans – we offer overdraft lines of credit and links to other deposit accounts to cover transactions when you overdraw your account.  These overdraft protection plans are less expensive than standard overdraft services.
Deposit Rates
(Annual Percentage Yield)
Personal Savings Accounts
Basic Savings.05
Power Savings.05 to .25
Kids Count Savings.05
Personal Money Markets
Classic Money Market**.05 to .40
Select Money Market.05 to .40
Personal Checking Accounts
Basic Checking.01
Advantage Checking.02
Signature Checking.02
Platinum Checking.05 to .20
Senior Checking.10
Premium Power Package Account.75
Certificate of Deposit / IRA CDs
6 Month CD.15
12 Month CD.25
15 Month CD.85
18 Month- Add On CD***.40
24 Month CD Penalty Free.75
30 Month CD.90
36 Month CD1.01
48 Month CD1.42
60 Month CD1.77
Statement IRA****.30