Personal Checking and Savings

We offer a deposit product to meet your needs.

Switch your accounts to Columbia Bank anytime from anywhere!  If you would like more information, stop by one of our convenient locations. 

Columbia e-Access

If you are looking for an account with no monthly net service charge and no minimum balance required, Columbia e-Access is the account for you!

  • No monthly net service charge
  • Minimum opening balance $25
  • No minimum balance required
  • Online Banking, includes Mobile Banking, e-Alerts and Mobile deposit (for qualified accounts)
  • MasterCard debit card
  • eStatement required
  • Limited check writing - $0.25 per check
  • Combined statements available

Columbia Interest Checking

Earn interest on your hard earned money and still write checks!! The Columbia Interest Checking account allows you to do both with the convenience of many complimentary features and benefits!

Contact us at (386) 754-8888 for more information.

  • Monthly net service charge is $8 with eStatements or $0 if you maintain an Average Balance of $1,000
  • Minimum opening balance: $100
  • Earns Interest
  • MasterCard debit rewards program
  • Online Banking, includes (Mobile Banking, e-Alerts, Bill Pay, and Mobile Deposit)
  • Unlimited check writing
  • Notary service - no charge
  • Combined statements available
  • ATM fee refunds: If you need to use an ATM outside of Columbia County, Alachua County, or Marion County, we will refund the other banks' fee. (Limit is two non-Columbia Bank ATM fees per month. Must present receipts for refund.)

Columbia Premier Checking

Our most popular account! The Columbia Premier Checking Account features excellent benefits for those with high transaction volume.

*Minors may have an account with no service charges from ages 16 through 21. Parent or guardian must be listed on the account.

For more information, please contact us at (386) 754-8888.

  • Monthly net service charge is $5 with eStatements or $0 if you maintain an Average Balance of $500.
  • Minimum opening balance - $50.00
  • MasterCard debit card reward program
  • Unlimited check writing
  • Online Banking, includes Mobile Banking, e-Alerts, Bill Pay and Mobile Deposit
  • Notary service - no charge
  • Combined statements available
  • ATM fee refunds: If you need to use an ATM outside of Columbia County, we will refund the other bank's fee. (Limited to two non-Columbia Bank ATM fees per month. Must present receipts to a Personal Banker for refund.)

Columbia Money Market Savings

Only write a few checks a month and want to earn higher interest? Our Columbia Money Market Savings Account is for you! This account features an array of complimentary checking services as well as a great interest rate.

For current interest rates and more information, please contact us at (386) 754-8888.

  • Monthly net service charge of $10 with eStatements or $0 if you maintain an Average Balance of $2,500.
  • Minimum opening deposit: $100.00
  • Earns interest
  • MasterCard debit card (optional)
  • Online Banking, includes Mobile Banking, e-Alerts and Mobile deposit.
  • Combined statements available
  • Limited check writing *

Columbia Heritage Club

Columbia Heritage Club, for those at least 50 years young, provides an account that includes an array of complimentary checking services with convenient access channels. Joining is easy!

Please contact one of our friendly Personal Bankers at (386) 754-8888 for more information!

  • Monthly net service charge is $10 with eStatements or $0 if you maintain a minimum balance of $1,500
  • Minimum Opening Balance: $100
  • Cashier's checks- no charge
  • 10 copies per month- no charge
  • 5 local faxes per month- no charge
  • 1 box of basic checks per year- no charge
  • Earns interest
  • MasterCard debit card reward program
  • Online Banking includes: Mobile banking, e-Alerts, Bill pay, and Mobile deposit
  • Notary service- no charge
  • Combined statements available
  • Unlimited check writing
  • 20% discount on safe deposit box rental
  • Luncheons and Social events

Columbia Savings

A great way to save for the future or just a rainy day! Columbia Bank’s Savings Account offers a wide range of benefits to help you meet your financial goals.

For current rates or additional information, please call us at (386) 754-8888.

  • Monthly service charge is $4 with eStatements or $0 if you maintain an Average Balance of $200
  • Minimum opening balance: $10.00
  • Earns Interest
  • Online Banking includes: Mobile banking, e-alerts, and Mobile deposits
  • Combined statement available
  • Limited transactions*

Columbia Club

Columbia Bank is proud to offer two different club accounts for your saving needs! We offer a Vacation and/or Holiday club; the choice is yours. Pick one or both.

  • Minimum opening balance $5
  • Earns Interest
  • Online Banking, includes Mobile Banking, e-Alerts and Mobile deposit (for qualified accounts)
  • Combined statements available
  • Limited transactions two (2) withdrawals allowed annually in addition to the annual disbursement
  • Balance will be transferred to the Columbia Bank account of your choice, in April for the Vacation club and/or November for the Holiday Club, each year.

*Federal law limits six (6) transfers or payments (preauthorized, automatic, by telephone, or from a personal computer) including drafts, checks, debit card, or similar order (including POS transactions) payable to a third party, from your money market account per statement cycle. Limit does not apply to in-person withdrawals or withdrawals at an ATM. Exceeding the limit on transfers, payments or withdrawals on more than an occasional basis may result in the money market account being converted to a transaction account.