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In addition to our country-specific products and services, we also offer stateside–like banking services such as Online Banking, Checking Accounts, Debit Cards, Wires, and CDs to further support your financial management needs while living overseas. Click below for more details.

Enjoy the convenience of banking online from your computer or mobile device. It's free1, easy to use, and features to help prevent fraud and identity theft.

Online Banking

Bank online from your computer — it's free1, easy, and . Click here to enroll now!

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Pay Bills2

  • Make single and repeating Euro payments to a payee, such as a landlord, in any SEPA participating country, for a small fee
  • Pay local Euro bills for a small fee
  • Receive electronic bills from select U.S. Domestic payees
  • Send payments to almost any U.S. Domestic business or individual for free
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Transfer Funds

  • Make unlimited, free transfers between your linked Community Bank Checking and Savings Accounts, including your Sterling Account
  • Transfer funds to any U.S.-based financial institution capable of accepting ACH credit transactions, without a wire transfer fee
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View Important Account Information

  • Check balances for Checking and Savings Account, loans, and CDs
  • View real-time Checking and Savings accounts transaction activity
  • View checks and deposits that have cleared in the last 60 days3
  • View current and past 18 months of your most recent account statements4
  • Go 'paperless' for added security and a greener environment
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Receive Account Alerts

Our text message and e-mail Account Alerts notify you of important account changes and statuses such as low balances, posted transactions, and insufficient funds. While Account Alerts are free from Community Bank, you may incur data or text charges from your carrier.

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Manage your Financial Information

Manage your total financial management picture using Quicken® financial management software5. Simply download your account transactions directly to Quicken to organize transactions for tax purposes and personal financial reports.

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Online Customer Self-service

  • Update personal Online Banking information
  • Reorder checks
  • Order check or statement copies
  • Send a secure message to customer service
  • Manage finances and reconcile accounts with the Online Banking account register
  • Initiate a stop payment request on a check

Mobile Banking

The fast and easy way to pay stateside bills, make transfers, or simply check your balance when you're on the go.

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Convenient Banking Using an App or Browser

Using the app makes it easier than ever for iPhone, iPad, and Android users to access and manage accounts:

  • Check account balances and search recent transactions
  • Easily transfer funds between your Community Bank accounts, including your Sterling Accounts
  • Send funds from your Community Bank USD account to an external stateside account
  • Pay stateside bills and search for recent or scheduled payments
  • Review 30-day cash flow

Before accessing Mobile Banking on your mobile device, you must first enroll in Online Banking by clicking here.

To access Mobile Banking, download the Community Bank mobile banking app to your device using these simple steps:

Step 1: Visit the iTunes App Store or Google Play.

Step 2: Launch the app and log-in with your Online Banking username and password. When first signing in to Mobile Banking, you will be prompted to answer one of your pre-established security questions and accept the End User License Agreement.

Using a browser allows you to:

  • Find ATMs and view banking center locations and hours
  • View our currency exchange rates and use a conversion calculator
  • View our current loan rates and interest rates for Checking and Savings Accounts

To use the Community Bank website on your mobile device, go to DoDCommunityBank.com from your browser.

No Hidden Fees

Online Banking1

FREE

Each Local Euro Bill Payment

$1

Mobile Banking6

FREE

Enrollment Guide — Tablet (opens in new tab)

Enrollment Guide — Mobile phone (opens in new tab)

1 To access Online or Mobile Banking, you must first enroll in this service. View the Online and Mobile Banking terms and conditions for more information about both Online and Mobile Banking. Internet access is required. Wireless carrier fees may apply. Other account-related fees still apply.

2 Checking account is required.

3 The day after they have cleared.

4 Current and past account statements are available to all Online Banking customers. Simply login to your Online Banking account and click on the Manage Accounts tab at the top of the page and select Online Statements from the drop down list. You can also sign-up for our paperless option at the same location. You will be notified by e-mail when your statement is available for download or viewing.

5 You must purchase Quicken to use this service.

6 Internet access is required. Other account-related fees still apply.

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Enhanced Security

Community Bank uses industry-standard security protocols that leverage encryption for transferring data. Encryption creates a secure environment for the information being transferred between your browser and Community Bank.

The 4 ways security protocols protect your data:

  • Authentication ensures that you are communicating with the correct server. This prevents another computer from impersonating Community Bank.
  • Encryption scrambles transferred data to prevent eavesdropping of sensitive information and to ensure that only the server you're sending the information to can read it.
  • Data integrity verifies that the information sent by you to Community Bank wasn't altered during the transfer. The system detects if data was added or deleted after you sent the message. If any tampering has occurred, the connection is dropped.
  • Challenge questions are used to help verify your identity when you sign in from an unrecognized computer or mobile device. You selected challenge questions and answers when you enrolled in Online Banking. You can change them at any time by going to Service Center> Services.

To enroll now: Click here to go to Online Banking.

Your Sign-in Experience

Signing-in from your computer

Step 1: Enter your username

Step 2: Enter your passcode

Signing-in from a computer we don't recognize

Step 1: Enter your username

Step 2: Correctly answer one of your challenge questions

Step 3: Confirm by entering your passcode

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E-mail and Online Fraud

Phony e-mail messages sent to you for the purpose of stealing personal and financial information, called "phishing and spoofing" are among the most common types of e-mail fraud. Disguised as legitimate e-mail and claiming to be from sources you trust, these messages attempt to entice you to provide various types of personal and confidential information. We will never ask you for personal data such as your SSN, ATM/Debit Card number, or PIN. To report suspicious e-mails that use the Community Bank or Bank of America name, please forward the e-mail as an attachment to abuse@bankofamerica.com.

recognize email fraud

Recognize e-mail Fraud

Spotting phony e-mail messages is not always easy, and the criminals who use them are becoming more sophisticated about creating them. Phony e-mail messages may ask you to reply directly or click on a link that takes you to a fraudulent website that appears legitimate. In either case, they will generally ask you to provide sensitive personal, financial, or account information.

Tips for spotting phony e-mails

  • Links that appear to be Community Bank or Bank of America links but aren't - If you place your cursor over a link in a suspicious e-mail, your e-mail program likely shows you the destination URL. Do not click the link, but look closely at the URL. A URL that is formatted dodcommunitybank.fakewebsite.com or bankofamerica.fakewebsite.com is taking you to a location on fakewebsite.com. Just because "communitybank" or "bankofamerica" is part of the URL does not guarantee that the site is an official Community Bank or Bank of America site.
  • Urgent Appeals - We will never claim your account may be closed if you fail to confirm, verify, or authenticate your personal information via e-mail.
  • Requests for personal information - Community Bank will never ask you to reply in an e-mail with any personal information such as your SSN, ATM, or PIN.
  • Messages about system and security updates - We will never claim the need to confirm important information via e-mail due to system upgrades.
  • Offers that sound too good to be true - We will never ask you to fill out a customer service survey in exchange for money, then ask you to provide your account number so you can receive the money.
  • Typos and errors - These are often the mark of fraudulent e-mails and websites. Be on the lookout for typos or grammatical errors, awkward writing, and poor visual design.
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Protect Against E-mail or Online Fraud

  • Make sure the security features of your computer software, including your web browser, are up-to-date. Software companies continuously provide security updates to their products. Learn more about keeping your computer security current at http://www.microsoft.com/security/protect/ or visit the National Cyber Security Alliance at http://www.staysafeonline.org.
  • Keep in mind that forging e-mails and creating fraudulent websites is not difficult.
  • Confirm requests for personal or account information, including updates or verifications, by going to the company website directly. Open a new browser window, type the web address and check to see if you must actually perform any activity that an e-mail may be asking you to do, such as change a password.
  • Do not share your usernames or passwords with anyone. Choose passwords that are difficult for others to guess and use a different password for each of your online accounts. Use combinations of upper and lowercase letters, numbers, and special characters such as @, %, &, and #. Change your password often.
  • If you think you provided personal or account information in response to a fraudulent e-mail or website, report the fraud immediately, change your passwords, and monitor your account activity frequently.
  • Always sign-off websites or secure areas of websites for which you use a username and password to enter, such as Online Banking.
  • When your computer is not in use, shut it down or disconnect it from the Internet.
  • Be selective about providing your e-mail address to a questionable website. Sharing your e-mail address makes you more likely to receive fraudulent e-mails.
  • Review your monthly credit card and bank account statements thoroughly. Investigate suspicious items immediately to prevent possible fraud before it occurs.
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Protect Against Online Viruses

In addition to protecting yourself against e-mail and online fraud, be aware of dangerous online viruses that may damage or compromise the security of your computer.

  • Anti-virus protection - If your computer becomes infected with a virus, you might lose information and incur repair expenses. Make sure your computer has an anti-virus protection program installed, preferably one with automatic updates. If you don't have this automatic feature, be sure to update your virus detection program weekly and when you hear of a new virus.
  • Avoid downloads from unknown sources - Downloads from unfamiliar sources may contain hidden programs or viruses that can compromise your computer's security.
  • Attachments - Don't open e-mail attachments unless you are certain that you can trust the source. Learn how to manually screen e-mail attachments if your anti-virus software doesn't automatically screen for viruses.
  • Contact your ISP - Your Internet Service Provider (ISP) may have additional recommendations and technical support for protecting yourself against online viruses, e-mail fraud, and spam. Contact your ISP for recommendations specific to your computer and network.
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Report Fraud

  • If you suspect that someone has gained access to important personal information such as your Community Bank account number or Social Security number, and may use that information for illegal purposes or to withdraw money from your account, immediately call the phone number on your account statement or contact your nearest banking center. The Federal Trade Commission (FTC) provides useful information and resources to help you protect yourself against identity theft, including an ID Theft Affidavit for disputing accounts opened in your name without your authorization. Visit the FTC ID Theft Web Site to learn more.
  • If you suspect you might be a victim of identity theft, contact any of the three major credit bureaus to place a fraud alert on your credit file. The alert requests creditors to contact you before opening any new accounts. As soon as one credit bureau confirms your fraud alert, the other two credit bureaus will be automatically notified and all three credit reports will be sent to you free of charge.
  • Close other accounts you know or believe have been tampered with or fraudulently opened. Use the ID Theft Affidavit when disputing unauthorized accounts.
  • File a police report. Get a copy of the report to submit a copy of the report to your creditors and others that may require proof of the crime.
  • File a complaint with the Federal Trade Commission (FTC). The FTC maintains a database of identity theft cases used by law enforcement agencies for investigations.
  • Report your lost or stolen ATM card or Debit Card immediately by calling 1-800-239-9427 and select Option 6 from the Main Menu and Option 1 from the sub-menu. Your call will be transferred to our Lost and Stolen Department.
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  • Make unlimited, free transfers between your linked Community Bank and , including your Sterling Account
  • Transfer funds to any U.S.-based financial institution capable of accepting ACH credit transactions, without a wire transfer fee

Access your accounts 24/7 from almost anywhere! Click here for customer service phone numbers.

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Verify Recent Transactions

  • ATM withdrawals by date and amount
  • Deposits and withdrawals
  • Find out if specific checks have cleared
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Check Account Balances

  • Checking, savings, CDs, and loans
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Transfer Funds Between Dollar Accounts

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Get Important Information

  • Loan date of next payment
  • Currency exchange rates
  • Current Certificate of Deposit information
  • Check interest rates
  • Change your Interactive Banking PIN (Personal Identification Number)
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Additional Services Through Customer Service:

  • Make payments and pay off Community Bank Loans and Lines of Credit
  • Address changes
  • Online Banking password assistance
  • Report lost or stolen ATM cards and checks
  • Order a replacement ATM card and PIN
  • Place a stop payment
  • Reorder checks
  • Order photocopies

Avoid costly wire transfer fees by moving money to other U.S. Dollar accounts with free external transfers.

  • Schedule one-time or recurring transfers through to any U.S.-based financial institution capable of accepting ACH credit transactions at no cost
  • Transfer funds to existing payees directly through
  • Use your Community Bank account for your direct deposit, and fund a stateside account automatically

Transfers must be made in an amount less than $10,000. Transfers may only be made from U.S. Dollar accounts.

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ACH and Incoming Wires

Automated Clearing House (ACH)

You'll need the following information to make or receive ACH credits1 or debits2:

ACH Number: ACH-051005504

Customer Name

Customer Account Number

Customer Social Security Number

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Incoming Wires

You'll need the following information to receive an incoming wire transfer:

ABA / Routing Number: 114017714

Bank Name: Bank of America Military Bk Overseas

City/State: San Antonio, TX

Customer Name

Customer Account Number

1 Direct deposit of payroll, Social Security and other government benefits, and tax refunds.

2 Direct payment of consumer bills such as mortgages, loans, utility bills, and insurance premiums.

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Keep spending in check while making convenient purchases with our chip-enhanced Debit Card. Call or visit your local Community Bank to get yours today! Learn how embedded-chip technology provides added security to your account.

Debit Card Agreement (opens in new tab)

Convenient options for accessing your money.

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It's Easy to Get Started!

Start banking your way by opening a regular or interest bearing account at your local Community Bank today. Phone banking, free Community Bank checks, and monthly statements are all included. Open your Community Bank Checking Account by visiting your local banking center. Be sure to bring these things with you:

  • An unexpired government issued I.D. card bearing a photograph
  • Your Social Security Number
  • A minimum opening deposit of $100 is required only for an Interest Bearing Checking Account
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Regular Account

Choose Regular Checking when your average monthly balance will likely be under $500.

  • No minimum balance required
  • No monthly maintenance fee
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Interest Bearing Account

Choose Interest Bearing Checking to earn interest on your checking dollars.

  • Interest is accrued daily and compounded monthly
  • No monthly maintenance fee when $500 average monthly balance is maintained
  • Monthly maintenance fee of $6 if average monthly balance drops below $500
  • No interest accrual on days account balance is below $500
  • A minimum initial deposit of $100 is required to open your Interest Bearing Checking Account
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Online & Mobile Banking

Enjoy the convenience of banking online from your computer or mobile device. It's free1, easy to use, and features to help prevent fraud and identity theft. Select for enrollment information, or enroll by downloading our Mobile Banking app.

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Debit Card

Keep spending in check while making convenient purchases with our chip-enhanced Debit Card. Call or visit your local Community Bank to get yours today! Learn how embedded-chip technology provides added security to your account.

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ATM

  • Nearly 300 ATM locations make it convenient — Community Bank makes it free2!
  • Access U.S. dollars and foreign local currency whenever you need it!
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Local & Automatic Bill Pay

Paying rent, utilities, and other bills in host nation currency is a normal part of living on the local economy. Take the guesswork out of paying monthly bills with local currency payments3 on a one-time or automatic basis. The service is free, and a friendly Community Bank associate will walk you through the process until you are comfortable handling it on your own.

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Overdraft Protection

When life gets hectic and you accidentally overspend, we've got you covered with Overdraft Protection. The term "Overdraw" refers to the state of spending more money than your Checking Account contains. "Overdraft Protection" is the service that covers your overspending and helps prevent associated fees. Community Bank offers two solutions to help cover unexpected expenses and provide the protection you need.

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Savings Overdraft Protection Plan

Protect yourself from the cost and inconvenience of returned checks or overdraft charges. Use your Community Bank Savings Account balance to provide overdraft protection for your Community Bank Checking Account. Once set up, if you overdraw your Checking Account, we will automatically transfer the amount you need from your Savings to your Checking Account.4 Our Savings Overdraft Protection Plan features:

  • Automatic funds transfer from savings to checking
  • No service charge for the transfer
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Line of Credit

A Community Bank Line of Credit5 (LOC) provides a convenient and flexible way to cover emergency expenses, protect yourself from overdrafts, and quickly make purchases — while only paying interest on the amount actually used. Access the funds directly without affecting your Checking Account balance by visiting your local Community Bank and requesting a Line of Credit advance.

  • Borrow, repay, and borrow again to meet immediate needs
  • Linked to your Checking Account
  • Provides overdraft protection when needed
  • No annual fee
  • Interest rate is comparable to most credit cards
  • Limits available starting at $1,000

No Hidden Fees

Regular Checking

FREE

ATM transactions at all Community Bank ATMs2

FREE

Account closed within 90 days of opening

$10

Monthly fees on interest bearing accounts under $500

$6

1 To access Online or Mobile Banking, you must first enroll in this service. View the Online and Mobile Banking terms and conditions for more information about both Online and Mobile Banking. Internet access is required. Wireless carrier fees may apply. Other account-related fees still apply.

2 Certain transactions may not be available at some Community Bank ATMs. Check with your local banking center for details. Community Bank does not charge a fee for any service provided at a Community Bank ATM for Community Bank card holders or cards from another financial institution.

3 Not available at all locations.

4 Not all transactions types are covered by Savings Overdraft Protection. You are limited to six withdrawal transactions from your savings account each monthly statement cycle. If you exceed the transaction limit on more than an occasional basis, we may restrict or revoke transaction privileges on the account and an Excess Activity Fee may be applied.

5 Line of Credit Loans are not available online — visit your local banking center to apply.

View the Deposit Agreement and Disclosures Document (opens in new tab)

View the Schedule of Fees Document (opens in new tab)

The easy way to fund your goals.

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Automatic Saving

Putting your savings plan on autopilot is both easy and effective. This systematic form of saving transfers a preset amount from your Checking Account each month directly into one or more of your Savings Accounts. So what you don't see, you won't spend! Best of all, you'll be pleasantly surprised when you look at the growth you've accumulated in even a few short months.

Automatic Account Transfers

Schedule recurring transfers from your Community Bank Checking Account to Savings Account through Online Banking.

Set up automatic transfers from your Community Bank checking to savings and watch how fast your money grows. You may schedule one-time or recurring transfers by visiting your local banking center or through — either way it's free.

Transfers from a savings to a Sterling Checking Account are not available.

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Online & Mobile Banking

Enjoy the convenience of banking online from your computer or mobile device 24/7. It's free1, secure, easy to use, and features to help prevent fraud and identity theft. Select for enrollment information, and to download our mobile banking app.

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How much is enough?

Our easy to use Savings Calculator can help you determine the right amount to set aside each month to help you reach your goals.

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Savings Account

Whatever goal you're saving for, our savings account offers:

  • No monthly maintenance fee
  • A competitive interest rate; interest compounded and credited monthly
  • ATM Banking2
  • Quarterly statements (Monthly statements if an Electronic Funds Transfer is conducted on the account, i.e. ATM withdrawal)

No Hidden Fees

Savings account minimum to open

$0

Certificate of deposit minimum to open

$1000

Savings account closed within 90 days of opening

$10

Penalty for the early withdrawal of funds from a CD?

YES

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Start Saving Today!

Start funding your goals by visiting your local Community Bank to open a Savings or . Bring the following items with you when you visit your local Community Bank to open your Savings or :

  • An un-expired government-issued ID card bearing a photograph
  • Social Security Number
  • For CD Accounts only, bring a minimum opening deposit of $1,000
  • For Saving Accounts, a minimum opening deposit is not required

1 To access Online or Mobile Banking, you must first enroll in this service. View the Online and Mobile Banking terms and conditions for more information about both Online and Mobile Banking. Internet access is required. Wireless carrier fees may apply. Other account-related fees still apply.

2 Not all Community Bank ATMs accept deposits.

View the Deposit Agreement and Disclosures Document (opens in new tab)

View the Schedule of Fees Document (opens in new tab)

It's your money, so why pay to access it? Accountholders and non-accountholders enjoy free 24-hour access at nearly 300 Community Bank ATMs.1

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Convenient ATM Dual Currency Access

  • Free, 24-hour access to your money in dual currency1
  • Nearly 300 ATM locations dispense U.S. Dollar and foreign local currency
  • Deposit U.S. Dollars or local currency into your or 2
  • Access U.S. Dollars and foreign local currency whenever you need it
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24-hour Access to Your Money2

  • Withdraw and deposit U.S. Dollars or local currency
  • Transfer money between linked ATM Card accounts
  • Verify Checking and Savings Account balances

ATM Banking is Private, Fast, and Easy

  • Use your Community Bank ATM card to access your account through thousands of AFFN® or PLUS® network locations around the world
  • You may also use your Community Bank ATM card at select point-of-sale terminals

No Hidden Fees

ATM Services at Community Bank ATMs1

FREE

Cash Withdrawal

(Non-Community Bank ATMs)

$1.50

Balance Inquiry

(Non-Community Bank ATMs)

$1

Transfers

(Non-Community Bank ATMs)

$1

All Other Transactions

(Non-Community Bank ATMs)

$1

1 Community Bank does not charge a fee for any service provided at a Community Bank ATM for Community Bank card holders or cards from another financial institution.

2 Certain transactions may not be available at some Community Bank ATMs. Check with your local banking center for details.

Community Bank Certificates of Deposit pay a higher interest rate than a savings account, and you can choose from a variety of terms and annual percentage yields. For your convenience, your CD will renew automatically (including interest paid) at the end of the term, unless you withdraw the funds at that time.

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All of our Certificates of Deposit:

  • Offer a fixed interest rate
  • Have interest paid at maturity
  • May be used as collateral for a loan (subject to credit approval)
  • May be retained even after a permanent change of station
  • Require a minimum deposit of only $1,000
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Certificate of Deposit (CD) Calculator

Click here to estimate what a CD would be worth