Personal Checking Accounts

Freedom Checking

$100 minimum deposit to open this account
$5.00 account closing fee (If closed within 90 days of opening)
No monthly maintenance fee
Unlimited check writing
First order of “Independence Checks” Free
No minimum balance required

Interest Checking

$100 minimum deposit to open this account
$6 monthly account maintenance fee
$5.00 account closing fee (If closed within 90 days of opening)
$0.20 fee for each debit transaction
No fees charged if account maintains a $1,000 minimum daily balance or a $1,500 average balance
Interest compounded daily, credited monthly and paid on the collected balance

Gold Checking

$100 minimum deposit to open this account
$5.00 account closing fee (If closed within 90 days of opening)
No monthly account maintenance fee
No minimum balance required to earn interest
Interest compounded daily, credited monthly and paid on the collected balance
Free supply of personalized checks (The Citizens Bank of Cochran basic, wallet style)

Disclaimer

**Disclaimer** Customers must be at least 18 years of age to open a checking account, unless account is co-owned by a parent or guardian. Debit cards are available for use upon approval.

Personal Savings Accounts

Money Market

$100 minimum deposit to open this account
$8 monthly account maintenance fee
$5.00 Account Closing Fee (If closed within 90 days of opening)
No maintenance fee charged if account maintains a $1,000 minimum daily balance or a $1,500 average balance
Six (6) debit transactions free per statement cycle ($2 per debit and/or check/draft item in excess, regardless of account balance). If an account continuously exceeds the debit transactions allowed, we are required by law to reclassify or close the account.
No minimum balance to earn interest
Interest compounded daily, credited monthly and paid on the collected balance.

Personal Savings

$100 minimum deposit to open this account
$3 monthly account maintenance fee
$5.00 Account Closing Fee (If closed within 90 days of opening)
No maintenance fee charged if account maintains a $100 minimum daily balance
Six (6) debit transactions free per month ($1 per debit item in excess, regardless of account balance)
Six (6) debit transactions per month. If an account continuously exceeds the debit transactions allowed, we are required by law to reclassify or close the account.
No minimum balance required to earn interest
Interest compounded daily, credited monthly and paid on the collected balance

Dollar and Cents Savings Club

$0 to open this account
$5.00 Account Closing Fee (If closed within 90 days of opening)
Custodial with parent or guardian
No monthly maintenance fee or minimum balance requirement
Six (6) debit transaction per month ($.50 per debit item in excess regardless of account balance)
Six (6) debit transactions per month. If an account continuously exceeds the debit transactions allowed, we are required by law to reclassify or close the account.
No minimum to earn interest
Interest compounded daily, credited monthly and paid on the collected balance
Converts to a personal savings at 18 years of age

Holiday Freedom Club

Christmas Club Savings Account
Minimum deposit requirement of $10.00
We use the daily ledger balance method to calculate the interest on the account. This method applies daily periodic rate to the principal in the account each day. No compounding occurs.
If you withdraw any of the principal before the maturity date, we will impose a penalty of $10.00 per withdrawal. If you close the account before interest is credited, you will not receive the accrued interest and you will be charged a $10.00 closing fee as well.
A preprinted coupon book will be issued to the account holder when the account is opened. Deposits may be made by using account coupon slips or by pre authorized automatic transfers from another account.
Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items. (For example, checks).
A Check will be issued from The Citizens Bank of Cochran payable to the account holder in the amount of the account balance, including interest, on the second Friday of November.

CDs and IRAs

Certificates of Deposit (CDs)

Do you want to earn the most interest with the least amount of risk? A Certificate of Deposit from The Citizens Bank of Cochran or The Community Bank of Dublin-Laurens County is for you.

Certificates of Deposit *

$1000 minimum deposit to open this account
A variety of maturity dates available
Earns a market rate of interest through maturity date
Maturity notice mailed 10 days prior to maturity date
Pre-renewal notice mailed 10 days prior to renewal date
Automatic certificate renewal available
Certificates can be used as collateral on loans
Interest may be reinvested, deposited to another account or paid out by check
Penalty for early withdrawal

Jumbo Certificates of Deposit *

$100,000 minimum deposit to open this account
A variety of maturity dates available
Earns a market rate of interest through maturity date
Maturity notice mailed 10 days prior to maturity date
Pre-renewal notice mailed 10 days prior to renewal date
Automatic certificate renewal available
Certificates can be used as collateral on loans
Interest may be reinvested, deposited to another account or paid out by check
Penalty for early withdrawal

* Certain restrictions apply, please call (478) 934-6277 to speak with a Customer Service Representative at The Citizens Bank of Cochran or (478) 272-9650 to speak with a Customer Service Representative at Community Bank of Dublin-Laurens County for full disclosure information. Please review penalties for early withdrawals under the Personal Banking tab, and under Account Disclosures.

Individual Retirement Accounts

TRADITIONAL IRA*

Any individual younger than age 70 ½ who has compensation is eligible to make a contribution.
A minor is eligible for an IRA, provided he/she has compensation. However, it is the policy of The Citizens Bank of Cochran for a minor to have legal guardian consent when opening an account.
$500 minumum to open this account

SPOUSAL CONTRIBUTIONS*

This IRA allows a married couple to take advantage of larger total IRA contributions when one spouse has little or no compensation.
The spouse with little or no income can make a contribution based on the couple’s joint compensation.
$500 minumum to open this account

ROTH IRA*

Unlike traditional IRAs, age has no bearing on an individual’s eligibility for a Roth IRA contribution.
Any individual with compensation (or whose spouse has compensation) in a tax year may contribute to a Roth IRA, provided his/her modified adjusted gross income does not exceed certain limits.
$500 minumum to open this account

* Certain restrictions apply, please call (478) 934-6277 to speak with a Customer Service Representative for full disclosure information

For a full list of Account Disclosures, Click Here

Visa & MasterMoney Debit/ATM Card

To Report Lost or Stolen Cards Call (800) 500-1044

View Your Account Online

Click Here

Online Visa Joint Application

Apply Now

Online Visa Application

Apply Now

MasterMoney Card

Say goodbye to those checks and hello to the MasterMoney Card!
Easy and convenient access to your checking account without using checks
Accepted anywhere Master Card is accepted
ATM access
Issued upon approval

ATMs

Convenient 24-hour access to your Citizens Bank of Cochran checking account and Community Bank of Dublin-Laurens County checking account with the Master Money Card.
Statement and balance information available
Cash advance from The Citizens Bank of Cochran and Community Bank of Dublin-Laurens County Visa or Master Card bankcard accounts
Transactions reported on monthly checking or bankcard account statement
Withdrawals made at ATMs are charged to your account under the per item fee schedule for your particular account
Access to The Citizens Bank of Cochran and The Community Bank of Dublin-Laurens County’s Atms

ATM Networks
Account accessibility through the following networks: Pulse, Master Card Maestro, SUM, NYCE.
Provides cash from the customer’s checking account with The Citizens Bank of Cochran Master Money Card or Community Bank of Dublin-Laurens County Master Money card.
Gives customers the ability to make balance inquiries.

For a complete list of ATMs in the Intercept network visit

Citizens Bank of Cochran

124 East Dykes Street
P.O. Box 427
Cochran, Ga. 31014
(478) 934-6277

Drive Thru & Office Hours:
Monday - Thursday : 8:30 a.m. - 5:00 p.m.

Friday : 8:30 a.m. - 5:30 p.m.

Community Bank of Dublin-Laurens County

605 Bellevue Avenue
Dublin, Ga. 31021
(478) 272-9650

Drive Thru & Office Hours:
Monday - Thursday : 8:30 a.m. - 5:00 p.m.

Friday : 8:30 a.m. - 5:30 p.m.

Electronic Banking

The Citizens Bank of Cochran and the Community Bank of Dublin-Laurens County offer convenient online & mobile services:

Online Banking
Mobile Banking
Text Banking
eStatements
Bill Pay

Telephone Banking: 1-866-619-1418
Contact us at
[email protected]

Mobile Privacy Policy

Terms of Use

USA Patriot Act

Privacy Policy

NOTICE: The Citizens Bank of Cochran and The Community Bank of Dublin-Laurens County are not responsible for and have no control over the subject matter, content, information or graphics of the websites that have links here.