Real Giving

It's a win-win with Real Giving Checking: make the most of your money while giving to the cause you care about! This free, high-interest checking account allows you to earn ATM withdrawal fee refunds and change lives every time you make a purchase using your VISA® Check Card!

  • Free checking that lets you give back
  • The Community Bank will donate 5¢ for every debit card purchase over $10*
  • Donations made to charity you select
    • Earn 3.01% APY* on balances up to $10,000.99
    • Earn 3.01% to 0.25% APY on balances over $10,001 depending on balance in account*
    • Earn 0.10% APY* if qualifications aren't met
  • Charities include Stand Up to Cancer, United Way of Muskingum, Perry and Morgan Counties, and American Humane
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
  • No monthly service fee
  • No minimum balance to earn rewards
  • Help local schools and non-profits with the free Community Pride option
  • Customize your VISA® Check Card with SliceOfLife
  • Free Online Banking with Bill Pay
  • Free Community Mobile Banking
  • Free e-Statements
  • Free VISA® Check Card
  • Unlimited check writing
  • First order of checks free
  • Bounce Protection Available
  • $100 minimum deposit to open

It's easy to earn your rewards!

It's so easy to qualify — you're probably already doing it! To earn your rewards, simply do the following activities and transactions in your Real Giving Checking account each Monthly Qualification Cycle:

  • Have at least 10 point-of-sale Check Card purchases post and settle.
  • Have 1 automatic payment, direct deposit, or bill pay transaction post and settle.
  • Receive and review FREE e-Statments.

And if you don't meet these qualifications, don't worry. Your account is still free. Plus, you'll still earn our base interest rate. And you can get right back to earning your full rewards the very next cycle that you qualify.

*Interest Rate and APY

  • Annual Percentage Yield (APY) accurate as of this date.
  • When the Real Giving Checking qualifications are not met, the interest rate on your account will be .10% and the annual percentage yield will be .10%.
  • When the Real Giving Checking qualifications are met, the interest rate on your account and corresponding annual percentage rate will be tiered. If your daily balance is less than $10,001.00, the interest rate paid on the entire balance will be 2.97% with an annual percentage yield of 3.01%. An interest rate of .25% will be paid on that portion of your daily balance that is $10,001.00 or greater. The annual percentage yield will range from .25% to 3.01% depending on the balance in the account. Fees may reduce earnings.
  • At our discretion, the interest rate and annual percentage yield on your account may change at any time.
  • Interest will be compounded on a daily basis. Interest will be credited to your account on the last day of the statement cycle. If you close your account before interest is credited, you will not receive the accrued interest. Interest begins to accrue on the business day you deposit non-cash items (for example checks).
  • We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.


  • To qualify for Real Giving interest rates and receive reimbursements on your ATM fee surcharges, you must perform the following during the monthly qualification cycle:
    • Have at least 10 point-of-sale Check Card purchases post and settle
    • Have at least 1 automatic payment (ACH), direct deposit or bill pay transaction post and settle
    • Receive and review FREE e-Statements
  • Be enrolled in Online Banking with Bill Pay and receive free e-Statements. Online Banking login required once every 90 days.
  • Enrollment in Online Banking with Bill Pay and in electronic statements (e-Statements) is required to meet certain qualifiers. Please contact us for details on how to enroll.
  • Please note that transactions MUST post to your account and settle during the monthly qualification cycle. They may not be in a pending state to qualify. Transactions may take one or more banking days from the date the transaction was made to post to and settle an account. ATM transactions do not qualify.

Monthly Qualification Cycle and Monthly Statement Cycle Explanation

  • "Monthly Qualification Cycle" means a period beginning one banking day prior to the first day of the current statement cycle through one banking day prior to the close of the current statement cycle. Your account will be automatically qualified on that one day prior to the first day of the current statement cycle. What this means for you is if you did not qualify for the higher preferred rate, you might notice a slightly higher than the base rate APY earned on your account due to the one day (the last day) being calculated with the higher preferred rate.

**ATM Fee Refunds

  • If you have met your qualifications for the month, we will reimburse you for domestic ATM fees up to $25.00 per monthly qualification cycle. ATM reimbursements will be credited to your account on the last day of your statement cycle.
  • ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per transaction. If you believe that you have not been reimbursed the correct amount, please contact The Community Bank Deposit Operations Department at (740) 454-1600. We must hear from you no later than 30 days after the statement cycle where the reimbursement was applicable. Corrective ATM reimbursements will be made at The Community Bank's discretion. Note: ATM withdrawals do not count as qualifying Check Card transactions for purposes of earning rewards within this account.

**Donation to Charitable Organization

  • For each Check Card point-of-sale transaction $10.00 or greater, $.05 will be donated to the chosen charity. These donations are potentially tax deductible, so please consult your tax professional. The charitable organization is responsible for providing donation receipts for tax reporting purposes if applicable.
  • Accountholder information is protected by The Community Bank's privacy policy. However, the following accountholder information will be provided to the charity: contributor/accountholder name, donation amount, mailing address and email address.
  • This information is provided to the charity as part of a legal process which enables The Community Bank to appropriately service your Real Giving checking account. The charity is prohibited from sharing accountholder information except when it may be required by state or federal law. The charity may provide information and communications to the accountholder. The charitable organization will provide accountholders an opportunity to opt-out of receiving emails from them.

Other Account Information

  • You must deposit $100.00 to open this account.
  • Available to personal accounts only.
  • Limit one account per Social Security Number (SSN).
  • Bounce Protection available.
  • No minimum balance required.
  • No monthly service charge.
  • Certain restrictions may apply. See a Community Bank Customer Service Representative to walk you through the details and fully explain the benefits of this account.