Earn interest on balances of $1,000 or more!
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 Dividend Checking gives you choices for easy and safe money management plus allows you to earn interest on your hard earned money. All Community Resource Checking accounts come with:
- Early access to your paycheck with Direct Deposit*
- Over 30 Shared Branch locations for access near your home or work
- Free access at more than 85,000 ATMs at locations including CVS, Speedway and Walgreens
- State-of-the-art mobile banking app with the ability to deposit checks with your camera
- Account to account transfers including to and from other financial institutions
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Compare our checking accounts to determine the best choice for you.
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| Free Checking | Dividend Checking | |
|---|---|---|
| Perfect for… | Those who manage accounts electronically, and love a bunch of free | Those who still prefer to write checks, and wish to earn dividends |
| Minimum to Open | $1.00 | $1,000 |
| Minimum Balance Requirement | No | $1,000 |
| Monthly Fee | No | Fee if monthly average daily balance falls below $1,000 |
| Earns Dividends | No | Yes Earns dividends on an monthly average daily balance of $1,000 or more (calculated daily and paid monthly) |
| Per Check Fee | No | No |
| Direct Deposit Available | Yes | Yes |
| Overdraft Protection Limit (Member Privilege) | $500 | $500 |
| Â Free ATM Access | Yes | Yes |
| Debit Card | Yes | Yes |
| Free Online & Mobile Banking | Yes | Yes |
| Free Checks | Yes | Yes |
| Shared Branching Access | Yes | Yes |
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Do you bank elsewhere? It’s easy to bring all your accounts to Community Resource!
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Contact a Financial Service Representative or call our office at 518-783-2211.
*Early access to direct deposit funds depends on timing of payer’s submission of deposits. We generally post such deposits on the day they are received which may be up to 2 days earlier than the payer’s scheduled payment date. Dividends are calculated daily and posted monthly. Average daily balance of $1,000 must be maintained to receive a dividend and avoid a fee. Fees and other conditions may reduce earnings. Please refer to your Terms and Disclosures for more detailed savings information.Â