Earn interest on balances of $1,000 or more!


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 


Compare our checking accounts to determine the best choice for you.

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


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


Free ATM Access



Debit Card Yes Yes
Free Online & Mobile Banking Yes Yes
Free Checks Yes Yes
Shared Branching Access Yes Yes


Do you bank elsewhere? It’s easy to bring all your accounts to Community Resource!

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.