C

Community Bank, N.A.

Best ForFee-Conscious Savers
FeesNone ($0 Maintenance)

Quick Summary

  • HSA savings account

The Verdict

Community Bank, N.A. provides essential HSA features with zero monthly maintenance fees and basic savings functionality, earning a 0/5.0 rating from HSA Orbit.

Community Bank's roots can be traced back to 1866, when our predecessor, St. Lawrence County National Bank, was chartered. As we've expanded into the Northern Tier, Southern Tier, Western New York, Pennsylvania, Vermont and Western Massachusetts, we've always remembered what got us here—our customers. And it's evident in everything we do.

For over 155 years, we’ve served the financial needs of our customers. They’re the reason we exist. Of course, many companies make that claim. At Community Bank, we take it to heart. It’s why we make such a big deal about customer service. We don’t see going the extra mile as extra at all. It’s simply business as usual.

Key Features

Banking & Access

Basic account access provided.

Investment Options

This provider focuses on cash savings without investment options.

Security & Insurance

Deposits are FDIC/NCUA insured for your protection.

Account Details

No minimum balance to open. no account opening fees.

Fee Analysis

Fee TypeThis ProviderIndustry AverageVerdict
Monthly Maintenance$0.00$0.69EXCELLENT
Account Opening$0.00$1.88EXCELLENT
Account Closing$0.00$1.95EXCELLENT

Industry averages calculated from 853 providers in the HSA Orbit database.

Investment Options

Savings-Only Account

Community Bank, N.A. currently offers a savings-focused HSA without investment options. Your funds earn interest in a cash account.

Interest Rates

Interest rates are not currently available for this provider.

Contact Information

Address

5821 Bridge Street East Syracuse, NY 13057 Customer Service Mailing Address Community Bank, N.A. PO Box 509 Canton, NY 13617-0509

Customer Service

1-866-764-8638

5821 Bridge Street East Syracuse, NY 13057 Customer Service Mailing Address Community Bank, N.A. PO Box 509 Canton, NY 13617-0509

At a Glance

Monthly Fee$0
Investment ThresholdN/A
Interest Rate (Cash)Not published
Debit CardNot included
FDIC InsuredYes

Pros & Cons

The Good

  • No monthly maintenance fees
  • No account opening or closing fees
  • FDIC/NCUA insured deposits

The Bad

  • No investment options available
  • No online banking
  • No debit card included

User Sentiment

Based on community feedback

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NegativeNeutralPositive

Sentiment data coming soon

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