The days of just having the good old Checking and Savings account are over. There is so much more available to you now, and life has gotten pretty complicated. By choosing the conveniences that make the most sense for your life, you can create your own custom personal banking package. After all, shouldn't your accounts and services be all about you, anyway?

Our account conveniences are designed with one thing in mind - to make things easier. Most of them are free, or very reasonably priced. These account conveniences are not about selling you the product of the month - we want your life to be better because you bank with Columbia Bank. It's that simple.

Click on a link below to find out more about our available account conveniences:
-Online Banking
-VISA Check Card
-Free Bill Pay
-Direct Deposit
-Automatic Transfers
-Automatic Credits and Debits
-VISA Credit Card
-Cancelled Check Return - Imaging or Safekeeping
-Overdraft Protection

OnLine Banking - Did you know you can transfer all your account information into Quicken with Columbia OnLine? Not only that, you have 24/7 access to your accounts. You can check on balances, see if a check has cleared, transfer money between your accounts, even look up a history. And it's all FREE! We use the highest level of SSL (Secure Socket Layer) encryption so it's safe - and you have your own password and online sign-on name. 


VISA Card Services - The debit card that acts like a VISA Card and is accepted everywhere that VISA is accepted. It also doubles as your ATM Card. Now you can stop taking the time to write checks at the grocery store and can save time at the gas station, dry cleaner, restaurants and any merchant who accepts VISA. The money comes right from your checking account, so it's just like writing a check, and you have the transaction on your statement -  and via Columbia OnLine! The VISA Check Card is free, and is subject to credit approval.


Free Bill Pay - Bill Pay is a method of paying your bills - electronically or by draft - over the Internet. You must first be signed up for Columbia OnLine^®, which is free and gives you secure access to to your Columbia Bank accounts via the Internet. If you already have Columbia OnLine, all you need to do to enroll on Bill Pay is click "Bill Pay" after you log in. If you don't have Columbia OnLine and would like to sign up for Bill Pay - Enroll Now in Columbia OnLine and Bill Pay.

By adding Bill Pay to your Columbia OnLine service, you are now able to pay your bills (to ANY merchant, institution or individual in the United States) by electronic means. You decide when to pay, how much, and the money is transferred from your account automatically - and you have a record of the transaction. It's easy. Learn More

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Direct Deposit - If you've just joined Columbia Bank and need to transfer your direct deposit over to your new accounts - we can do that very easily. If you are an existing customer and would like to have your paycheck begin depositing directly into one of your Columbia Bank accounts - that is just as easy. With Direct Deposit you have access to your funds immediately. We can even arrange to have other payments - such as Social Security and VA Benefits - deposited directly into your account. Contact your branch to set up Direct Deposit today.


Automatic Transfers - We all have great intentions to save a little bit each month, or set money aside for an upcoming purchase or event. But, sometimes life gets hectic and it becomes one more thing we have to remember to do. Not anymore - with automatic transfers, you can have money transfered between accounts automatically on a regular basis. You can change the date or amount at any time and as often as you need. And it's free. Contact your branch to set up Automatic Transfer today.


Automatic Credits and Debits -  Use our ACH (Automatic Clearing House) system to perfom automatic payments and deposits without the use of Bill Pay. You can use this to set up payments of your "same amount every month" bills (like cable, club dues, condo fees, your mortgage payment, your personal loan payment, etc), or automatic deposits into your account from various entities. Just contact your branch to set it up, or you can do it via Columbia OnLine. All payments show up on your statement, and can also be tracked using Columbia OnLine.


VISA Credit Card - Not only does the VISA Credit Card give you all the buying power of your credit in one little card, you also get access to some great services from VISA: Direct Access - gives you online access (through VISA) to your accounts, you can check your balance, and even pay your bills online! Gift Cards - The best way to give someone you know exactly what they want! Now they can use your gift card anywhere that VISA is accepted - anywhere in the world. They're also great for your kids at school or when they travel. Verified By VISA - By registering your card with Verified by VISA, you are covered in the event that your card or card number is stolen and used by someone other than yourself. It only takes a few minutes to register your card.

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Check Imaging or Check Safekeeping - Even getting your cancelled checks back has gone high-tech - and has gotten much easier. Check Imaging - You receive images of your checks - printed on paper, and included with your monthly statement. Images and copies of cancelled checks are widely accepted as proof of payment. And at 12 images per page, they are much easier to store. Check Safekeeping - Your checks are listed on your statement, but we keep them for you - for 7 years. Whenever you need a copy of a check, we provide it for you - you just need to contact your branch. Request as many copies as you may need - the first 24 each month are free, and then $2.50 per check and $20.00 per hour of research. Contact your branch to set up your check return option today.

Overdraft Protection - The PRA or Personal Reserve Account is a line of credit attached to your checking account. Say you need to pay for a car repair before payday, or purchase plane tickets for an unexpected trip - the PRA will cover you. The advances are automatic if you happen to overdraw, or you can request them by contacting your branch.The advance is made in increments of $50 and will appear on your monthly statement. You will also recieve a bill for the advance and can pay back the entire amount or 3% of the total ($15 minimum) either by check or via Columbia OnLine. We use a daily periodic rate of .04109% to compute the interest finance charge. This is a corresponding Annual Percentage Rate of 15%. The annual fee is $35.00.
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