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Personal Checking

Choice Premier

Looking for a free* checking account that earns a high interest rate? Try Choice Premier checking and start earning today!

  • Earn 2.50% Annual Percentage Yield on balances up to and including $25,000 if qualifications are met;
  • 0.25% Annual Percentage Yield on balances over $25,000.
  • 0.05% Annual Percentage Yield on all balances when qualifications are not met. 
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Choice Interest

Enjoy a little more money in your pocket! Earn a competitive interest rate on checking account balances with a free* Choice Interest account! 

  • Earn 2.00% Annual Percentage Yield on balances up to and including $25,000 when qualifications are met.*
  • 0.25% Annual Percentage Yield on balances over $25,000.
  • 0.05% Annual Percentage Yield on all balances when qualifications aren't met.
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Choice Cash

Would you like to earn cash back on debit card purchases? Then Choice Cash is the account for you!

  • 2.00% cash back on debit card purchases; cash back earned on up to $400 in purchases monthly, when qualifications are met.*
  • Earn up to $96 cash back per year, $8 per month. 
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*Qualifications vary by account. Account transactions and activities may take one or more days to post and settle and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. Qualifications for Choice Cash and Choice Interest include: minimum of 12 debit card purchases to post and settle during each monthly qualification cycle, minimum of 1 online banking login per monthly qualification cycle. Qualifications for Choice Premier include: minimum of 15 debit card purchases to post and settle during each monthly qualification cycle, minimum of 1 online banking login per monthly qualification cycle. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, and purchases made with non-Cortland Bank issued debit cards. “Monthly Qualification Cycle” begins on the 6th of every month. The cutoff date for qualifying debit card purchases is the 5th of every month. If the 5th falls on a weekend or a holiday, the statement cycle and monthly qualification cycle will end on the business day before the weekend/holiday. Rewards vary by account. Depending on your Choice Rewards checking account type, you will receive one of the following rewards when account qualifications are met during a Monthly Qualification Cycle: (1) Interest on your checking account balances (Choice Interest and Choice Premier), (2) Cash back on debit card purchases (Choice Cash). In addition, you will receive reimbursements for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. Depending on your Choice Rewards checking account, when your qualifications are not met, only non-qualifying interest is earned, other rewards distributions are not made and ATM fees are not refunded. Account rewards and ATM fee reimbursements will be credited to your Choice Rewards account on the last day of the statement cycle. Account approval, conditions, qualifications, limits, time frames, enrollments, log-ons and other requirements may apply. Monthly accessing of online banking and receipt of electronic statements may be a condition(s) of these account(s). There are no recurring monthly service charges or fees to open or close this account as long as you authorize receipt of an electronic statement. Accounts that receive a monthly paper statement will be assessed a $2 fee monthly. Contact a Cortland Bank representative for additional information, details, restrictions, processing limitations and enrollment instructions. APYs are accurate as of 6/29/2020. APY = Annual Percentage Yield 

Second Chance Checking

The Second Chance checking account will help you rebuild your credit and financial goals, after being turned down for a traditional checking account.

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Club 65

The exclusive Club 65 is a checking account for those 65 years and older and a great and simple way to manage your finances.

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Free Checking

The Free Checking account offers a simple and straightforward way to bank. The best things in life are free and this account is designed to meet your every day needs!