Advantage Plus Checking Account*
Advance Your Banking With These Great Account Features:
Columbia Bank ATMs are always free – but should you need to use any non-Columbia ATM, we’ll rebate the fee 10 times or up to $30 a month.
Get cash back by using your Columbia Bank debit card. You’ll see your earnings at month’s end.
Online and Mobile Banking
Make transfers, pay bills, deposit checks and more without stepping foot in a branch.
Avoid a Monthly Service Fee*
Maintain a $500 minimum balance or transact 10 POS debit card transactions (not including ATM withdrawals) to avoid a monthly service fee. This fee is waived if you’re under 22 or under.
* Advantage Plussm Checking Account is non-interest bearing. The minimum to open the account is $ 0.01. This account is only available to consumers (natural persons) for personal, family, or household purposes. It is not available for business purposes or to entities such as trusts, partnerships, LLCs, corporations, non- profits, etc. A daily minimum balance of $500.00 must be maintained in the account to avoid a monthly service charge of $9.00. Consumers 22 years of age and under are not subject to the daily minimum balance requirement. Commencing with the month you turn 23 years of age and thereafter the daily balance must be $500.00 or greater for the entire month, otherwise your account will be charged the monthly service fee. If you transact 10 POS debit card transactions not including ATM withdrawals and those transactions post and settle to your Advantage Plussm Checking Account during the month (i.e. statement cycle), the daily minimum balance of $500.00 is not required and your account will not be assessed the monthly service charge of $9.00.
** ATM Fees: This account provides for a waiver of up to ten (10) ATM surcharge fees or $30, whichever is less, for each statement cycle when you use your Columbia Bank Visa® Debit Card (hereafter referred to as “your card”) at domestic ATMs not owned or operated by us and the owner of such ATMs adds a surcharge to your transaction. The refund of such surcharge fees will appear on your statement as a credit. The maximum rebate per 12 month statement cycle period is $360. The surcharge rebate applies only to transactions debited from your Advantage Plussm Checking Account and not on other Columbia Bank accounts that may be secondary accounts listed on your card. When you use your card at domestic ATMs not owned or operated by us and select this account as your debit account, we will not charge you the fees shown on the general schedule of fees or within the Electronic Fund Transfer Disclosure within the Deposit Account Agreement and Disclosure for balance inquiries or withdrawals or for conducting transfers between Columbia accounts. We will also not charge you any fees for domestic POS debit card PIN-based transactions when you use your card to withdraw funds from your Advantage Plussm Checking Account. If you use your card to conduct international ATM transactions, you are subject to the fees from us shown on the general schedule of fees as well as any fees assessed by the owners of such ATMs. If you use your card to conduct international POS transactions using a PIN, you are subject to the fee from us shown on the general schedule of fees as well as any fees assessed by the merchants.
^ UChoose Cash Back Rewards: You receive one point for every $2 spent on signature-based and pinned-based purchase transactions. By paying with your Columbia Bank Debit Card you can earn unlimited cash back annually on all qualifying purchases. A "qualifying purchase" is any Columbia Bank Debit Card transaction that requires either a signature or PIN at the point-of-sale. Please note that ATM withdrawals and bill payments are not considered qualifying purchases.