Personal Banking Solutions
Deposit Products
Checking Accounts - Learn More
- Personal Checking Account
- Interest Checking Account
- Statement Savings Account
- Money Market Account
- Relationship Money Market Account
- Penalty will be applied for early CD withdrawals
Certificate of Deposits
- Opening deposit of $1000 is required
- Daily balance method used to calculate interest
- Interest accrued daily, compounded and credited monthly
- Interest may be compounded or deposited into another Black Mountain account
- Automatic renewal at maturity with ten day grace period
- Penalty will be applied for early CD withdrawals
Individual Retirement Account
- Opening deposit of $1000 is required
- Daily balance method used to calculate interest
- Interest accrued daily, compounded and credited monthly
- Automatic renewal at maturity with ten day grace period
- Principal withdrawals prior to maturity will result in a penalty
- Withdrawals made prior to age 59 ½ will be assessed a penalty
Black Mountain Gold Package for Seniors age 55 and older
- Black Mountain Interest Checking (no monthly service charge)
- 10 basis points added to our standard interest rates on Certificates of Deposits
- Internet Banking (no monthly fee), Internet Bill Pay (no monthly fee)
- Free Cashier's checks and traveler's checks
- Direct deposits of social security payments or other recurring deposits
- Telephone Banking
Loan Products
Black Mountain Summit Equity:
(Home Equity Line of Credit)
- Revolving Line of Credit
- Secured by Primary Residence
- Three payment plans available from 4%, 2%, or 1% of the outstanding balance paid monthly. Balance due in full at maturity.
- Tax deductible interest under certain circumstances, consult your tax advisor.
Home Equity Term Loan
- Home Improvement
- Non-revolving
- Pool Financing
- Tax deductible interest under certain circumstances, consult your tax advisor.
- Secured by primary residence
Auto Financing
- New or used vehicles
- Competitive down payments, interest rates and terms
- Secured by vehicle
- Black Mountain Community Bank accounts may be automatically debited for payments and receive a 1/4% rate reduction.
- Vehicle insurance required
Personal Loans
- Secured and Unsecured
- Competitive interest rates (lower than most credit cards)
- Black Mountain Community Bank accounts may be automatically debited for payments and receive a 1/4% rate reduction.
- Fixed rate
- Loans can be secured by your Black Mountain Savings and Certificates of Deposit
Overdraft Protection
- Funds transferred in increments of $25 to checking account
- No annual fee
- No charge per transfer of funds
- Unsecured
Other Services
Credit Cards & Debit Cards
- Applications available for VISA and Master Card
- Personal Regular or Travel Cards
- Business Regular or Business Travel Cards
- Young Adult and Student Cards
- Competitive Interest Rates
Telephone Banking
- 24 Hour banking
- Transfer between accounts
- Account information
- Balance Inquiry
- Transaction Information
- Statement Fax
- 1-800-356-3564 Access Code for Black Mountain Community Bank is 63 or "ME" on the telephone keypad. Remember "Telephone Banking is for ME."
Internet Banking
- 24 hour access to account information
- Transfer between accounts
- Balance Inquiry
- Transaction information
- Information about Bank and affiliates
Internet Bill Pay
- Direct payments to merchants
- Interfaces with popular check writing programs
- Internet Bill Payment is available at no monthly service charge
ATM Access
- No-charge use of Wells Fargo on-premise ATMs
- Deposits also accepted at ATMs of Wells Fargo Bank's - Nevada locations
