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Columbia Bank
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Account Services

Accordion 1
Overdraft Services

A checking account feature in which you can link your savings account or a line of credit to your checking account to cover costly overdrafts.

Benefits with Either Choice:

  • Easy to setup - Only pay for Overdraft Service if you use it
  • Peace of Mind - Mistakes can happen, but with either of the Overdraft Service choices, you can help ensure your checking account is covered
  • Save Money - Help to avoid paying fees for overdrawing your checking account

How it Works

Savings Overdraft

If you write a check, authorize a payment or take a cash withdrawal when there are not enough funds in your checking account, funds will be transferred from your Savings account, up to your available savings account balance, to your checking account to cover the overdraft.

  • Funds will only be transferred once per business day
  • One Savings account can be linked to several checking accounts for coverage
Overdraft Line of Credit*

If you write a check, authorize a payment or take a cash withdrawal when there are not enough funds in your checking account, funds will be transferred from your Overdraft Line of Credit to your checking account to cover the overdraft up to your approved credit limit.

  • Funds will only be transferred once per business day
  • One Overdraft Line of Credit account can be linked to several checking accounts for coverage
  • $25 annual fee, waived the first year
  • Interest will accrue on outstanding balances

*Subject to credit approval. See branch for full details.

Accordion 2
  • Get automatic savings every time you shop!
  • When you enroll in our CENTS-Ability program, every Columbia Bank MasterCard® debit card purchase is rounded up to the nearest dollar1
  • No CENTS-Ability fee
  • We transfer the difference from your checking to your savings, automatically
1. Upon completion of the CENTS-Ability transfer agreement, Columbia Bank will increase your debit card transaction to the next whole dollar and will transfer the difference from your Columbia Bank checking to your Columbia Bank savings account. These transactions will be processed at the end of each business day. If your checking account does not have enough money to increase to the next whole dollar, a transaction for the difference will not be generated. Ask to speak to a Customer Service Representative for more information.
Accordion 3
Mobile Deposit

Now you can deposit checks whenever and wherever is convenient for you!

Mobile Deposit is a quick and simple way to make a deposit to your Columbia Bank account from your mobile device.

Available within your Columbia Bank App. Don't have the App, download it now!

Mobile App - iPhone

Mobile App - Android

Just take a picture of your check¹ through our mobile App and submit!

  • Complimentary mobile deposits
  • Submit your mobile deposits safely and securely

1. Mobile check deposits are subject to verification and may not be available for immediate withdrawal. Transaction limitations may apply.

Data and text messaging charges from your mobile carrier may apply.

For more information please call 800.421.2575 and ask to speak with Customer Care Representative.

Accordion 4
Electronic Statements

By switching to online statements, you can manage your account easily while reducing mail and paper cluttering your desk. Plus, when you stop your monthly paper checking or savings account statements, you can help the environment by reducing paper consumption.

Why Make The Switch?

Security - Mail theft is on the rise so secure your statement by receiving it electronically!

Less Clutter -All of your statements will be stored in online banking so no need to try and find a spot for them at home.

Efficiency - You'll be able to locate your statements quicker than ever and you can upload them directly to different programs.

Go Green - Less paper means less impact to the environment. Every little bit helps!

How to enroll:
  1. Log in to your online banking
  2. Click on Statements & Notices > Statement Delivery
  3. For each account, click the pencil icon and then the drop down for Delivery Type and choose E-Statement
  4. Click the option to accept or decline the E-Statement Delivery Agreement. If you choose to decline, you will not be enrolled in electronic statements.
  5. Verify the email address is correct and click Save
  6. You're enrolled! You may receive one more paper statement.

Electronic statements are only available for checking and savings accounts.

Please call 800.421.2575 if you have any questions.

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Contactless Pay
Complete purchases easily and quickly online, in apps and in stores without having to take out your debit card.

A digital wallet is an application on an electronic device that allows you to make secure payments. Digital wallets let users complete purchases easily and quickly online, in apps and in stores.

Google Pay™, Apple Pay®, Samsung Pay®
Just add your debit card to the digital wallet that works with your phone, for a simpler checkout process. You’ll be able to pay with your phone by holding it up near the terminal where contactless payments are accepted!

Digitized card credentials are stored on an online merchant platform where cardholders can make secure purchases and recurring payments.

Card on File (COF)
COF allows card information to be securely stored in a merchant’s system for billing or purchases. A COF transaction is conducted without the cardholder present and without any cardholder validation, similar to a recurring payment.

Visa® Checkout
Cardholders can easily register through the Visa Checkout website and upload multiple cards, selecting one to make a payment. The simple and secure sign-up allows cardholders to check out fast with a username and password — from cart to complete in as few as three clicks.

Fitbit Pay and Garmin Pay
Fitbit Pay™ and Garmin Pay™ are an easy way to make purchases on the go, right from your wrist. Now cardholders can workout without their phone or wallet and still shop at their favorite stores.

Look for these symbols to see where contactless payments are accepted:
contactless pay icons

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