The account that takes the worry out of life. All for $7.95 per month

Benefits Account gives you access to Everyday Savings!

Are you looking for even more benefits than other checking accounts offer? Our Benefits Account is the checking account for you. Receive special access to everyday savings for just $7.95 a month. As with our other checking accounts, you’ll have the chance to WIN A PRIZE for opening this account with us!

Every new personal checking account includes:

  • FREE Debit Card
  • FREE Online Banking
  • FREE Bill Pay
  • FREE Mobile Banking with Mobile Deposit
  • FREE eStatements with online check images
  • FREE first box of personalized checks
  • 3 ATM surcharge fees WAIVED AUTOMATICALLY per month
  • PLUS, we will buy back your unused checks and debit cards from another financial institution up to $10.
  • A Chance to WIN A PRIZE!

Our Benefits Checking account provides access to the industry leading services such as: Cellular Telephone Protection, Identity Theft Resolution, Roadside Assistance, Accidental Death and Dismemberment Insurance* along with Shopping, Travel and Entertainment discounts via print and mobile coupons. All of your services can be accessed via instructions on the back of the membership card.

Access Benefits Checking at the link provided below or download the Benefits Checking app at the Apple or Google Play Store.

• First 5 Lines Listed on Cell Phone Bill Covered • $600 Coverage per Claim – $1,200 Annual Limit • Only $50 Co-Pay per Claim
• A personal advocate who works with you one-on-one, start to finish to restore your identity • Includes immediate household family members • Systematic notification of credit bureaus, creditors and collectors, government agencies and all other relevant parties
• Roadside Service • Lockout Service • Battery Service
• Does Not Reduce 50% at Age 70 • Includes Comprehensive Travel Assistance Services • Seatbelt (10% additional) and Airbag
• Retail & Restaurant Savings • Grocery Coupons • Travel discounts and 10% savings on select hotels

Which account is right for you?



Minimum to Open

Monthly Service Charge

Benefits Account N/A $50 $7.95
Freedom Account N/A $50 $5 (can be credited back with the enrollment of eStatements)
Convenience Interest Account Competitive $50 $5 (can be credited back with the enrollment of eStatements)
Preferred Interest Account Competitive $50 $10 if balance falls below $5,000
Colony One Account N/A $25 $0

Looking to open a business account too?

Compare our business accounts. You’ll have a chance to win a prize when you open any personal or business checking account.

Visit Your Local Banking Center

Click for a complete list of all of our banking center locations.

Minimum opening deposit is only $50. For Colony One account, minimum opening deposit is only $25. Ask us for details. Bank rules and regulations apply. Other fees such as non-sufficient funds, overdraft fees, etc. may apply. See fee schedule for details. Up to $10 for checks and debit cards from another financial institution given at the time the checks/debit cards are presented. Offer good on personal accounts only; ask us about our outstanding options for your business or organization. No purchase necessary to win and will not increase your chances to win. Entrants must be 18 years of age or older. Limit one entry per person. Colony Bank employees and their immediate families are not eligible to win. Winner of the prize may be issued a 1099-MISC. For Official Contest Rules click here:

*$10,000 Accidental Death and Dismemberment Insurance Coverage is provided at no additional charge. Total coverage splits evenly among all authorized signers as indicated on the account opening signature cards. Insurance products are not deposits, not FDIC insured, not insured by any federal government agency, not guaranteed by the bank.