Community Bank Services is a wholly-owned subsidiary of the North Carolina Bankers Association. It offers employee benefits, products and services (through endorsed vendor relationships) and a full-service insurance agency (focusing primarily on financial institution bond and directors and officers liability coverage) to the membership of the NCBA.

Revenues generated from CBS programs, in the form of service fees, royalties and commissions ultimately enable the NCBA to maintain its low dues structure. Since the inception of CBS in 1981 over $20 million has been upstreamed to the Association.

Before you decide on a product or service to offer your customers, or one that is necessary for the day-to-day operation of your institution, please contact Janice Royster with CBS ( Doing business with CBS makes dollars and sense!

Employee Benefits

  • Group disability, long-term, short-termUNUM, Standard, Lincoln Financial, Sun Life, Guardian, OneAmerica, Dearborn National

  • Group MedicalNCBA Health Benefit Trust

  • Group DentalDelta Dental

  • Group Life/Supplemental LifeThe Standard

  • VisionSuperior Vision

  • Accidental Death and DismembermentThe Standard

  • Voluntary Critical Illness & CancerColonial

  • Voluntary Universal LifeColonial

  • Voluntary AccidentColonial