Columbia Bank provides a wide range of financial services to consumers and businesses. The bank offers checking, savings and money market accounts, debit cards, certificates of deposit and retirement plans. Its lending capabilities include consumer, mortgage, business and home equity loans, as well as lines of credit. Columbia Bank assists businesses with merchant services and direct deposits. The bank's online module enables customers to access accounts, pay bills and customize financial services. It is a member of the Federal Deposit Insurance Corporation. Columbia Bank is based in Lake City, Fla.