The business of a community bank is taking deposits cheaply and lending at a higher rate. Both of these functions are historically local in nature, but that is changing. Community banks sell themselves on convenience and having a human-centric relationship with customers, as opposed to the driven-by-algorithms approach of the money center banks.
A service to let family members collaboratively manage an email for older/non-tech savvy relatives to prevent phishing, and to maintain easy access for tech support.