Checking & Savings

Banking made simple

CB&T offers a wide variety of checking and savings account options for your business or organization to choose from.

Bank when and where you want

In addition to a range of checking and savings product, we also offer tools designed specifically to help you manage your accounts. Tools like Cash Management, and Remote Deposit Capture will help you manage all your business transactions.

In addition to these business-specific products, all CB&T checking accounts come with access to Option Online, the Mobile Community, Free Bill Pay, and more.

  • Checking Accounts

    Which checking account is right for your business or organization? Explore our various checking account options below:

    Account Name Interest Bearing Minimum Balance Required to Avoid Service Charge Opening Deposit Monthly Service Charge Transaction Limitations per Month
    Commercial Checking   Balances can offset service charges. Please contact us for more info $300 Balances can offset service charges. Please contact us for more info None 
    Commercial Economy   $1,500 daily $100 $6, $0.60/debit or deposited item above allowed 50 debit, 150 deposited items
    Non-Profit Checking   N/A $100 Please contact us for more info (will not exceed $12) None 
    Non-Profit Economy   N/A $100 $3, $0.60/debit above allowed 12 debits
    NOW N/A $500 Please contact us for more info (will not exceed $12) None 
    Money Market $1,500 avg collected balance for the month $2,500 $10, $3/debit above allowed 6 debits
    • Check or debit posted: $0.17 each
    • Deposit or credit posted: $0.25 each
    • Check charge backs: $3 each
    • Float items deposited: $0.08 each

    Commercial Checking

    This account has an earnings credit which reduces or eliminates any service charges. This earnings credit is calculated by taking the account's average positive collected balance less an amount that we determine applies for reserves applicable generally to transaction accounts under the rules of the Federal Reserve and multiplying it by a market rate which can be changed without prior notice. This amount (the earnings credit) is subtracted from the standard service fee and the remainder, if any, is charged to the customer. If the government reserve policies change, we may increase or decrease the reserve amount without notice. The earnings credit applies only to the current statement cycle. It does not accrue beyond the current statement cycle. Ask for more details on how this works.

    • A minimum deposit of $300.00 is required to open this account.
    • There are no transaction limitations on this account.

    Commercial Economy

    The Commercial Economy account is a simple, inexpensive business checking account. It provides banking services to small companies and club accounts.

    • A minimum deposit of $100.00 is required to open this account.
    • You will be allowed 50 debits and 150 deposited items per month at no charge, each debit or deposited item over their respective limits is $0.60 each.
    • There will be no monthly maintenance fee for accounts with a minimum daily balance of $1,500.00. Otherwise, a monthly maintenance fee of $6.00 will be assessed.

    Non-Profit Checking

    We are committed to supporting the cultural, civic and charitable endeavors of our community, which includes providing banking services which are responsive to the needs of non-profit organizations.

    This account is designed for the active organization, and allows a non-profit to use a wide variety of banking services.

    • Non-Profit Checking requires an opening balance of only $100.00. A service charge is calculated in the manner of a Commercial Checking Account and will be charged each month; however, the account service charge will not exceed $12.00 per month.
    • A minimum deposit of $100.00 is required to open this account.

    Non-Profit Economy Checking

    This account is designed for smaller organizations. Economy checking is a simple, inexpensive basic checking account. It provides banking services to low activity and low balance non-profits at a minimal cost.

    • After opening the account with a $100.00 deposit, there is no minimum monthly balance.
    • The monthly maintenance fee is only $3.00.
    • You may have as many as 12 debits per month at no additional charge. Each additional debit after 12 is $0.60 per debit.
    • A minimum deposit of $100.00 is required to open this account.

    NOW Account

    Commercial NOW Accounts are available to sole proprietors, certain partnerships, and non-profit organizations.

    Corporations and general partnerships are excluded by law.

    • The service charge in each monthly statement cycle is calculated the same as a commercial account, but there will be no earnings credit to reduce or eliminate the service charge.
    • A minimum deposit of $500.00 is required to open this account.
    • This account is an interest bearing account. On the days that the balance is below $500.00, the account will not earn interest. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account. We may change the interest rate on the account daily.
    • Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).
    • Interest will be compounded monthly. Interest will be credited to the account monthly. If you close the account before interest is credited, you will not receive the accrued interest.
    • We use the daily balance method to calculate the interest on the account ("Balance"). This method applies a daily periodic rate to the principal in the account each day.

    Money Market

    Open this account with a minimum deposit of $2,500.00 and you will earn our highest current market rate. This account also allows you to write up to six checks per month and make as many in-bank withdrawals or in-bank transfers as you desire.

    • This account is an interest bearing account. Any day your daily balance is below $2,500.00 and above $499.99, you will earn interest at the NOW Account interest rate. On the days that the balance is below $500.00, the account will not earn interest. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account. We may change the interest rate on the account daily. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example: checks). Interest will be compounded monthly. Interest will be credited to the account monthly. If you close the account before interest is credited, you will not receive the accrued interest.
    • We use the daily balance method to calculate the interest on the account ("Balance"). This method applies a daily periodic rate to the principal in the account each day.
    • You must deposit $2,500.00 to open this account. There is no limit to the number of withdrawals made in person, by mail or messenger, or at automated teller machines. You may make six (6) transfers from your account each four (4) week or similar period, but only (3) may be payments by check to third parties. For each transaction beyond the allowed number, there is a charge of $3.00 per transaction. If you continue to violate these limits after we have contacted you, we will close the account and place the funds in another account that you are eligible to hold.
    • If you maintain a daily balance of at least $1,500.00 every day of the month, there will be no maintenance fee. If you do not, an account maintenance fee of $10.00 will be assessed.
  • Savings Accounts

    Which savings account is right for you? Explore our various savings account options below:

    Account Name Minimum Balance Required to Avoid Service Charge Opening Deposit Monthly Service Charge Number of Withdrawals Allowed Per Month
    Business Savings $100 $100 $5 6, $3/withdrawal after 6
    Investment Fund $10,000 $25,000 $10 6, $10/withdrawal after 6
    Premium Investments $10,000 $25,000 $20 6, $10/withdrawal after 6

    Business Savings

    • There is a minimum deposit of $100.00 required to open this account.
    • This account is an interest bearing account. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account. We may change the interest rate on the account daily. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example: checks). Interest will be compounded monthly. Interest will be credited to the account monthly. If you close the account before interest is credited, you will not receive the accrued interest.
    • We use the daily balance method to calculate the interest on the account ("Balance"). This method applies a daily periodic rate to the principal in the account each day.
    • Withdrawals and pre-authorized transfers are limited to six (6) for each four (4) week or similar period. Anything in excess of this will be charged $3.00 each.
    • If you maintain a daily balance of at least $100.00 every day of the month, there will be no maintenance fee. If you do not, a monthly account maintenance fee of $5.00 will be assessed.

    Investment Fund

    • Open this account with a minimum deposit of $25,000.00 and you will earn a premium interest rate and percentage yield. This account allows six (6) withdrawals, in-bank and/or phone transfers per month. Each transaction beyond six (6) will be charged $10.00 per transaction.
    • The Investment Fund Account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account. The daily interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue on the business day we receive credit for your deposit. Interest will be compounded monthly and be credited to the account monthly. If the account is closed before interest is credited, you may not receive the accrued interest for that partial month. On the days the balance is below $500.00, the account will not earn interest.
    • If you maintain a daily balance of at least $10,000.00 every day of the month, there will be no maintenance fee. If your balance goes below $10,000.00 at any point during the month, there will be a $10.00 maintenance fee.

    Premium Investments

    • If you maintain a daily balance of at least $10,000 every day of the month, there will be no maintenance fee. If your balance goes below $10,000.00 at any point during the month, there will be a $20.00 maintenance fee for that month.
    • Open this account with a minimum deposit of $25,000.00. For balances over $10,000 you will earn our premium interest rate. This account allows six (6) withdrawals and in-bank and/or phone transfers per month. Each transaction beyond six (6) will be charged $10.00 per transaction.
    • The Premium Investment Fund is an interest bearing account. At our discretion, we may change the interest rate and/or tiered dollar levels on the account daily. On the days the balance is below $1,000.00, the account will not earn interest. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example: checks). Interest will be compounded monthly. Interest will be credited to the account monthly. If you close the account before interest is credited, you will not receive accrued interest.