Checking & Savings

Banking options to fit your lifestyle

CB&T offers a wide variety of personal checking and savings account options for you to choose from.

Bank when and where you want

All CB&T checking accounts come with access to Option Online, the Mobile Community, Free Bill Pay, convenient ATM locations, and so much more!

  • Checking Accounts

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

    Account Name Interest Bearing Minimum Balance Required to Avoid Service Charge Opening Deposit Monthly Service Charge
    eChecking   $0.00 $100 $7/month and $0.50/paper debit after 7
    Personal   $500 daily, $1,000 avg daily for the month $100 $6, $0.15/debit
    Senior   $300 daily, $500 avg daily for the month $100 $5 (fee waived if you maintain a daily balance of $1,500 or more in a savings account or a CD with CB&T)
    Senior Plus $1,000 daily, $1,500 avg daily for the month $200 $10
    NOW  $1,000 daily, $1,500 avg daily for the month $500 $10, $0.15/debit after 20
    Heritage $40,000 avg daily in combined personal CB&T accounts $100 $8
    Money Market $1,500 avg daily collected balance for the month $2,500 $10, $3/debit after 6

    Also offered – “paperless” Internet Plus Money Market account.

    e-Checking

    This checking account rewards the use of our electronic product offerings. By not using paper debits and agreeing to receive e-statements, you receive the financial benefit of no service charges or per item charges to your account. All this while you enjoy instant access to your checking account information through the following CB&T offerings: Option Online (internet banking), Option 24 (telephone banking) and by joining our Mobile Community (mobile banking).

    • The minimum deposit of $100.00 is required to open this account. You will be allowed 7 paper debits per month at no charge; each additional paper debit after 7 is $0.50 each. There is no per item charge for electronic or ATM & Check Card debits.
    • There will be no monthly account maintenance fee if paper debits are 7 or less per monthly statement cycle. If paper debits exceed 7 in a monthly cycle, the account will be assessed a $7.00 maintenance fee.
    • Our Mobile Community is available to E-Checking account holders. Your mobile carrier's text messaging and web access charges may apply.
    • E-Statements are required in order to open this type of account. Customers are required to notify Community Bank & Trust of any email address changes. If an e-statement is sent to the email address that is on file with the bank and that e-statement is returned to the bank as undeliverable, you will be charged a service charge of $5.00 per month for paper statements. This fee will be in addition to the other charges outlined above.
    • Return Item Charge & Overdraft Charge $30.00 (Fee created by check, ATM or in person withdrawals or other electronic means.)

    Personal Checking

    • There is a $100.00 minimum opening balance requirement.
    • There will be no monthly maintenance fee or per check charge for accounts with a minimum daily balance of $500.00 or an average daily balance of $1,000.00 during the month.
    • If you do not maintain one of the required minimum balances, you will be assessed a monthly account maintenance fee of $6.00 and a charge of $0.15 per debit.

    Senior Account

    This account is available to persons 62 years of age and over. This account provides the following services free of charge and without deposit requirements: standard personalized checks, Notary service, domestic wire transfer, Direct Deposit, and travelers checks at no additional fee.

    • A minimum deposit of $100.00 is required to open this account.
    • There will be no monthly maintenance fee for accounts with a minimum daily balance of $300.00 or an average daily balance of $500.00 during the month. If you do not maintain one of the required minimum balances, you will be assessed a monthly account maintenance fee of $5.00 per month. These fees are waived if you maintain a daily balance of $1,500.00 or more in savings account or a certificate of deposit.

    Senior Plus

    This account is available to persons 62 years of age and over. This account provides the following services free of charge and without deposit requirements: Free standard personalized checks, free Notary service, free domestic wire transfer, free Direct Deposit, and travelers checks at no additional fee.

    • A minimum deposit of $200.00 is required to open this account.
    • There will be no monthly maintenance fee for accounts with a minimum daily balance of $1,000.00 or an average daily balance of $1,500.00 during the month. If you do not maintain one of the required minimum balances, you will be assessed a monthly maintenance fee of $10.00.
    • 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. On the days that the balance is below $500.00, the account will not earn interest. 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.

    NOW Account

    Open this account with a minimum deposit of $500.00 and you begin earning interest compounded and paid monthly.

    • At our discretion, we may change the interest rate and APY on this account at any time. 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. On the days that the balance is below $500.00, the account will not earn interest. 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.
    • There will be no monthly maintenance fee or per debit charge (such as: total check debits charged, ACH debits, POS debits, Check Card settlement, and all other debits not herein mentioned) for accounts with a minimum daily balance of $1,000.00 or an average daily balance $1,500.00 during the month. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. If you do not maintain one of the required minimum balances, you will be assessed a monthly account maintenance fee of $10.00 and per debit charge as follows: The first 20 debits are posted free and then additional debits are posted for a charge of $0.15 each.

    Heritage Checking

    The Heritage Checking Account is CB&T’s premier rewards checking account. This account offers these premium benefits:

    • Interest bearing account
    • Rebated ATM fees up to $25 per statement cycle
    • Annual safe deposit box discount of $10
    • Wealth Management & Trust consultation
    • Cash Back Member Rewards*
    • ID Protect – Identity Theft Protection Service*
    • Cell phone protection*
    • Up to $10,000 Identity Theft Fraud Reimbursement Coverage*
    • $10,000 Accidental Death and Dismemberment Insurance*

    *See all of the extra benefits offered to Heritage Checking Account Holders!

    • A minimum deposit of $100.00 is required to open this account. There will be no monthly maintenance fee for accounts with an average daily balance of $40,000.00 or a combined total balance of $40,000.00 in the following personal CB&T accounts: checking, money market, savings or time deposit accounts of which you are an owner. If you do not maintain one of the required minimum balances, you will be assessed a monthly maintenance fee of $8.00.
    • This account is an interest-bearing account. At our discretion, we may change the interest rate and APY on this account at any time. 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. On the days that the balance is below $500.00, the account will not earn the disclosed annual percentage yield. 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.
    • Our Mobile Community (mobile banking) is available to Heritage account holders. Your mobile carrier's text messages and web access charges may apply.
    • Statement options include free monthly eStatements with check images.
    • Return Item Charge & Overdraft Charge $30.00 (Fee created by check, ATM or in person withdrawals or other electronic means).

    Insurance Products: Not insured by FDIC or any Federal Government Agency. Not a deposit of or guaranteed by the bank or a bank affiliate.

    Money Market

    • Open this account with a minimum deposit of $2,500.00 and you will earn our highest current market rate.
    • The interest rate and annual percentage yield will depend upon the daily balance in the 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. At our discretion, we may change the interest rate and APY on this account at any time. 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.
    • 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) debits from your account each four (4) week or similar period. 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.

    Internet Plus Money Market Account

    Internet Plus is a special Money Market account that we offer as yet another "banking option" for our internet Option Online customers. This is a higher yield money market account that may only be accessed by computer. There are no paper transactions on this account and month end statements are provided to you online. No more waiting on the postman to deliver your statement! From the convenience of your home computer, enjoy higher interest yields and easier management of your money with an Internet Plus Money Market Deposit Account.

    • Open this account with a minimum of $5,000.00 to earn our special Internet Money Market Rates.
    • Interest will not be paid on Daily Account Balances that drop below $500.00.
    • Checks will not be provided on this account, however, this account allows for six transfers and/or pre-authorized electronic transactions for each four (4) weeks or similar period.
    • At our discretion, we may change the interest rate and annual percentage yield (APY) on your account at any time.
    • A per transaction fee of $3.00 will be charged for each transaction in excess of six (6) for each four (4) week or similar period.
    • The interest on the account will be compounded monthly and credited to your account each month.
    • Statements are not mailed to the customer on the "Internet Plus" account however, you may access your electronic statements through Option Online and print them out. You agree that you have the necessary electronic facilities to download information on this account.
    • 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.
    • If you close your account before the interest is credited, you will not receive the accrued interest.
  • Savings Accounts

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

    Account Name Interest Bearing Minimum Balance Required to Avoid Service Charge Opening Deposit Monthly Service Charge Number of Withdrawals Allowed Per Month
    Consumer Savings $100 $100 $5 6, $3/withdrawal after 6
    Minor's Savings $0 $50 None 6, $3/withdrawal after 6
    Investment Fund $10,000 $25,000 $10 6, $10/withdrawal after 6
    Premium Investment $10,000 $25,000 $20 6, $10/withdrawal after 6

    Consumer 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.
    • Six withdrawals per month are permitted, anything in excess of this will be charged $3.00 each. Pre-authorized transfers are limited to six (6) for each four (4) week or similar period.
    • 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.

    Minor’s Savings

    • There is a minimum deposit of $50.00 required to open this account.
    • This account is an interest-bearing account for individuals under the age of 18 and must be opened by an adult. There is no service charge on a Minor's Savings Account regardless of balance. 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.
    • Six withdrawals per month are permitted, anything in excess of this will be charged $3.00 each. Pre-authorized transfers are limited to six (6) for each four (4) week or similar period.
    • 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.

    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 Investment Fund

    • 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.
    • 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.