• There is a $100.00 minimum opening balance requirement.
• 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 $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.

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, and Direct Deposit 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 a savings account or a certificate of deposit.

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, and Direct Deposit 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.

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 of $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.

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*

Click here to 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.

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

• You must deposit $2,500.00 to open this account.
• You must maintain a minimum daily balance of $500.00 in the account each day to obtain the disclosed annual percentage yield. You will earn interest every day during the period that your account equals or exceeds the minimum daily balance requirement. 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 collected 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 may make no more than six (6) preauthorized withdrawals, automatic or telephone transfers, checks, drafts, debit card and similar transactions from your account per month or statement cycle. For each transaction beyond the allowed number, there is a charge of $3.00 per transaction.
• A monthly service fee of $10.00 will be imposed every month if the average daily collected balance falls below $1,500.00 during the month.

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.