Personal Checking Accounts

Free Checking Account

Requirements:

• Initial deposit required to open an account - $100.00

Benefits:

• No monthly maintenance fee
• No minimum balance required
• Visa Debit cards available
• Unlimited check writing

Cost:

• A charge of $1.50  per withdrawal at ATMs not owned by CBT

NOW Account

Requirements:

• Initial deposit required to open an account - $1,000.00

Benefits:

• No monthly maintenance fee unless balance falls below $1,000.00
• Unlimited transactions and check writing
• Visa Debit cards available
• Free online and telephone banking
• Interest begins to accrue on the business day of deposit

Cost:

• This account will be charged a $5.00 monthly fee and a per-item fee of $.20 for each debit transaction (withdrawal, check paid, automatic transfer, or payment) if the daily minimum balance falls below $1,000.00 any day in the statement cycle.
• A charge of $1.50  per withdrawal at ATMs not owned by CBT

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