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Citizens Bank & Trust Co., The Trusted Name in Banking

Personal Checking

 


Regular Checking Account

  • $600 daily balance requirement to avoid $7.50 monthly service charge
  • Minimum balance to open account is $1.00
  • Unlimited Check writing
  • Easy to read monthly statement
  • Member FDIC
 

CB&T Free Checking Account

  • This is a NO service charge account offered with unlimited check writing.
  • Minimum balance to open account is $200.00
  • Other fees may apply
  • Easy to read monthly statement
  • Member FDIC

Student Checking Account

  • Enjoy all the benefits of our regular checking account with additional benefits specially designed for the high school and college student.
  • No monthly service charge
  • Minimum balance to open account is $50.00
  • Debit card available at the opening of the account
  • 50 starter checks given at opening of the account and no charge reorders of standard starter type checks personalized.
  • Easy to read monthly statement
  • Member FDIC
 

Senior Citizens Checking

  • You must be 65 years of age or older to open this type of account.
  • Minimum balance to open account is $250.00
  • A $3.00 monthly service charge applies if the balance falls below $600.00
  • Free basic personalized checks
  • Easy to read monthly statement
  • Member FDIC
 

NOW Account

  • Individual Accounts only- No Business Accounts by Federal Law
  • Minimum balance to open account is $1,000
  • No monthly service charge if balance is $1,000 or over
  • $8.00 monthly service charge if balance is below $1,000, if the balance is below $500 no interest is paid.
  • Designed for the customer who keeps $1,000 or more in their checking account.
  • Enjoy the privileges of full service checking plus earn interest on all daily collected funds of $500 or more.
  • Easy to read monthly statement
  • Member FDIC
 

Health Savings NOW Account

  • Individual Accounts Only
  • Minimum balance to open account is $50
  • No Interest paid on balance below $50
  • This account is designed for a customer with a qualified high deductible health insurance policy. For a qualified policy check with your insurance agent.
 

Premier NOW Account

  • Minimum balance to open account is $250.00
  • A $8.00 monthly service charge applies if the balance falls below $200.00
  • $1,000 balance each day to obtain the disclosed APY
  • Other benefits include unlimited check writing, club personalized checks, $100,000 common carrier accidental death insurance, Identity Theft 911, Cellular Telephone Protection, and a variety of money saving offers
  • Member FDIC
 

Premier Plus NOW Account

All the benefits of Premier checking with several added benefits, for an additional monthly fee of only $4.00 you can enjoy these major enhancements.
 
  • Minimum balance to open account is $250.00
  • $1,000 in account each day to obtain disclosed APY
  • $10,000 Accidental Death and Dismemberment Insurance for an additional monthly fee of $4.00
  • All the benefits of the Premiere Now Account including unlimited check writing, club personalized checks, $100,000 common carrier accidental death insurance, Identity Theft 911, Cellular Telephone Protection, and a variety of money saving offers
  • Member FDIC