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Depository Services

Depository Services

Basic Commercial Checking

This versatile and low-cost account is perfect for small-to-medium sized businesses with low to moderate account activity.

Advanced Commercial Checking

For more complex business models, this account allows you flexibility as you expand your business.

Interest Commercial Checking

This account is designed for the small business entrepreneurs and nonprofit organizations with a competitive interest rate and generous activity allowance.

Investment Money Market

Designed for the businesses that want to set their money aside and maximize the return on their funds with tiered interest rates and with limited check writing ability.

Commercial Savings

An interest-bearing account allows your money to work for you while maintaining access to liquidity.

Nonprofit Banking Services

A suite of services created to help maintain and manage your organizations unique banking needs.

Learn More

Which account is best for me?

Central Bank & Trust offers a broad menu of both interest-bearing and non-interest-bearing commercial checking accounts, along with a range of services for commercial saving. Let us help you select the option best-suited to your business needs and style.

  • Accounts
    & Features
  • Minimum
    balance to
    open
  • Minimum
    daily collected balance**
  • Monthly
    Service Fee

    (If balance falls below minimum)
  • Account Features

    (Could be subject to approval)
  • Other Monthly Features
  • Excessive Activity Fees
  • Basic Commercial Checking
  • $100
  • $2,000**
  • $11
  • Free debit card

    Free online banking

    Free telephone banking

    Free mobile banking

    Free online bill pay
  • 75 free items per month
  • $.20/each item over 75
  • Advanced Commercial Checking
  • $200
  • $15,000*
  • $15
  • Free debit card

    Free online banking

    Free telephone banking

    Free mobile banking

    Free online bill pay
  • 350 free items per month
  • $.25/each item over 350
  • Interest Commercial Checking
  • $500
  • $500
  • $11
  • Free debit card

    Free online banking

    Free telephone banking

    Free mobile banking

    Free online bill pay
  • 75 free debit items

    12 free credit items

    50 free deposited items

    25 free ACH debits

    12 free ACH credits
  • $.30/debit over 75 items

    $.25/credit over 12 items

    $.15/items deposited over 50 items

    $.30/ACH debit over 25 items

    $.25/ACH credit over 12 items
  • Investment
    Money Market
  • $1,000
  • $5,000**
  • $11
  • Free debit card

    Free online banking

    Free telephone banking

    Free mobile banking

    Free online bill pay
  • 6 free debit items
  • $10/debit over 6 items
  • Commercial
    Savings
  • $100
  • $100
  • $6
  • Free telephone banking

    Free mobile banking

    Free online bill pay
  • 6 free debit items
  • $1.50/debit over 6 items

* Average daily collected balance
** Minimum daily collected balance of $1,000 to obtain APY.