Personal Banking

We are proud to offer a range of personal banking options and loans designed with our unique customers in mind. From checking to savings, to convenient services, we’re ready to help you achieve your personal financial goals.

Ready to open an account?

Call us today

Personal Banking Services

Our bankers work with you to tailor our services to best fit your personal financial needs. Contact our team today to learn more.

Mortgage Loans

Whether buying or refinancing, we offer a variety of mortgage options through our affiliate, CB&T Mortgage.

First Time Homebuyer
FHA Loans & VA Loans
Conventional or Jumbo Loans
Home Refinance

Personal Banking Accounts

Personal Checking

This account offers flexibility, low fees and lots of free features. It’s your money — make it count.

Interest Checking

This account offers competitive interest rates with flexibility. Get rewarded for maintaining a higher balance.

Investment Money Market

For the person who wants competitive interest rates and enjoys earning rewards for maintaining higher balances.

Personal Savings

Build your savings with an account that offers a low-opening balance, minimal fees and control over your money.

CDs

With a choice of terms, this account compounds either daily or quarterly and offers higher competitive rates.

Customer Information Form

Ready to get started with your new account? Click on the button below to download our Customer Information Form.

Download Form

Which account is best for me?

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

Download the chart

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

Personal
Checking
$100
$500
$8
Free debit card

Free online banking

Free online bill pay

Free telephone banking

Free mobile banking
Unlimited
check writing
None

Interest
Checking
$100
500*
$11
Free debit card

Free online banking

Free online bill pay

Free telephone banking

Free mobile banking
75 free debit items

12 free credit items

50 free deposited items
$.30/debit over 75 items

$.25/credit over 12 items

$.15/item deposited over 50 items

Investment Money
Market
$1,000
$5,000
$11
Free debit card

Free online banking

Free online bill pay

Free telephone banking

Free mobile banking
6 free debit items
$10.00/debit over 6 items

Personal
Savings
$100
$100
$6
Free online banking

Free telephone banking

Free mobile banking
6 free debit items
$1.50/debit over 6 items

CDs
Various
--
None
30 day, 90 day

6 month, 12 month, 18 month

2 year, 3 year, 4 year & 5 year
Please consult a bank
representative for current
rates and terms
--

* Minimum daily collected balance to obtain APY.