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Personal Banking

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?

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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

Have questions? Contact one of our loan officers today.

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Online & Mobile Banking

Online & Mobile Banking

Enroll for online banking to access your accounts anytime, right from your desktop. Always on the go? Try our simple, easy to use mobile banking app.

Learn More

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.

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
  • Account
    Features
  • Other
    Monthly
    Features
  • Excessive
    Activity Fees
  • Small
    Business
    Checking
  • $100
  • $500
  • $8
  • Free debit card

    Free online banking

    Free online bill pay

    Free telephone banking

    Free mobile banking
  • Unlimited
    check writing
  • None
  • Regular
    Commercial
    Checking
  • None
  • None
  • No minimum

    $7 monthly maintenance fee
  • Free debit card

    Free online banking

    Free online bill pay

    Free telephone banking

    Free mobile banking
  • $.13/each debit item

    $.13/each deposit

    $.075/each item deposited
  • None
  • Basic
    Commercial
    Checking
  • None
  • $2,000
  • $11 monthly maintenance fee
  • Free debit card

    Free online banking

    Free online bill pay

    Free telephone banking

    Free mobile banking
  • 50 free items per month
  • $.20/each item over 50
  • Interest
    Checking
    Business
  • $500
  • $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

    25 free ACH deposits

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

    $.25/credit over 12 items

    $.15/credit over 12 items

    $.30/ACH debit over 25 items

    $.25/ACH credit over 12 items
  • Investment
    Plus
    Business
  • $1,000
  • $1,000
  • $11
  • Free debit card

    Free online banking

    Free online bill pay

    Free telephone banking

    Free mobile banking
  • 6 free debit items
  • $10/debit 
over 6 items
  • Money
    Market
    Business
  • $10,000
  • $5,000
  • $11
  • Free debit card

    Free online banking

    Free online bill pay

    Free telephone banking

    Free mobile banking
  • 6 free debit items

    10 free credit items

    50 free deposited items
  • $.25/credit over 10 items

    $.15/item deposited over 50 items

    $10/debit over 6 items
  • Commercial
    Savings
  • $100
  • $100
  • $6
  • Free telephone banking

    Free online banking

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

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

Please Note

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