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Personal Banking

At Community Bank & Trust, we're here to help you get more out of life. Whether you're choosing Checking or Savings, Community Bank & Trust makes it easy to manage your Banking.

Check out all of the different personal checking accounts and personal savings plans we offer at both of our convenient locations.

Personal Accounts - Community Bank & Trust-WGA

Kasasa Cash® Checking  

Enjoy interest checking.

  • Checking that pays high interest 
  • 3.56% APY* on balances as much as $15,000  
  • 0.50% APY on balances over $15,000 depending on the account’s daily balance *
  • 0.05% APY* on all balances if qualifications aren't met  
  • Link to Kasasa Saver® to build savings
  • No minimum balance to earn interest
  • No monthly maintenance fee  
  • $100 minimum deposit to open  
  • Access to Zelle 
Qualifications to Earn Rewards  
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:  
 
  • At least 12 debit card purchases 
  • At least (1) one direct deposit
  • Be enrolled in and agree to receive eStatements 
  • Be enrolled in and log into Online Banking

 Kasasa Cash Back® Checking   

   Choose this checking account that pays cash back on debit card purchases.  

  • Checking that pays you back  
  • Get 3.00% cash back on debit card purchases^   
  • Earn as much as $108 cash back per year, $9 per month^  
  • Link to Kasasa Saver® to build savings
  • No minimum balance to earn rewards 
  • No monthly maintenance fee  
  • $100 minimum deposit to open  
  • Access to Zelle

Qualifications to Earn Cash Back 
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash Back® account during each Monthly Qualification Cycle: 
  

  • At least 12 debit card purchases 
  • At least (1) one direct deposit
  • Be enrolled in and agree to receive e-Statements
  • Be enrolled in and log into Online Banking

 
And if you don’t meet these qualifications, don’t worry, you can get right back to earning your cash back rewards the very next cycle that you qualify.  

Rates, rewards, and bonuses, if any, are variable and may change after an account is opened; rates may change without notice to you. No minimum balance I required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed.

Please contact one of our Personal Bankers for more detailed information by visiting one of our convenient branch locations, or by calling 866 902-2265

 

Kasasa Saver® for Kasasa Cash ®

  Link this account to your Kasasa Cash ® checking — and build savings  while earning high interest. 

  • Checking account that builds your savings effortlessly 
  • Links to Kasasa Cash® checking 
  • Link to Automatic transfers of Kasasa Cash® earnings 
  • 3.56% APY on balances as much as $50,000 
  • 0.50% APY on balances over $50,000 depending on balance in account
  • 0.05% APY on all balances if qualifications are not met in Kasasa Cash® 
  • No monthly maintenance fee 
  • No minimum balance to earn interest
  • $100 minimum deposit to open 

Qualifications to Earn Interest for Kasasa Cash®

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash ® account during each Monthly Qualification Cycle: 

  • At least 12 debit card purchases 
  • At least (1) one direct deposit
  • Be enrolled in and agree to receive e-Statements
  • Be enrolled in and log into Online Banking

 And if you don’t meet these qualifications, don’t worry, you can get right back to earning your cash rewards the very next cycle that you qualify.  

Qualifications to Earn the Higher Rate 

Qualifying for your Kasasa Cash® rewards automatically qualifies you for the highest Kasasa Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® account during each Monthly Qualification Cycle.


Kasasa Saver® for Kasasa Cash Back®

Link this account to your Kasasa Cash Back ® checking — and build savings while earning high interest. 

  • Checking account that builds your savings effortlessly 
  • Links to Kasasa Cash Back® checking 
  • Link to Automatic transfers of Kasasa Cash Back® earnings 
  • 3.56% APY on balances as much as $50,000 
  • 0.50% APY on balances over $50,000 depending on the account’s daily balance*
  • 0.05% APY on all balances if qualifications are not met in Kasasa Cash Back® 
  • No monthly maintenance fee 
  • No minimum balance to earn interest
  • $100 minimum deposit to open 
  • Access to Zelle

Qualifications to Earn the Higher Rate
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash Back ® account during each Monthly Qualification Cycle: 

  • At least 12 debit card purchases 
  • At least (1) one direct deposit
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in and log into Online Banking

And if you don’t meet these qualifications, don’t worry, you can get right back to earning your cash back rewards the very next cycle that you qualify.  

*APY calculations are based on an assumed balance in your Kasasa Saver account and assumed statement cycle of (31) days.

Rates, rewards, and bonuses, if any, are variable and may change after an account is opened; rates may change without notice to you. No minimum balance I required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed.

Please contact one of our Personal Bankers for more information by visiting on of our convenient branch locations, or by calling 866 902-2265.


Money Market Account
Combines checking account flexibility with premium interest rates! Ask any of our staff members for current rates and Annual Percentage Yields (APY).
  • Minimum to open $100
  • Earn competitive money market rates on daily balances. Interest is paid monthly
  • Monthly statements are provided
  • Ask for complete details about account transfers made in person at the teller window.
Regular Savings

Money Magic
Savings program for children 14 and under
  • Now you can help children learn the value of good savings habits with their very own Money Magic Savings Account. Our Money Magic Savings Accounts are available to children 14 years of age and younger. The Account can be opened and begin earning interest with a $25 deposit. 

Christmas Club
Weekly deposits to your Christmas Club Account earn a competitive rate of interest and help with your holiday purchases. Minimum to open your account is $25.00. Checks are mailed in early November each year.

Certificates of Deposit
WE OFFER CERTIFICATES DESIGNED FOR EVERY SAVINGS BUDGET:
  • Minimum deposit required to purchase a Certificate of Deposit is $500
  • Maturities range from 6 months to 5 years (60 months)
  • Earn competitive market rates of interest and automatically renew
  • Interest can be paid monthly, quarterly, annually or at maturity
  • There is a penalty for early withdrawal.
For complete details on a specific time deposit or for current interest rate and annual percentage yields (APY), please speak with one of our Customer Service Representatives.

Individual Retirement Accounts
A great way for planning your retirement! An IRA may provide you with tax benefits needed during your income-producing years while establishing an additional “nest egg” for your golden years. Funds are invested in certificates of deposit, which are continually renewed at current competitive market rates during the life of your account. We will be happy to supply additional details, but you may want to consult with your tax advisor for complete tax benefits of an Individual Retirement Account.

*QUALIFICATIONS TO EARN INTEREST FOR KASASA CASH®

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash ® account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases

  • At least (1) one direct deposit

  • Be enrolled in and agree to receive e-Statements

  • Be enrolled in and log into Online Banking

    And if you don’t meet these qualifications don’t worry, you can get right back to earning your cash back rewards the very next cycle that you qualify.

QUALIFICATIONS TO EARN THE HIGHER RATE

Qualifying for your Kasasa Cash® rewards automatically qualifies you for the highest Kasasa Saver rate, too.


* APY calculations are based on an assumed balance in your Kasasa Saver account and assumed statement cycle of (31) days.

Rates, rewards, and bonuses, if any, are variable and may change after an account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed.


**QUALIFICATIONS TO EARN CASH BACK


Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash Back® account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases

  • At least (1) one direct deposit

  • Be enrolled in and agree to receive e-Statements

  • Be enrolled in and log into Online Banking

    And if you don’t meet these qualifications don’t worry, you can get right back to earning your cash back rewards the very next cycle that you qualify.

    QUALIFICATIONS TO EARN THE HIGHER RATE

    Qualifying for your Kasasa Cash Back® rewards automatically qualifies you for the highest Kasasa Saver rate, too.


    * APY calculations are based on an assumed balance in your Kasasa Saver account and assumed statement cycle of (31) days.

    Rates, rewards, and bonuses, if any, are variable and may change after an account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed.




 

 
 








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Business Banking

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No matter what your needs might be, we have a checking account to meet them.