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Personal Banking

Personal Checking Accounts

  • Totally Free Checking
  • "Checking Plus"
  • Golden Apple Checking
  • Second Slice Checking
  • Heroes Checking
  • Money Market Accounts

Personal Savings Accounts

  • Savings Accounts
  • Money Magic Accounts
  • Christmas Club Accounts


Personal Checking Accounts

At Community Bank & Trust, we're here to help you get more out of life with our "Totally  Free Checking". With features ranging from no monthly service fee, no minimum balance, just Totally Free Checking! Community Bank & Trust has a checking account that's right for you.

Totally Free Checking

No fees, Unlimited Check Writing

  • Minimum to open $100
  • No monthly fee or per item charge
  • Debit Card
  • Unlimited check writing
  • E-statements or image statements provided
  • *  Free checks for students
  • Direct deposits accepted
  • Mobile Banking Apps

"Checking Plus"

Checking with Interest!

  • Minimum to open $100
  • Interest is paid monthly
  • Unlimited check writing
  • E-statements or image statements provided
  • Direct deposits accepted
  • Mobile Banking Apps

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Golden Apple Checking

A bargain for customers 50 and over!

  • Minimum to open $100
  • Free Golden Apple checks
  • E-statements or image statements provided
  • Mobile Banking Apps
  • No monthly fee or per item charge
  • Unlimited check writing
  • Direct deposits accepted
  • 50% discount on safe deposit boxes (subject to availability)

Second Slice Checking 

Second Chance Checking

  • Minimum to open $100
  • Unlimited check writing
  • Direct deposits accepted
  • ATM Card
  • Mobile Banking Apps
  • E-statements or image statements provided

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Heroes Checking

Available to members of the armed forces, both enlisted and reservists, and first responders, firemen, law enforcement and emergency personnel.

  • Minimum to open $100
  • Free personalized checks
  • E-statements or image statements provided
  • Debit Card
  • Direct deposits accepted
  • Unlimited check writing
  • No charge for Wire Transfers
  • No charge for Account Reconciliation and Research
  • Mobile Banking Apps
  • No monthly fee or per item charge

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
  • Federal regulation allows up to six (6) pre authorized transactions within the monthly cycle, and this includes electronic transfers, third party checks and other automated recurring withdrawals. Ask for complete details about account transfers made in person at the teller window.

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Personal Savings Plans

Savings Accounts

Are a great way to save for a  "rainy day."

  • Minimum to open $100
  • Accounts earn interest on balances of $100 or more and is paid quarterly
  • Quarterly statements are provided
  • Federal Regulation allows only six (6) telephone or electronic transfers in a 30 day period. In-person withdrawals are not limited.
  • Direct deposits, automatic debits for loan payments, and transfers to and from other Community Bank & Trust accounts may be made.

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Money Magic Accounts

Savings program for children 14 and under

  • Minimum to open $25
  • Child receives t-shirt once balance reaches $250
  • Child receives magic kit once balance reaches $500

Christmas Club Accounts

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.

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