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Personal Checking Accounts-Community Bank & Trust-WGA

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

Personal  Accounts-Community Bank & Trust-Alabama

  • Savings Accounts
  • Christmas Club Accounts
  • Personal Checking
  • Golden Apple Checking
  • Money Market Accounts
  • Certificates Of Deposit
  • IRA


Personal Checking Accounts-West Georgia

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-WGA makes it easy to manage your Banking.

 Personal Checking

 Unlimited Check Writing

  • Minimum to open $100
  • Statement Fee (waived for E-statement customers)
  • Debit Card
  • Unlimited check writing
  • E-statements or image statements provided
  • 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 55 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

Regular

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
  • Direct deposits, automatic debits for loan payments, and transfers to and from other Community Bank & Trust accounts may be made.
  • Savings accounts are limited to six transfers in a thirty-day period. In-person withdrawals are not limited.

 

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Money Magic

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

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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Personal Checking Accounts-Alabama

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

 Personal Checking

A $5.00 monthly service charge will be imposed every statement cycle if the average daily balance for the statement cycle falls below $2500.00

  • Minimum to open $100
  • Statement Fee (waived for E-statement customers)
  • Debit Card
  • Unlimited check writing
  • E-statements or image statements provided
  • Direct deposits accepted
  • Internet banking services

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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
  • Internet banking services
  • No monthly fee or per item charge
  • Unlimited check writing
  • Direct deposits accepted
  • 50% discount on safe deposit boxes (subject to availability)
  • Debit Card

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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-e statements or image statement
  • 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-Alabama

Regular

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-e statements or image statement
  • Savings accounts are limited to six transfers in a thirty-day period. In-person withdrawals are not limited. Up to 2 withdrawals are free. $2.00 fee for all others.

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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.

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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.

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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.

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Electronic Banking Services

www.RedAppleBank.com. Work Hard, Play Hard, Bank Easy. With RedAppleBank, you can get up-to-date information on all of your accounts with a click of a mouse, 24 hours a day. On-Line Banking and Bill Payments enable you to manage your finances on your own terms.

  • Bill Payment
  • Mobile Banking
  • eDocs-E Statements
  • Cash Management Services

 

 

24-Hour Telephone Banking

It’s ready when you are…24 hours a day. Anytime…Anyplace…1-866-854-2265. Use our 24-hour Telephone Banking Service to:

  • Inquire on balances
  • Know when your checks have cleared
  • Verify that direct deposits have been made

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Loans-Personal & Business

Community Bank & Trust-Ala offers a complete line of loans and is an Equal Housing Lender. Whatever you need, we’ve got the loan to fill it with competitive rates and repayment schedules designed to suit you. We have loans “For all Seasons”.

  • Automobile Loans
  • Mortgages
  • Personal Loans
  • Equity Lines of Credit
  • Personal Lines of Credit
  • Business Loans

Anything to help make your life more enjoyable, we can help. Stop in and let one of our friendly Loan Officers assist you.

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