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Account Type	Minimum Opening Deposit	Service Charge	Interest Bearing
CBT Simple Checking more»	$100	$2.00/monthly	No
CBT Simple Checking This account is designed for individuals who want to enjoy the convenience of electronic banking and also the flexibility of writing checks. Simplify your life with a CBT Simple Checking account. Benefits and Features Debit Card eCBT Online Banking eCBT Bill Payment View check images online Sign up for Direct Deposit for your Social Security or payroll checks, and you won't have to worry about lost, stolen or undelivered checks. Minimum opening deposit of $100 Monthly service charge of $2.00 This account is designed for minimal check writing; you will be charged $0.50 per check written. Apply here for a CBT Simple Checking Account.
CBT Student Checking more»	$100	None	No
CBT Student Checking If you are a student, we want to help you to succeed! CBT offers a checking account to students at no charge, as long as you remain a full-time student. Benefits and Features Debit Card eCBT Online Banking eCBT Bill Payment View check images online Sign up for Direct Deposit for your Social Security or payroll checks, and you won't have to worry about lost, stolen or undelivered checks. No monthly service charge Minimum opening deposit of $100 To qualify for this account you must be a full time student (12 credit hours or more). Student must provide bank with current school I.D. each semester to verify full time student status. Apply here for a CBT Student Checking Account.
CBT Cents-ible Checking more»	$100	$6.00/monthly	No
CBT Cents-ible Checking This is the perfect CBT account for anyone wanting the ability to write an unlimited amount of checks. Benefits and Features Unlimited Check Writing Debit Card eCBT Online Banking eCBT Bill Payment View check images online Sign up for Direct Deposit for your Social Security or payroll checks, and you won't have to worry about lost, stolen or undelivered checks. Minimum opening deposit of $100 Monthly service charge of $ 6.00 Apply here for a CBT Cents-ible Checking Account.
CBT Cents-ible Plus Checking more»	$100	$8.00/monthly if daily balance drops below $800	No
CBT Cents-ible Plus Checking This account offers all the features and benefits of the Cents-ible Checking. Plus, you will receive images of your checks on your monthly statement. If you maintain a daily balance of $800 or more, there is no monthly service charge. Benefits and Features Unlimited Check Writing Debit Card eCBT Online Banking eCBT Bill Payment View check images online Sign up for Direct Deposit for your Social Security or payroll checks, and you won't have to worry about lost, stolen or undelivered checks. Check images provided on monthly bank statement Minimum Opening Deposit of $100 If minimum daily balance is above $800, there is no monthly service charge. If daily balance goes below $800, your monthly service charge will be $8.00. Apply here for a CBT Cents-ible Plus Checking Account.
CBT Premier Checking (55 years+) more»	$100	None	No
CBT Premier Checking (55 years+) If you are 55 years or older, CBT offers you a checking account at no charge with many great benefits. Benefits and Features Debit Card eCBT Online Banking eCBT Bill Payment View check images online Sign up for Direct Deposit for your Social Security or payroll checks, and you won't have to worry about lost, stolen or undelivered checks. No monthly service charge Unlimited check writing Two boxes of CBT specialty checks per year at no charge Minimum opening deposit of $100 Apply here for a CBT Premier Checking Account.
CBT Premier Plus Checking (55 years+) more»	$100	$6.00/monthly	No
CBT Premier Plus Checking (55 years+) If you want all the benefits of our premier account and images of your checks on your monthly statement, this is the account for you! Benefits and Features Debit Card eCBT Online Banking eCBT Bill Payment View check images online Sign up for Direct Deposit for your Social Security or payroll checks, and you won't have to worry about lost, stolen or undelivered checks. Check Images provided on monthly bank statement Unlimited Check Writing Two boxes of CBT specialty checks per year at no charge Minimum Opening Deposit of $100 Monthly service charge of $ 6.00 Apply here for a CBT Premier Plus Checking.
NOW Checking more»	$1,000	$11.00/monthly if daily balance drops below $1,000	Yes
NOW Checking Our NOW Accounts offer all the features of a CBT checking account with the added benefit of earning interest on your funds. If you maintain a daily balance greater than $1,000, this could be the account for you. Benefits and Features Debit Card eCBT Online Banking eCBT Bill Payment View check images online Sign up for Direct Deposit for your Social Security or payroll checks, and you won't have to worry about lost, stolen or undelivered checks. Check Images provided on monthly bank statement Unlimited Check Writing Minimum Opening Deposit of $1,000 See our current deposit rates. If minimum daily balance is above $1,000 there is no monthly service charge. If daily balance goes below $1,000 your monthly service charge will be $11.00 . There is no minimum daily balance requirement to obtain the disclosed annual percentage yield. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. Apply here for a NOW Checking Account.
Money Market Checking more»	$2,500	$7.50/monthly if daily balance drops below $2,500	Yes
Money Market Checking With a CBT Money Market Account, you can access your funds through a checking account and earn a higher rate of interest than the NOW Account. The number of monthly transactions allowed on this account is limited. Benefits and Features eCBT Online Banking View check images online Sign up for Direct Deposit for your Social Security or payroll checks, and you won't have to worry about lost, stolen or undelivered checks. Check Images provided on monthly bank statement Minimum opening deposit of $2,500 See our current deposit rates Unlimited face to face transfers between CBT accounts Transactions are limited to six preauthorized transactions per monthly statement cycle, three of which may be a check. A service charge of $7.50 per item will be assessed for transactions that exceed these limits. If minimum daily balance is above $2,500, there is no monthly service charge. If daily balance goes below $2,500, you will be charged a monthly service charge of $7.50. There is no minimum daily balance requirement to obtain the disclosed annual percentage yield. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. Apply here for a CBT Money Market Account.

* All Fees Subject to Applicable Sales Tax

The following documentation is needed to open a Personal Account:

• Valid Drivers License
• Social Security Number
• Proof of Physical Address

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