Community Bank & Trust makes managing your money even easier. Personalized options, responsive service and knowledgeable employees guarantee you've found a better way to bank. With a variety of checking account options, you have the freedom to choose an account that fits both your lifestyle and your financial needs. 


NEW! GO Checking

Finally an account that moves as quickly as you do

  • Earn 3.00% APY¹
  • Utilizes all our mobile and online banking features
  • Amped up security


NEW! Step Up Teen Checking

Designed to give teens ages 13-17 years old the tools they need to "step up" and become more financially savvy and independent.


Free Checking

A checking account with no minimum balance requirement or monthly service fees.

  • $100 minimum opening balance
  • No minimum balance requirement
  • No monthly maintenance charge
  • Debit card w/ first 6 ATM transactions/month free*
  • Access to Shazam's Privileged Status Network
  • Free online banking, bill pay & eStatement

*$1.50 fee applies to non-bank owned ATM transactions in excess of 6 per month

M@XX Checking

A free checking account that rewards clients with a market-leading rate and refunds on all other bank's ATM fees up to $20/month.

  • $50 minimum opening balance
  • No minimum balance requirement
  • No monthly service charge
  • Free debit card and first box of CBT checks
  • Free online banking, bill pay & eStatements
  • Variable interest earnings
  • Refunds up to $20 a month in other bank's ATM fees


Royal Club Checking

You'll be treated like royalty when you to become a member of our Royal Club! Join us for gatherings of Bingo, seminars and more!

  • $100 minimum opening balance
  • Debit card w/ unlimited ATM withdrawals
  • Free online banking, bill pay & eStatements
  • Free Royal Club checks
  • Yields interest
  • Free safe deposit box for one year
  • Available to those age 50+


Switch your auto debits and accounts to a click!

With ClickSWITCH, you can smoothly transition your accounts to CBT! Click here for more information on ClickSWITCH!

Order Checks Online

Order checks online from our partner Harland Clarke. Or call toll-free at (800) 275.1053, 24 hours a day, 7 days a week.

Go Checking ¹A rate of 3.00% Annual Percentage Yield (APY) will be paid on balances up to $10,000.  To obtain 3.00% APY account must meet all the requirements listed below. An interest rate of .10% (with an APY ranging from 3.00% to .13%) will be paid on balances of $10,000.01 and greater if account requirements are met.  Account requirements to earn premium APY include: 10 Visa Check Card point-of-sale transactions* posted per statement cycle with a minimum combined transaction amount totaling $100, enroll in on line banking, receive eStatements with valid email address, set up a direct deposit or auto-payment minimum of $250 cumulative per statement cycle, and download the mobile banking app. A rate of .01% Annual Percentage Yield will be paid on all account balances not meeting account requirements. A $5 monthly statement fee will be assessed on all accounts receiving a monthly paper statement and may reduce earnings.  *ATM transactions do not count towards the total. Rates effective as of 2/1/2021 and are subject to change at our discretion. Limit one GO checking or Maxx Checking account per Tax Identification Number. Fees may apply to account related services. Member FDIC