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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. Safely access your accounts by downloading CBT's Mobile Banking App.


Go Checking

An interest earning checking built to give you the ultimate digital experience while growing your money.

  • Earn 3.00% APY¹
  • Utilizes all our mobile and online banking features
  • Amped up security
Minimum Balance for APY1 APY1 Minimum to Open1
$0.01 - $10,000.00 3.00% $100.00

¹Annual Percentage Yield. Rate may change after the account is opened. APY accurate as of October 13, 2021, and is not an introductory rate. Opening deposit requirement of $100. APY is for balances up for $10,000. An interest rate of 2.96% will be paid only for that portion of your daily balance that is $10,000 or less. The APY for this tier will be 3.00%. An interest rate of .10% will be paid only for that portion of your daily balance that is greater than $10,000. The APY range for this tier will be 3.00% to 0.33%. Regardless of your balance, if you do not meet the requirements listed, the interest rate and APY will be 0.01%. Limit of one GO account per TIN.

Maxx 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.

  • Earn 2.22% APY*
  • No monthly service charge
  • Refunds up to $20 a month in other bank's ATM fees

Minimum Balance for APY1 APY1 Minimum to Open1
$0.01 - $25,000.00 2.22% $50.00

* Annual percentage yield. Rate may change after account opening. APY is accurate as of July 29, 2021, and is for daily balances up to $25,000. It is not an introductory rate. To obtain premium APY and ATM refunds, you must have an opening deposit of $50, meet required 15 Visa Check Card credit-based transactions posted per statement cycle, receive your monthly statement via eStatements with a valid email address, enroll in Online Banking, and set up minimum of one direct deposit or direct debit. An interest rate of 2.20% will be paid only for that portion of your daily balance that is $25,000 or less. The APY for this tier will be 2.22%. An interest rate of .25% will be paid only for that portion of your daily balance that is greater than $25,000.01. The APY range for this tier will be 2.22% to .54%. If your daily balance is $25,000 or less and you have not met the account requirements, the interest rate and annual percentage yield paid on your balance will be .10% APY. If your daily balance is $25,000.01 or more and you have not met the account requirements, the interest paid on the balance will be .01% with an annual percentage yield range of .10% to .02%.

Free Checking

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

  • No minimum balance requirement
  • No monthly maintenance charge
  • Debit card w/ first 6 ATM transactions/month free*

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

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.

  • Parent(s) can monitor account and advise teen as a required joint owner
  • Gain debit card responsibility with the protection of a lower-limit Visa debit card.
  • Earn cash rewards for celebrating milestones such a birthday, driver's license, and diploma!*



*Reported as interest income on a 1099-INT. Deposit will not be immediate. Deposit will be made into the account at the end of the month in which we receive your voucher or milestone proof. Offer expires after 30 calendar days of your birthday or milestone.

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!

  • Debit card w/ unlimited ATM withdrawals
  • Free Royal Club checks
  • Free cashier checks and money orders*

*Combined limit of 6 cashier checks & money orders per month

No matter what your unique financial situation, Community Bank & Trust has a variety of savings options custom fit to suit you. 


Steady Savings

A savings account with unlimited on-site withdrawals.

  • $100 minimum opening balance
  • ATM card w/ first 6 transactions/month free
  • Variable interest rate



    Minimum Balance for APY1 APY1 Minimum to Open1
    $200.00 - $9,999.00 0.01% $100.00

    $2/mo service fee if fail to maintain $200 average daily balance $1.50 fee on all transactions at non-bank owned ATMs

    Piggy Banker Savings

    Baby or Child's First Savings Account! Get $5 vouchers for your birthday and a card from all our friendly tellers

    • Available to those up to age 18
    • Birthday cards with $5 Vouchers and a free CBT piggy bank
    • Fun Kids Club activities

    Future Fund

    A savings account designed for building funds for a specific future use

      • No minimum balance requirement
      • 1 withdrawal permitted per calendar year
      • Variable interest rate

      Flex Investor

      A high yielding savings option with check writing ability

      Minimum Balance for APY1 APY1 Minimum to Open1
      $1,000.00 - $199,999.99 0.05% $1,000.00

      A low-risk savings tool built to grow and protect your money


      13 Month No Penalty Savings CD Special

      A great way to have your money work for you, without the commitment. 

      • A short team CD without the commitment
      • Withdrawal your funds with no penalty
      • Market competitive rate
      Minimum Balance for APY1 APY1 Minimum to Open1
      $500.00 - $99,999.00 0.45% $500.00

      Annual Percentage Yield effective as of November 1, 2021.  No partial withdrawals. CD needs to be open 7 business days prior to closing the CD. Minimum of $500 required to earn 0.45% APY. Checking relationship required. Institutional/business funds not eligible. Limit one consumer CD special per Tax Identification Number.

      Options For Your Everyday Banking Needs


      Money Market

      An interest earning, tiered rate account with limited check writing privileges and market-leading rate

      • $1,000 average daily balance requirement
      • Six withdrawals free per month
      • Variable interest
      Minimum Balance for APY1 APY1 Minimum to Open1
      $1,000.00 - $124,999.99 0.01% $1,000.00

      $5/mo service fee if fail to maintain $1,000 average daily balance