Personal Checking

We'll help you select a checking account that can help build your finances while meeting your specific needs. Community Trust Bank gladly provides convenient options and benefits for these specialized checking accounts. Some options and benefits include: avoiding a low monthly service fee when a low minimum balance is maintained, FREE ATM or FlexCard (debit card), and access to convenient 24-hour banking with every personal checking account through our 24-hour Convenience Line or Internet Banking with bill payment option. Read on to learn about the advantages of banking at your hometown bank: Community Trust Bank.

Unlimited Checking

• No monthly service fee with $500 minimum daily balance.
• Unlimited check writing.
• Bonus Pack option.
• FREE Flex ATM/Debit Card.
• Monthly Image Statement.

CTB 55± Club Checking

• Just $300 minimum balance
  (You will avoid the monthly service fee when you keep a $300 minimum daily ledger balance or minimum daily ledger balance of $5,000 in any combination of Community Trust savings, money market, certificate of deposit or IRA accounts. Your account may be opened with a minimum of $100).
• Unlimited check writing.
• Traveler's checks, cashier's checks.
• $10,000 Accidental Death & Dismemberment Insurance.
• Membership card with ID.
• FREE $10 savings account for each newborn grandchild.
• Travel and merchant discounts.
• Special seminars.
• FREE Flex ATM/Debit card and transactions at Community Trust ATMs.
• Monthly Image Statement.

Free Checking

• Unlimited check writing.
• FREE Flex ATM/Debit Card.
• First 50 duplicate checks FREE.
• No minimum balance.
• No monthly maintenance fee.
• Unlimited ATM transactions at any Community Trust Bank ATM.
• Unlimited deposits.
• Monthly statement.
• Only $100 to open.

Electronic Transfer Account (ETA^SM)
(This personal account requires an electronic Federal Benefit payment. It is available to any individual receiving a Federal Payment.)

• Minimum of one direct deposit of a Federal benefit, wage, salary or retirement payment.
• Over-the-counter and FlexCard transactions only.
• No minimum balance requirement, monthly service fee of $3.00.

Easy Interest Checking

• Earn interest, with a minimum balance of $1,000.
• No monthly service fee with $1,000 minimum daily balance in this account, or minimum daily balance of $5,000 in any combination of Community Trust savings, money market, certificate of deposit or individual retirement accounts.
• Tiered variable interest rate - the higher your balance, the higher your interest rate.
• FREE cashier's checks.
• No annual fee for one year on Community Trust credit line.
• FREE Flex ATM/Debit Card.
• Monthly Image Statement.

Prime Interest Checking

• Earn interest, with a minimum daily balance of $2,500.
• No monthly service fee with $2,500 minimum daily balance in this account, or minimum daily balance of $25,000 in any combination of Community Trust savings, money market, certificate of deposit or individual retirement accounts.
• Interest rate indexed to the Prime Rate; rate adjusted next day after Prime Rate changes. Rate also tiered to account balance; the higher your balance, the higher your interest rate.
• FREE one-year rental on small safe-deposit box (subject to availability).
• No annual fee for one year on Community Trust credit line.
• FREE cashier's checks and traveler's checks.
• FREE Flex ATM/Debit Card.
• Monthly Image Statement.

CTB 55± Club Interest Checking
All of CTB 55± checking services and additional benefits in an Interest Bearing Account

• Just a $1,000 minimum balance.
  (You may open an account, and earn interest, with a minimum of $1,000. When you keep a $1,000 minimum daily ledger balance or minimum daily ledger balance of $5,000 in any combination of Community Trust savings, money market, certificate of deposit or IRA accounts, you will avoid the monthly service fee).
• Interest compounded and paid monthly. Enjoy tiered interest rates, the higher your balance, the higher the yield. Interest rates may vary.
• Unlimited check writing.
• Traveler's checks, cashier's checks.
• First order of personalized checks FREE.
• $10,000 Accidental Death & Dismemberment Insurance.
• Membership card with ID.
• FREE $10 savings account for each newborn grandchild.
• Travel and merchant discounts.
• Special seminars.
• FREE Flex ATM/Debit card and transactions at Community Trust ATMs.
• Monthly Image Statement.