Personal Checking Product Comparison

Flexible Checking 55+ Club Checking* Unlimited Checking ETA SM Account
Minimum to Open $100 $100 $100 No Minimum**
Maintenance Fees None $3.00
Avoid Maintenance Fees N/A Waived with $300 daily ledger balance or $5,000 in related accounts*** Waived with $500 daily ledger balance N/A
ATM/Debit Card

ATM Card Only
ATM Access****

Online Access
Available Upon Request

Online Bill Pay
Available Upon Request



* Available to individuals 50 years and older.
** Minimum of one direct deposit per month of a Federal benefit, wage, salary, or retirement payment is required.
*** Related Accounts include any combination of Community Trust savings, money market, certificate of deposit, or IRA accounts.
**** Transaction Limits/Activity Fee: Free CTB ATM Transactions, Non CTB ATM fee is $1.00 plus any fee charged by the ATM owner.

Visit your local branch for additional information about applicable terms and fees.