Interest Checking

We'll help you select an interest bearing 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 maintenance fee when a low minimum balance is maintained, FREE Flex ATM/Debit card, and access to convenient 24-hour banking with every personal checking account through our 24-hour Convenience Line, Mobile Banking, or Internet Banking with bill payment option. Read on to learn about the advantages of banking at your hometown bank: Community Trust Bank.


Easy Interest Checking

  • Earn interest with a minimum daily collected balance of $1,000
  • No monthly maintenance fee with $1,000 minimum daily ledger balance or $5,000 minimum daily ledger balance in any combination of Community Trust savings, money market, certificate of deposit or IRA accounts 
  • Tiered variable interest rate - the higher your balance, the higher your interest rate
  • No issue fee for cashier's checks
  • FREE Flex ATM/Debit card and transactions at Community Trust Bank ATMs 
  • Monthly Image Statement 


Prime Interest Checking

  • Earn interest with a minimum daily collected balance of $2,500
  • No monthly maintenance fee with $2,500 minimum daily ledger balance or $25,000 minimum daily ledger balance in any combination of Community Trust savings, money market, certificate of deposit or IRA 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
  • No issue fee for cashier's checks and traveler's checks 
  • FREE Flex ATM/Debit card and transactions at Community Trust Bank ATMs 
  • Monthly Image Statement 


CTB 55 Plus Club Interest Checking

  • Available to individuals age 50 years and older
  • All of CTB 55 Plus checking services and additional benefits in an Interest Bearing Account
  • Earn interest with a minimum daily collected balance of $1,000
  • No monthly maintenance fee with $1,000 minimum daily ledger balance or $5,000 minimum daily ledger balance in any combination of Community Trust savings, money market, certificate of deposit or IRA accounts 
  • Interest compounded and paid monthly; tiered variable interest rates (the higher your balance, the higher your interest rate)
  • Unlimited check writing
  • No issue fee for cashier's checks
  • First order of personalized checks FREE
  • $10,000 Accidental Death & Dismemberment Insurance*
  • FREE $10 savings account for each newborn grandchild 
  • Travel and merchant discounts
  • Special seminars
  • FREE Flex ATM/Debit card and transactions at Community Trust Bank ATMs 
  • Monthly Image Statement
  • Payment Card Protection
  • MyIDMattersSM
*Note: Insurance is subject to policy eligibility, terms and exclusions. It is not insured by the FDIC or any other Federal government agency. This is not a bank guarantee, and it is not a deposit.

Visit your local branch for additional information about applicable terms and fees and current interest rates and annual percentage yields.