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 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.


Unlimited Checking

  • No monthly maintenance fee with $500 minimum daily ledger balance
  • Unlimited check writing
  • FREE Flex ATM/Debit card and transactions at Community Trust Bank ATMs 
  • Monthly Image Statement
  • Bonus Pack option:
    • Accidental Death Insurance
    • Payment Card Protection
    • Purchase Protection and Extended Warranty
    • Key Ring Protection
    • MyIDMattersSM
    • Medical Emergency Data Card
    • Savers Club®
    • Discount Shopping Service
    • Rx Advantage™ Prescription Drug Program

CTB 55 Plus Club Checking

  • Available to individuals age 50 years and older
  • Only $100 to open
  • No monthly maintenance fee with $300 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
  • Unlimited check writing
  • No issue fee for cashier's checks and traveler's checks
  • $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.


Free Checking

  • Only $100 to open
  • No monthly maintenance fee
  • No minimum balance
  • Unlimited check writing
  • First 20 checks FREE
  • Unlimited deposits
  • FREE Flex ATM/Debit card and transactions at Community Trust Bank ATMs
  • Monthly statement


Electronic Transfer Account (ETA SM )

  • Account available to individuals receiving Federal benefit payments
  • Minimum of one direct deposit per month of a Federal benefit, wage, salary, or retirement payment is required
  • Over-the-counter and ATM card transactions only
  • No minimum balance requirement
  • Monthly maintenance fee of $3.00

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