Citizens Bank and Trust Company
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Personal Checking
Checking With You in Mind!

  • Detailed monthly statement with images of checks and deposits
  • Direct deposit available
  • ATM/Debit card available
  • Dial A Bank 24 hour telephone banking
  • $50 minimum opening deposit
  • Automatic transfers
  • No service charge with minimum daily balance of $500

Club 50
A Checking Account With All the Extras!

  • $100 minimum opening deposit
  • First order of special member checks imprinted with your name and address FREE!
  • Unlimited checking
  • Interest on checking
  • Direct deposit of Social Security, pension and payroll checks
  • Discount brokerage service (not an FDIC-insured bank product)
  • Free cash card
  • Free notary service
  • Emergency cash advance service at any CB&T office or at an Honor, Cirrus or Pulse ATM with your CB&T Cash Card or CB&T MasterCard
  • $100,000 common carrier AD&D insurance
  • Credit, debit or ATM cards are protected by one quick toll-free phone call to cancel an old card and request a prompt replacement
  • Key ring registration
  • Travel discounts through the Premier Hotel Savings Book
  • Travel rewards program when you use our exclusive travel reservation service
  • Bargain prices at your favorite theme park and movie theatres across the country

Club 50 Gold
The Ultimate Checking Account

All the Club 50 benefits plus:

  • Interest on checking with $1500 minimum daily balance
  • Personalized checks at no extra cost
  • Unlimited check writing with no per check charges
  • Free Travelers Checks
  • No annual fee MasterCard or VISA (must be 62 years of age or older)
  • No annual fee for your personal safe deposit box
  • $10,000 Accidental Death & Dismemberment Insurance
  • $150,000 Accidental Death & Dismemberment Insurance when traveling as a passenger on a plane, cab, train, bus or other for hire vehicle
  • $1,000 Grandchild Accidental Death and Dismemberment Insurance
  • Custom Trip Routing with Rand McNally
  • Save 10%-60% on eyeglasses, contact lenses and non-prescription sunglasses with Vision Care through Coast to Coast Vision
  • Save 10%-50% on most prescriptions at 45,000 pharmacies nationwide with our Local Pharmacy Card
  • Keep your health information handy with your own Medical ID Card
  • Get valuable coupons for over 1,000 brand name items to use at any grocery store with NO expiration date
  • 90-Day Satisfaction Guarantee will refund your $5.00 monthly membership fee and convert your account to the basic Club 50 Membership if you are not completely happy

Note: To open a Club 50 or Club 50 Gold account you must be 50 years of age or older.

NOW Account
The Progressive Checking Account!

  • $1,500 minimum opening deposit
  • $1,500 minimum balance required to avoid service charge
  • Interest compounded monthly
  • Direct deposit available
  • Dial A Bank 24 hour telephone banking
  • Detailed monthly statement with images of checks and deposits
  • ATM/Debit card

Super NOW
The Premium Checking Account!

  • $5,000 minimum opening deposit
  • $5,000 minimum balance required to avoid service charge
  • Interest compounded monthly
  • Direct deposit available
  • Dial A Bank 24 hour telephone banking
  • Detailed monthly statement with images of checks and deposits
  • ATM/Debit card

IMMA Personal
The best for your money!

  • $1,000 minimum opening deposit
  • $1,000 minimum balance required to avoid service charge
  • Interest compounded monthly
  • ATM/Debit card available
  • Direct deposit available
  • Dial A Bank 24 hour telephone banking
  • Detailed monthly statement with images of checks and deposits

Student Checking
What every student needs!

  • No monthly minimum balance requirement
  • Detailed monthly statement with images of checks and deposits
  • Direct deposit available
  • ATM/Debit card available
  • Dial A Bank 24 hour telephone banking
  • Non-interest bearing

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