Personal Checking

Community Trust Bank provides convenient options and benefits with all of our checking accounts including a Flex ATM/Debit card, unlimited deposit and withdrawals, Mobile Banking or Internet Banking with bill payment option, and more. Looking for something more from your checking account? Then one of our new Community Trust Advantage Checking accounts may be right for you! Community Trust Advantage Checking and Community Trust Advantage Plus Interest Checking accounts make it easier to protect your finances, save money on everyday purchases and get the most out of your account. Learn more below about the advantages of banking at your hometown bank: Community Trust Bank.

Community Trust Basic Checking

• $100 to Open
• No Monthly Maintenance Fee
• Unlimited Number of Deposits and Withdrawals (including checks, automatic debits, ATM and FlexCard transactions)
• Complimentary Welcome Pack (20 checks, 10 deposit slips)
• Complimentary CTB ATM/Debit Card
• Complimentary CTB ATM Transactions
• Access to Internet Banking available
• Monthly Statements;
  • Electronic statements available through Internet Banking at no monthly fee
  • Paper Statement fee of $3.00**

Community Trust Advantage Checking

• $100 to open
• $7.00 Monthly Maintenance Fee
• Avoid Maintenance Fees with a $500 daily ledger balance or $10,000 Daily Combined Consumer Deposit Accounts Balance*
• Unlimited Number of Deposits and Withdrawals (including checks, automatic debits, ATM and FlexCard transactions)
• Complimentary Welcome Pack (20 checks, 10 deposit slips)
• 50% Discount on Standard Personal Checks when ordered through Deluxe
• Complimentary CTB ATM/Debit Card
• Complimentary CTB ATM Transactions
• Access to Internet Banking available
• Monthly Statements;
  • Electronic statements available through Internet Banking at no monthly fee
  • Complimentary Paper Statements
• Value-Added Benefits*** 
  • IDProtect^® – Identity Theft Monitoring and Resolution Service¹ 
  • Up to $10,000 of Accidental Death & Dismemberment Insurance²
  • Cell Phone Protection² – Up to $600 of replacement and repairs costs
  • Roadside Assistance Service²
  • Debit Advantage® – Buyer’s Protection² and Extended Warranty²
  • $hopping Rewards^TM
  • Travel & Leisure Discounts

Learn more about all of the Community Trust Advantage Checking benefits by clicking here.

Community Trust Advantage Plus Interest Checking

• $1,000 to open
• $12.00 Monthly Maintenance Fee
• Avoid Maintenance Fees with a $2,500 daily ledger balance or $25,000 Daily Combined Consumer Deposit Accounts Balance*
• Earns Interest
• $1,000 Minimum to Earn Interest
• Unlimited Number of Deposits and Withdrawals (including checks, automatic debits, ATM and FlexCard transactions)
• Complimentary Specialty Blue checks
• 50% Discount on Standard Personal Checks when ordered through Deluxe
• Complimentary CTB ATM/Debit Card
• Complimentary CTB ATM Transactions
• Non CTB ATM fee waived (This does not include fee charged by the other bank.)
• Access to Internet Banking available
• Monthly Statements;
  • Electronic statements available through Internet Banking at no monthly fee
  • Complimentary Paper Statements
• No fee for photocopy requests of Check and Paper Statements
• Complimentary Telephone Transfers
• Complimentary Cashier’s Checks
• Value-Added Benefits*** 
  • IDProtect^® – Identity Theft Monitoring and Resolution Service¹ 
  • Up to $10,000 of Accidental Death & Dismemberment Insurance²
  • Cell Phone Protection² – Up to $600 of replacement and repairs costs
  • Roadside Assistance Service²
  • Debit Advantage® – Buyer’s Protection² and Extended Warranty²
  • $hopping Rewards^TM
  • Travel & Leisure Discounts

Learn more about all of the Community Trust Advantage Plus Interest Checking benefits by clicking here.

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

*Monthly maintenance fees will be waived if certain conditions are met.
**Paper Statement fee of $3.00 waived for customers age 60 or older; also waived for customers who have a combined related balance of $10,000.00 or more in personal deposit accounts during the statement cycle.
***Some benefits require authentication, registration and activation. See account information for full details, including terms of coverage and exclusions.
¹ Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts organizations and/or churches and their members, or schools and their employees/students.
² Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Insurance products are not insured by FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.