Home Page | Contact Us | Site Map | Disclosures | Privacy Policy 

Financial Security Since 1854 

Personal Banking: Checking

Free Checking
Our free checking account is designed for individuals who want a basic check writing service and do not need their image checks back with their statements.

• No monthly service charge
• Unlimited ATM usage
• No charge by CBT for ATM usage anywhere (fees from banks outside our network may apply)
• Image checks not returned with statement
• Unlimited check writing
• Personal accounts only
• $50 minimum deposit required to open this account

Cornerstone Checking
Our Regular Checking is the perfect account if you are looking for a basic checking account and the convenience of check imaging. With a payroll direct deposit relationship, this account offers no monthly service charge regardless of your balance.

• Unlimited check writing
• Unlimited ATM or Debit Card usage
• No charge by CBT for ATM usage anywhere (fees from banks outside our network may apply)
• $5.00 monthly service charge if balance falls below an average daily balance of $500.00
• Image checks returned with statement
• Non interest bearing account
• $50 minimum deposit required to open this account

Student Option
Our Student Checking is designed to make banking affordable and convenient for busy students. It features no minimum balance and no monthly service fee.

• Unlimited check writing
• Unlimited ATM or Debit Card usage
• No charge by CBT for ATM usage anywhere (fees from banks outside our network may apply)
• No service charge for students (maximum age, 23; must present student ID to open account)
• Image checks returned with statement
• Non interest bearing account
• $50 minimum deposit required to open this account

Senior Checking Account
Our Senior Checking is a premium interest-bearing personal checking account designed for persons 55 and older with extra bank benefits and value-added features.

• Must be 55 to open account
• No service charge
• Unlimited check writing
• Unlimited ATM or Debit Card usage
• No charge by CBT for ATM usage anywhere (fees from banks outside our network may apply)
• Image checks returned with statement
• Free select checks (one box per order 2 boxes per year)
• 25% discount toward a safe deposit box
• Interest paid if balance remains over $1,000.00
• $50 minimum deposit required to open this account

Cornerstone Plus Accounts
Our Cornerstone Plus Checking is recommended for those who are looking for a value-added checking account. When you add our Cornerstone Plus benefit packages 1 or 2 to our regular checking accounts, you receive a whole range of free and specially priced services, all for one low monthly fee.

Package 1

• $10,000 Accidental Death and Dismemberment Insurance
• $10,000 Identity Theft Insurance
• Coast to Coast Vision Savings
• RX Advantage Prescription Savings
• Everyday Rebates
• Medical Emergency Data Card
• Sojourns Magazine
• Savers Club Discount Book
• Bonus Travel
• Free club checks (2 box limit per year)
• No charge for Travelers' Checks
• No charge for Cashier's Checks
• Free copies
• Unlimited check writing
• Unlimited ATM or Debit Card usage
• No charge by CBT for ATM usage anywhere (fees from banks outside our network may apply)
• Image checks returned with statement
• Non interest bearing account
• $8.00 monthly service charge
• $20 minimum deposit required to open this account

Package 2

• $20,000 Accidental Death and Dismemberment Insurance
• $10,000 Identity Theft Insurance
• $1,500 Dependent Child Death and Dismemberment Insurance
• $10,000 Spousal Accidental Death and Dismemberment Insurance
• Coast to Coast Vision Savings
• RX Advantage Prescription Savings
• Everyday Rebates
• Medical Emergency Data Card
• Sojourns Magazine
• Savers Club Discount Book
• Bonus Travel
• Free club checks (2 box limit per year)
• No charge for Travelers' Checks
• No charge for Cashier's Checks
• Free copies
• Unlimited check writing
• Unlimited ATM or Debit Card usage
• No charge by CBT for ATM usage anywhere (fees from banks outside our network may apply)
• Image checks returned with statement
• 25% discount for safe deposit box rental
• Non interest bearing account
• $10.00 monthly service charge
• $50 minimum deposit required to open this account

Interest Checking Account
This account is designed for customers who normally keep a high balance in their checking account and want to earn interest on their balance.

• $50 minimum deposit required to open this account.
• Interest bearing account (Competitive interest rate with variable rates based on balances of $1,000 and more)
• Unlimited check writing
• Unlimited ATM or Debit Card usage
• No charge by CBT for ATM usage anywhere (fees from banks outside our network may apply)
• $10.00 monthly service charge if balance falls below an average daily balance of $1,000.00
• Image checks returned with statement

eVantage Checking Account

• $200 minimum deposit required to open this account.
• Premium Interest rate
• Refundable ATM Fees up to $12.00 per cycle
• Free Online Banking & Bill Pay
• No Monthly Service Fee
• No Minimum Balance

To earn theese great benefits, the following are required once per interest cycle:

• 10 Debit Card Transactions (Does not include ATM)
• 1 Direct Deposit or ACH Transaction or active online bill pay
• Access Online Banking
• Receive Electronic Statements
• Have a valid e-mail address

If any of the above requirments are not met, a base will be paid on the entire balance for that interest cycle.

Overdraft Protection
Pre-approved line-of-credit is an especially handy supplemental feature to your personal checking account because you can write checks for amounts greater than your balance when the need arises. You repay the advance in monthly installments, and as it is repaid, your unused reserve is rebuilt and may be used again as you need it.