FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Checking Account Products

Columbus Bank and Trust Company offers different types of personal checking accounts to fit your banking style. Our accounts range from interest bearing to non-interest bearing depending on your banking needs.

Personal Checking Accounts
 CBT CheckingCBT Premier CheckingCBT Health Savings*CBT Money Market
Minimum Deposit to Open

$0

 $2,500 $0 $10,000
Monthly Service Charge No monthly fee with eStatements $0 $0 No monthly fee with eStatements
Earns Interest   Checkmark  Checkmark Checkmark
MasterCard Debit Card Available Checkmark Checkmark Checkmark  
eStatements Available Checkmark Checkmark Checkmark Checkmark
Unlimited Check Writing Checkmark Checkmark Checkmark  
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* Health Savings Account subject to eligibility

CBT Checking

  • No Minimum to open account
  • No minimum balance requirement
  • No monthly fee with eStatements

CBT Premier Checking

  • Minimum deposit $2,500.00 to open
  • Minimum balance of $2,500.00 to earn interest
  • Earns interest on daily balance for the period (subject to current rate)

CBT Health Savings

Health Savings Accounts are subject to eligibility. See if you qualify.

  • No minimum balance requirement
  • Set up fee of $50.00
  • Earns interest on daily balance for the period (subject to current rate)
  • Monthly statement with interest compounded quarterly
  • Unlimited check writing

CBT Money Market

  • Minimum deposit $10,000.00 to open
  • Minimum balance of $5,000.00 to earn interest
  • No monthly fee with eStatements
  • Capability to write checks
  • Withdraw, transfer, or write checks up to 6 times per month.  Fees may apply if limit is exceeded