Citizens Trust Bank

Personal Solutions / Checking Accounts

Checking Account Application

CTB Direct Checking Account (CTB’s Free Checking account with Direct Deposit)

CTB Direct is the perfect account for individuals who prefer not to keep a minimum balance in their checking account. Our Direct Checking account has no monthly maintenance fees and features all of the below benefits.

NO CREDIT CHECK
No monthly account fees
No minimum balance required
Free direct deposit (required)
Free check images
Free Online Banking service
Free ATM/Debit card
Access your account online, by phone or at any of our ATMs at no charge
Minimum opening deposit $100
Unlimited transactions

CTB Flat Fee Checking Account

CTB Flat Fee Checking allows you to enjoy unlimited check writing privileges for one flat fee. There are no minimum balance requirements and the monthly maintenance fee is only $10.00.

Unlimited debits and check writing
No minimum balance required
Minimum opening deposit of $100.00
Monthly maintenance charge of $10.00
Free check imaging
Free Online Banking service
Access your account online, by phone or at any of our ATMS at no charge

Golden Premier

This account is designated for individuals age 50 and over. There are no minimum balance requirements or monthly service charges to maintain this account.

Opening deposit of $100.00
No minimum balance required
No monthly service charge
Check imaging
Free Online Banking service
Free notary service
Free travelers checks
Discount on safe deposit box
Manage your account online, by phone or at any of our ATMs with no charge
Unlimited check writing
Discounts on Travelers checks
Discounts on Safe Deposit Box
Free ATM/Debit card

Collegiate Checking Account

If you are a college student, Citizens Trust Bank offers the ideal account for you! This account has no minimum balance requirements and offers 24 hour access with ATM's and online banking.

Opening deposit of $25.00
No minimum balance required
No monthly service charge
Check imaging
Free Online Banking service
Free E-Statements
Free MasterCard Debit Card
Unlimited Check Writing
Manage your account online, by phone or at any of our ATMs with no charge
Free for the 5 years

Regular Checking Account

Citizens Trust Bank offers a convenient checking account that can be opened with an opening deposit of as low as $100.00. With this account, our customers enjoy the convenience of check imaging and free 24 hour CTB ATM usage.

Minimum opening deposit of $100.00
Minimum daily balance required to avoid monthly maintenance charges is $500.00
Monthly maintenance charges of $.30 per check/debit transaction
No monthly service charge when qualifying balance is maintained
Check imaging
Free Online Banking service
Access your account online, by phone or at any of our ATMs with no charge

CTB Advantage NOW Checking Account

Citizens Trust Bank offers an account where you can earn competitive interest as well as enjoy the convenience of an array of other banking services.

First order of bank stock checks free
Minimum daily balance of $7500/minimum balance of $5000 to avoid service charges
Add $.30 per check/debit to the $15.00 service charge statement
State how the interest is compounded
Free notary
Free Traveler’s Checks
Discounted cashiers checks
Discounted 3x5 Safe Deposit Boxes

Personal Interest Checking Account

Citizens Trust Bank offers an account where you can earn competitive interest as well as take advantage of free 24 hour CTB ATM usage. If you keep a relatively high balance this account is for you.

Opening deposit of $1,000.00 required
Minimum daily balance required to avoid the monthly maintenance charges is $1,500.00
Monthly maintenance charges of $10.00/ .30 cents per check or debit
No monthly service charge when qualifying balances are maintained
$10 monthly service charge will be applied if minimum balances not maintained. Other restrictions may apply
Check imaging
Foreign ATM charge $2.00