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Products & Services

Benefits Banking

At Community Bank and Trust, we believe in offering more than you expect. We know your employees are your most valuable resource. That’s why we offer Benefits Banking, a package of financial benefits, available exclusively to your employees through a partnership with CBT. Benefits Banking from CBT makes a perfect addition to your company’s benefits package.

Our Benefits Banking package includes discounts and bonuses on services you use every day. With this exclusive offer, you will also have access to experienced bankers who can help you make important financial decisions for you and your family. 


  • No monthly maintenance fees
  • No minimum balance requirement
  • First order of Benefits Banking checks free
  • Free VISA® Debit Card1 that is accepted by merchants who accept VISA®
  • Free Online Banking with Free BillPay
  • Free eStatements
  • Free Mobile Banking  


  • Bonus rate of .25% on Certificates of Deposit3
  • No minimum balance Benefits Banking Savings Account2,4
  • Christmas Club savings account with automatic transfers1  


  • Discount of .50% off Installment Loan Rates5
  • Discounted Closing Costs on a Home Equity Line of Credit6
  • Special Deals on Home Mortgage Loans  


  • Free Official Checks

Employees are eligible for the Community Bank & Trust Benefits while they still work for their current employer. Benefits are subject to change or termination and may not be combined with any other offer. 1Subject to approval. 2Transaction restrictions apply. Ask for details. 3 Penalty for early withdrawal. 4 With monthly automatic transfers of at least $10. 5 Subject to credit approval. Monthly payments must be automatically drafted from your Community Bank & Trust account. 6 Subject to availability.