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Products & Services

Business Checking Accounts

Whether you're a large company with a lot of transactions or a small non-profit with just a few, CBT has an account that's perfectly suited for your business.



Business Checking Account Comparison Chart


Free Business Checking Business Checking Business Sweep For small to mid-sized business owners wanting to save money, our no-nonsense Free Business Checking account is ideal.  On average, our customers have $122 per month on fees as compared to other large banks.  Plus, they receive 500 free items (debits, credits, deposits).  Free business accounts require a $100 minimum opening balance, but do not have a minimum daily balance or monthly maintenance fee.  Free business checking also includes a Visa debit card, online banking and free billpay. Business checking was created for businesses with higher transaction levels.  Business checking accounts require a $100 minimum balance and a monthly maintenance fee.  A Visa debit card, access online banking and free billpay are included with the account.  Business interest checking is ideal for sole proprietors or certain non-profit agencies.  This account lets you earn interest and credits to offset fees.  Business interest checking requires a $100 minimum opening balance and a monthly maintenance fee.  Business Interest checking includes a Visa debit card, access to online banking and free billpay.  Community checking accounts are designed for non-profits, churches and certain associations.  This account is the ideal, low-cost money management option.  Community checking requires a $100 minimum opening balance and a $500 minimum daily balance.  A monthly maintenance fee of $25 is charged if the minimum balance is not met.  A Visa Debit card, Online Banking and free billpay are all included with a community checking account. Community Checking Plus Community Checking Plus is designed exclusively for larger non-profits that maintain higher balances.  Community Checking Plus requires a $100 minimum opening balance and a $2,500 minimum daily balance.  A $25 monthly maintenance fee is charged if minimum daily balance is not met.  A Visa debit card, access to online banking and free billpay is included with Community Checking Plus. Community Checking Plus can earn interest with a $10,000 minimum balance. Business sweep accounts uniquely combines a business checking account with the ease of automatically investing excess cash in an interest-bearing checking account.  A minimum opening balance is not required and a minimum daily balance is based on set target balance.  Business sweep accounts require a $50 monthly maintenance fee.

 

* Based on other bank’s transaction fees for 500 items.

1 Items over 500 will be charged. Ask for details.

2 $12; $0.19 per debit, $0.40 per credit ($0.25 for customers who use zip deposity service), $0.10 per items deposited. Earnings credit rate paid on positive collected balances can be used to offset service fees including monthly maintenance fee. Based on factor set by Community Bank & Trust from time to time.

3 Avoid a per-debit fee after the first free 30 debits with a $500 minimum daily balance. Ask for details.