Savings Accounts :: Personal Banking :: Central Bank and Trust Co.

Personal Savings Accounts

Central Bank and Trust Co. offers a variety of personal savings options to meet your individual needs. Listed below are several of the accounts we offer.

Personal Savings Accounts
	CENTRAL SAVINGS PERSONAL	MARKETIER ACCOUNT
Minimum Opening Deposit	$100	$2,500
Balance Requirement	$50	$2,500
Monthly Maintenance Fee	$3 per month if daily ledger balance falls below $50	$15 maintenance fee if daily ledger balance falls below $2500
Interest	Yes-paid on daily collected balance quarterly	Yes-paid on daily collected balance monthly; tiered rate structure
Imaged Statements	N/A	Yes
Withdrawal Limitations	3 free withdrawals per month; $1 per withdrawal over 3	No more than 6 transactions per month. $10 per item fee for excessive non-qualifying transactions.
Age Requirement	All ages	All ages
Additional Benefits	If it is a child's account, the monthly maintenance fee will be waived until the child's 18th birthday.	Rate increases as the balances increase

Central Savings

A Central Bank and Trust Co. savings account makes good sense for everyone. It doesn't matter how large or how small your account is, you're saving...and that is what's important! Central savings accounts earn competitive interest rates and are FDIC insured up to $250,000.

Minimum opening deposit of $100
No maintenance fee if daily ledger balance is over $50
$3 monthly maintenance fee if daily ledger balance falls below $50 during the month
Interest paid quarterly on the daily collected balance
Withdrawal limitations:
- 3 free withdrawals per month
- $1 per withdrawal for each item over 3

Electronic Funds Transfer Disclosure
Account Terms and Conditions
Truth in Savings Disclosure
Fee Schedule
Deposit Rates
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Marketier Account

Those who want to earn substantially more interest as their account balance grows will appreciate the benefits of this account, tiered for increased interest rates.

Minimum opening deposit of $2,500
No maintenance fee if daily ledger balance is over $2,500
$15 monthly maintenance fee if daily ledger balance falls below $2,500 during the month
Interest rate automatically rises as account balance reaches $15,000, $25,000, $50,000, $75,000, $100,000 and $500,000
Interest earned and paid monthly on the daily collected balance
Withdrawal limitations:
- 6 free withdrawals or transfers per month
- $10 per withdrawal for each non-qualifying transaction
Imaged statements

Electronic Funds Transfer Disclosure
Account Terms and Conditions
Truth in Savings Disclosure
Fee Schedule
Deposit Rates
Apply Now