Personal Banking

All Consolidated Bank & Trust checking accounts can be opened with a minimum initial deposit of $50. As an account holder, you will receive monthly statements plus images of your cancelled checks.

PERSONAL CHECKING

  • Unlimited Check Writing
  • ATM and Debit Card access to funds
  • Free Internet Banking access with internet bill pay service
  • Overdraft Shelter
  • Minimum opening deposit- $50
  • Free to senior customers (age 55 and above)
  • Minimum balance requirements or direct deposit at least once during the statement cycle to avoid service charge


PERSONAL NOW ACCOUNTS (Negotiable Orders of Withdrawal)

  • Unlimited Check Writing
  • ATM and Debit Card access to funds
  • Free Internet Banking access with internet bill pay service
  • Overdraft Shelter
  • Interest compounded and credited monthly
  • Minimum opening deposit- $50
  • Minimum balance requirements to avoid service charge


PERSONAL MONEY MARKET

  • Available to individuals, organizations and fiduciaries
  • Interest compounded and credited monthly
  • Six free withdrawals per month (thereafter a per item charge applies)
  • Free withdrawals made in person
  • Three of these transactions may be made by check or draft made by the depositor
  • Minimum opening deposit $50
  • Minimum balance requirements to avoid service charge

PERSONAL INVESTMENT CHECKING

  • Unlimited Check Writing
  • ATM and Debit Card access to funds
  • Free Internet Banking access with internet bill pay service
  • Overdraft Shelter
  • Interest compounded and credited monthly
  • Minimum opening deposit $50
  • Minimum balance requirements to avoid service charge

CONSUMER LOANS

When it comes to borrowing money, there are plenty of parties eager to lend it—insurance companies, finance companies, credit unions. But few are eager to take the time to understand your needs like we do. Our consumer loan officers are dedicated to helping you find the loan that’s right for you.

  • Consumer Loans
  • Personal loans
  • Auto loans
  • Vacation loans
  • Debt consolidation
  • Education loans
  • Pay taxes

Overdraft Protection – Line of Credit
Protect your checking account from bounced checks and costly overdraft fees.