Personal

Personal Checking

Basic Checking Account

For those interested in the simple no frills checking account, which allows you to avoid a monthly fee by signing up for eStatements.

Features:

• Open with only $100
• Small monthly service charge for paper statements

Secure Checking

A special account with benefits for a low monthly service fee.

Benefits Include:

• IDProtect® Identity Theft Monitoring and Resolution Service*
• Up to $10,000 of 24-hour Accidental Death & Dismemberment Insurance3 (Coverage divides equally on joint accounts and reduces by 50% at age 70.)
• Debit Advantage®
• Cellular Telephone Protection
• Travel and Leisure Discounts
• $hopping Rewards
• Health Discount Savings

Call or come into one of our 3 branches for more information.

Features:

• Open with only $100
• No minimum balance requirement
• Unlimited check writing
• First set of checks free with a $2.00 discount when reordering
• Free money orders and cashier checks
• Free copy service
• Discounts on safe deposit box rental
• Debit card available at no extra charge

Student Checking

For students who have relatives with a banking relationship at Community Trust Bank, this account is for those enrolled in high school or college, up until age 25. This account allows young adults to gain understanding of how a checking account works.

Features:

• Open with only $100
• Up to 3 foreign ATM fees refunded monthly
• Small monthly fee for paper statements

Senior Checking

Available for customers who are 55 or older.

Features:

• Open with only $100
• No minimum balance requirement
• No monthly fee
• Unlimited check writing
• Free personalized club checks
• Debit card available at no extra charge
• Free money orders and cashier checks
• Free copy service
• Discounts on safe deposit box rental

CTB Plus Account

Our CTB Plus Account is targeted to the person who wants to earn interest in their checking account. Earn a higher rate of interest by maintaining a higher average monthly balance.

Features:

• Open with only $500
• Keep $1,000 monthly balance to avoid a monthly service charge

Money Market Account

The highest rate available for an individual account with the ability to write checks.

Features:

• Open with only $1,000
• Keep $1,000 daily balance to avoid monthly service charge
• Up to six pre-authorized withdrawals per statement cycle
• The rate increases with balances

Personal Savings

Certificates of Deposit

A wonderful way to enjoy a higher interest rate and still have FDIC insurance. We offer a variety of short and long-term options.

Features:

• Minimum opening amounts vary
• Earn interest with competitive fixed rates
• FDIC insurance

Vacation Club

Start saving today for your dream vacation. This account is the place to start. It's an interest bearing account with a slightly higher interest rate than the regular savings. Penalties apply for early withdrawal.

Features:

• Open with only $2
• No monthly service fee
• Interest earned on daily balance

Christmas Club

Want to get a jump on Christmas expenses, this is the account that can help. It provides an interest bearing account with a slightly higher interest rate than regular savings. Penalties apply for early withdrawal.

Features:

• Open with only $2
• No monthly service fee
• Interest earned on daily balance

Dinosaver's Club

Available to our young savers from the age of 1 month through the age of 18. This account encourages children to establish good saving habits at an early age.

Features:

• Open with only $5
• No monthly service fee
• Interest earned on daily balance
• Make up to two withdrawals per month at no charge

Regular Savings Account

Start saving for that rainy day.

Features:

• Open with only $100
• Interest earned on daily balance
• Minimum daily balance of $100 to avoid a monthly service charge
• Two free withdrawls per month

Personal Loans

Consumer Loans

Consumer loans can be used for various personal expenses and purchases, with a variety of repayment plans.

Many types of collateral are acceptable for consumer loans, including but not limited to, vehicles, mobile homes, recreation vehicles, savings accounts, stock and bonds and certificates of deposit. When you need help with personal expenses, see our loan specialists. We offer competitive rates and terms. Loan payments can be automatically deducted from your Community Trust Bank checking account for added convenience.

GET STARTED TODAY:

Our Loan Officers are available at each location to help answer any questions you may have regarding rates, terms and conditions.

We'd love to help you get started. Simply fill out the Contact Us form, give us a call, print off an application, or stop by one of our branches today. Please do not email confidential information.

Real Estate Loans

For purchase of personal residence, home-improvement and construction of a personal residence. Time to refinance?

If you have questions regarding the different types of loans available, our loan department staff can assist you. And you will never have to worry about being late with your payment with an automatic deduction set up from your Community Trust Bank account.

GET STARTED TODAY:

Our Loan Officers are available at each location to help answer any questions you may have regarding rates, terms and conditions.

We'd love to help you get started. Simply fill out the Contact Us form, give us a call, print off an application, or stop by one of our branches today. Please do not email confidential information.

Convenience Banking

Direct Deposit

Make sure your checks arrive at the bank on time, every time. Take advantage of our direct deposit and have your funds available on the day they are payable.

Use direct deposit for social security checks, dividends, annuities, pensions, payroll, and tax refunds. You never have to worry about your checks being delayed, lost or stolen in the mail.

Free Online Bill Pay

Say "NO" to higher postage rates with FREE Online Bill Pay. Sign up for Online banking and start saving.

Online Bill Pay Features:

• Simple enrollment within online banking
• Schedule single or recurring payments
• 24/7 access
• Pay bills from multiple accounts
• Manage payee categories
• View payment histories
• Reduce paper clutter
• And more!

Online Banking

Sign on to our online banking right now. It's free and easy.

Sign up today. If you have any questions during the enrollment process, give one of our branches a call and we will be happy to assist you.

Mobile Banking

Community Trust Bank's Mobile App allows you to bank on the go. You can access your accounts from anywhere at any time on your smart phone. You can check balances, make transfers and loan payments, pay bills, deposit checks, and much more! This app is not only convenient, but it is also free!

Visa Debit Card

Have you ever gone to pay for something and forgot your checkbook or ran out of checks? The simple solution is to use your Debit Card.

The Visa Debit Card can be used for purchases anywhere that displays the Visa logo. You can also use your debit card for cash when you need it at ATM's everywhere.