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You’re in control with our checking solutions.
Whether you’re new to Citizens Trust Bank or looking for an upgrade solution to your checking account, it’s easy to manage your money on your terms with a Citizens Trust Bank personal checking account. You’ll find valuable features and an account that works for you.
Explore and compare the best checking solution to fit your banking needs.
Economic Empowerment- Citizens Trust Bank-Atlanta's ONLY Black Owned Bank
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* Keep tabs on your Citizens Trust Bank debit card with CardValet®. Get instant alerts whenever your card is used. Protect yourself against fraud – Track your spending. The CardValet® mobile app allows you to control your debit card activity. Download the CardValet® app from Apple and Google Play stores today. Data rates may apply. Check with your mobile phone carrier for details.
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CTB Direct Checking
The perfect solution to eliminate monthly fees and minimum balance requirements.
CTB Flat Fee Checking Account
Enjoy unlimited check writing privileges for one flat fee. There are no minimum balance requirements and the monthly maintenance fee is only $10.00.
Visit one of our financial center locations to apply. Enjoy the convenience of check imaging and 24-hour CTB ATM usage.
Golden Premier Checking
Our Checking account solution for customers 50 years of age and older.
CTB Advantage NOW Checking Account
Visit one of our financial center locations to apply.
Personal Interest Checking Account
Earn competitive interest as well as take advantage of free 24-hour CTB ATM usage.
Collegiate Checking Account
College student account offers no minimum balance requirements and 24-hour access with ATMs and online banking.
Overdraft Protection: Your Checking Accounts’ Protection
Never again will you worry if there are enough funds in your account for a check to clear. With the Citizens Trust Bank Overdraft Protection, the check will clear without costly NSF fees. A savings account is the only requirement to add this additional feature to your checking account.
Overdraft Privilege is a discretionary service provided to eligible customers. It is designed to help guard customers against having items returned by our bank. At the discretion of Citizens Trust Bank, each eligible customer is provided a specific Overdraft Privilege limit depending on the type of account they have. NSF/Overdraft fees are included in the Overdraft Privilege limit.
Liberty Bank: There's Freedom Here (2020)
Checking Account Solutions
Along your small business journey . . . we’re here to help
Whether you’re overcoming new obstacles or reaching for the next tier of success, our business checking solutions can help to achieve your goals. When it comes to your small business, at Citizens Trust Bank, we always keep the bigger picture in sight. We’re here every step of the way offering financial guidance and the perfect product solutions to move your business forward.
Find the right business checking account for you.
What the Black Owned Bank, City National, Has to Offer their Customers
CTB Business Free Checking Account
A Business Free Checking Account with Citizens Trust Bank is for sole proprietorship and non-profit organizations, only – that keep low to moderate balance. CTB Business Free Checking is great for businesses that keep low to moderate balances. This account offers a low minimum balance to open and no monthly service charge.
Commercial Checking Account
Small Business Checking Account
Super NOW Checking Account
Super NOW Checking offers an Interest Bearing option that pays a competitive rate of interest, compounded daily and paid monthly – provides a monthly statement including check image services.
Non-Profit NOW Checking
It’s Our Business to Help Your Money Grow
Growing your capital with minimal risk there’s no easier way than with a business savings account. That way, your excess cash is always working- even when business is unpredictable. Having the right savings solutions for your business can make all the difference. Citizens Trust Bank’s Commercial Savings Account is perfect for businesses that are looking for a way to build capital.
Commercial Savings Account
The Commercial Savings Account is an interest bearing account designed for our commercial customers. This account offers a competitive interest.