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Citizens Trust Bank

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  • Open Account Online
  • Business Banking
  • Fraud Prevention
  • Transfers & Bill Pay
  • FDIC Insured 

A Relationship You Can Bank On

 

Checking Accounts

 

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.
Our checking account solutions include

ATMs
Debit Card*
Direct Deposit
e-Statements
Message Alerts
Mobile Banking
Online Banking
Overdraft Privilege

Economic Empowerment- Citizens Trust Bank-Atlanta's ONLY Black Owned Bank

LEARN MORE at Citizens Trust Bank Learning Center

* 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.

Android, Google Play, and the Google Play logo are trademarks of Google, Inc. CardValet is a registered trademark of Fiserv, Inc. or its affiliates. Copyright 2018 Citizens Trust Bank. Data rates may apply. Check with your mobile phone carrier for details. Apple and the Apple logo are trademarks of Apple, Inc. registered in the US and other countries.

CTB Direct Checking 

 

The perfect solution to eliminate monthly fees and minimum balance requirements.

  • No minimum balance required
  • Direct deposit (REQUIRED to avoid the $10 monthly Service Charge)
  • e-Statements (REQUIRED to avoid the $5 monthly Statement Delivery Fee)
  • Check images
  • Online Banking
  • ATM and Debit Card
  • Minimum opening deposit $50.00
  • Unlimited transactions
  • Foreign ATM charge, $2.00

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.

  • Unlimited debits and check writing
  • No minimum balance required
  • Minimum opening deposit of $50.00
  • Monthly maintenance charge of $10.00
  • Check imaging
  • Online Banking
  • Access your account online, by phone or at any of our ATMS at no charge
  • Foreign ATM charge, $2.00

Regular Checking

Visit one of our financial center locations to apply. Enjoy the convenience of check imaging and 24-hour CTB ATM usage.

  • Minimum opening deposit of $50.00
  • Minimum daily balance is $1000.00 required to avoid monthly charges
  • Monthly maintenance charges of $.30 per check/debit transaction
  • No monthly service charge when qualifying balance is maintained
  • Check imaging
  • Online Banking
  • Foreign ATM charge, $2.00

Golden Premier Checking

 

Our Checking account solution for customers 50 years of age and older.

 

  • Opening deposit of $50.00
  • Minimum daily balance of $500.00 required to avoid the $5 monthly Service Charge
  • Check Imaging
  • Online Banking
  • Free notary service
  • Free Traveler’s checks
  • Access your account online, by phone or at any of our ATMs at no charge
  • Foreign ATM charge, $2.00
  • Unlimited check writing
  • Discounts on Cashiers’ Checks
  • Discounts on Safe Deposit Box
  • ATM and Debit Card

CTB Advantage NOW Checking Account

Visit one of our financial center locations to apply. 

  • Average daily balance of $7,500 or Monthly minimum balance of $5000
    is required to avoid the $15 monthly Service Charge
  • First order of bank stock checks free
  • $.30 per debit transaction
  • Free notary
  • Discounted cashier’s checks
  • Discounted 3×5 Safe Deposit Boxes
  • Foreign ATM charge, $2.00
  • Interest-bearing checking solution. Interest is compounded daily and credited monthly

Personal Interest Checking Account

 

Earn competitive interest as well as take advantage of free 24-hour CTB ATM usage.

  • Opening deposit of $1,000.00 required
  • Minimum daily balance required to avoid monthly charges is $2,000.00
  • Monthly maintenance charges of $10.00/.30 cents per check or debit
  • No monthly service charge when qualifying balances is maintained
  • $10 monthly service charge will be applied if minimum balances not maintained. Other restrictions may apply
  • Check imaging
  • Foreign ATM charge, $2.00

Collegiate Checking Account

 

College student account offers no minimum balance requirements and 24-hour access with ATMs and online banking.

  • Opening deposit of $25.00
  • No minimum balance required
  • No monthly service charge
  • Check imaging
  • Free Online Banking service
  • e-Statements (REQUIRED)
  • Free MasterCard Debit Card
  • Unlimited Check Writing
  • Manage your account online, by phone or at any of our ATMs with no charge
  • Foreign ATM charge, $2.00
  • Free for the 5 years
 

#CashMobATL Citizens Trust Bank

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.

  • The exact overdraft amount can be transferred from your savings to your checking account
  • Low $5.00 fee for each overdraft

Overdraft Privilege

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)

Ailments Treated

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.

  • Minimum opening balance-$100.00
  • Free Business Debit Card
  • First 100 debit transactions Free
    • $0.50 fee for each additional debit transaction after 100
  • Maximum of 5000 cash transactions a month
  • E-Statements (required)

Commercial Checking Account

  • Minimum opening balance $100.00
  • Monthly service charge-$15.00
  • Is subject to the Corporate Analysis fee schedule
  • Provides a monthly statement including check images
  • Convenient record keeping for payments and deposits
  • Business Debit Cards available

Small Business Checking Account
Business owners have never had it easier! This account offers a low minimum balance to open and no monthly service charge when qualifying balances are maintained.

  • Minimum opening balance $100.00
  • Monthly service charge $12.00
  • Minimum balance required for no monthly service charge $2,500.00
  • Average daily balance for no monthly service charge $5,000.00

Super NOW Checking Account
If you own a large business and want to manage the company’s finances while earning a higher rate of interest on the deposit balance Citizens Trust Bank offers an interest bearing demand deposit account designed to meet the needs of most large businesses or corporations.

  • Minimum opening deposit of $100,000.00
  • Monthly service charge $10.00 if the balance falls below required minimum balance
  • $.30 per debit transaction fee

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
Our Non-Profit Checking account is designed to be used for sole proprietorship, escrow funds and non-profit organizations. It is a demand deposit account that earns interest and will allow you to track organization payments and deposits.

  • Requires a minimum opening deposit of $1000.00
  • Is subject to a maintenance fee plus per debit and credit charges if a minimum balance is not maintained.
  • Convenient record keeping for payments and deposits
  • Interest income on deposit balances

Business Checking Account Application

 

Proclamation

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.

  • Requires a minimum opening deposit of $1,000
  • Monthly service charge of $8 (if balance falls below $100)
  • Three (3) withdrawals allowed per quarter at no additional cost
  • Earns competitive interest rates
  • Transaction limits apply (up to six (6) checks/drafts, automatic or preauthorized withdrawals per calendar month or statement cycle

Commercial Savings Account Application