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

Debit Card
Direct Deposit
E statements
Message Alerts
Mobile Banking
Online Banking
Overdraft Privilege


CTB Direct Checking 

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CTB Direct is the perfect solution for those who want to eliminate monthly fees and minimum balance requirements. This checking account solution offers:

  • No minimum balance required
  • Direct deposit (REQUIRED to avoid the $10 monthly Serivce 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

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CTB Flat Fee Checking allows you to 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

Citizens Trust Bank offers a convenient checking account that can be opened with an opening deposit of as low as $50.00. With this checking solution, you can 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

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Our Golden Premier Checking account solution is ideal for customers 50 years of age and older.

  • Opening deposit of $50.00
  • Minimum daily balance of $500.00 required to avoid the $10 monthly Service Charge
  • Check imaging
  • Online Banking
  • Free notary service
  • Free Travelers 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

Citizens Trust Bank offers an account where you can earn competitive interest as well as enjoy the convenience of an array of other banking services.

  • First order of bank stock checks free
  • Minimum daily balance of $7500/minimum balance of $5000 to avoid service charges
  • Add $.30 per check/debit to the $15.00 service charge
  • State how the interest is compounded
  • Free notary
  • Free Traveler’s Checks
  • Discounted cashier’s checks
  • Discounted 3×5 Safe Deposit Boxes
  • Foreign ATM charge, $2.00

Personal Interest Checking Account

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Citizens Trust Bank offers an account where you can earn competitive interest as well as take advantage of free 24 hour CTB ATM usage. If you keep a relatively high balance this account is for you.

  • 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

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If you are a college student, Citizens Trust Bank offers the ideal account for you! This account has no minimum balance requirements and offers 24 hour access with ATM’s 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

CHOICE Account

Understanding Your Money

Money can bring a great sense of freedom: freedom from debt, freedom to purchase what you want…freedom in the greatest sense of the word. Thomas Jefferson, the third President of the United States, once stated: “Never spend your money before you have it.” His statement is just as prevalent today as it was hundreds of years ago. Short-term financing with no credit check requirements and easy check cashing options may appear stress-free at first, but are they really a good idea? Before you make a commitment, do your research and know your options first.

Take advantage of what the Citizens Trust Bank CHOICE Account, Check-less, Cash-only, Debit Card account has to offer and say No to high check cashing Fees -negative banking experiences- and losing Cash. A better CHOICE is within your reach.

ATM Services
Online Services
Online Bill Payment
Check Cashing
Money Transfers

Overdraft Privilege – Direct Deposit

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.

IMPORTANT INFORMATION regarding Overdraft Privilege Accounts

Regulatory Requirements: ODP Opt-In
Federal regulations state that account holders have to give affirmative consent, or “opt-in” to having their non-sufficient funds transactions approved for ATM and everyday debit card transactions.

We will not authorize and pay overdrafts for the following types of transactions unless otherwise requested:

  • ATM transaction
  • Everyday debit card transaction

To continue the Overdraft Privilege service for ATM and debit card transactions your authorization must be received by choosing the Opt-In and give affirmative consent to the service for new and existing accounts.

Choose to “Opt-in” to the Overdraft Privilege service today.

Through your consent, opting in, you will not encounter any disruptions to your present Overdraft Privilege services.

To change your consent opting out will remove authorization for Citizens Trust Bank to approve ATM and everyday debit card transactions.

The Citizens Trust Bank Overdraft Privilege will continue to be available for checks, ACH, and automatic bill payments unless you do not want to participate in the Overdraft Privilege service in its entirety.

Contact Citizens Trust Bank Customer Service (678) 406-4000 to be removed from the Overdraft Privilege Service or visit any one of our convenient Financial Center locations.
Overdraft Privilege Services Discretionary Policy.

Direct Deposit

Not enough time to make it to the bank each payday? Not to worry, Citizens Trust Bank offers Direct Deposit into any checking or savings account. Your paycheck will be automatically deposited into the available balance of your account each pay period and can be withdrawn the same day from the ATM or from a quick visit to any of our convenient locations.