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Checking Accounts2019-01-04T18:33:59+00:00

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
Message Alerts
Mobile Banking
Online Banking
Overdraft Privilege

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

CHOICE Account

A better CHOICE is within your reach. Check-less, Cash-only, Debit Card account has to offer and say “No” to high check cashing Fees -negative banking experiences- and losing Cash. Visit one of our financial center locations to apply. 

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.