Accounts | Personal Checking

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Caldwell Bank & Trust Company has different checking accounts designed to meet the different needs of our individual customers. As an added bonus, Online & Mobile Banking, Online & Mobile Bill Pay, Visa™ Debit Card, and our CB&T Mobile App* are all available at no cost for any personal checking account. We are certain CB&T has an account that will provide you the best in checking.

*Data Rates May Apply

To make the choice easier, take a minute to review our Personal Checking Comparison.


Priority Personal Student (Student ID required) NOW NOW II
Minimum Opening $100.00 $100.00 $100.00
$100.00 $15,000.00
Minimum Daily Balance to Avoid Service Charge N/A $800.00 and over N/A $5,000.00 and Over
$10,000.00
Monthly Service Charge*
$10.00
Daily Balance Between $799.99 - $400.00 - $6.00 Monthly Service Charge

Daily Balance $399.99 and below - $8.00 Monthly Service Charge
N/A $5.00
$5.00
Interest Bearing



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VISA™ Debit Cards




Overdraft Services Available

Overdraft Services

Overdraft Services

Overdraft Services

Overdraft Services

Overdraft Services
Bill Pay





Electronic Statements or Paper Statements





Online Banking & Mobile Banking





Additional Benefits

Additional Benefits

Additional Fees May Apply (See Schedule of Account Fees)





*Customer's Age 62 and over no monthly service charge. (upon request)

**$1,000.00 Daily balance required to obtain Annual Percentage Yield (APY)

Important Information About Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.