- Personal Banking
- RatesChecking AccountsOrder Checks OnlineSavings AccountsCertificates of DepositCDARSIRAsHSAsAdditional ServicesLoans
- Business Banking
- RatesLoginCash ManagementChecking AccountsOrder Checks OnlineSavings AccountsAdditional ServicesLoans
- Trust & Investment Services
- OverviewTrust Accounts LoginRetirement Accounts LoginFull Service Brokerageiconnect2invest
- Calculators
- LoanMortgageRetirement PlanningKids Calculator
- Customer Education
- Identity TheftInternet Gambling LawsDebit Card QuestionsFrauds and ScamsComputer SecurityOnline Banking Is SafeLearn About FDIC InsuranceABAMyMoney.org
Personal Savings Accounts
Central Bank and Trust Co. offers a variety of personal savings options to meet your individual needs. Listed below are two of the accounts we offer.
| Personal Savings Accounts | ||
|---|---|---|
| CENTRAL SAVINGS PERSONAL | MARKETIER ACCOUNT | |
| Minimum Opening Deposit | $100 | $2,500 |
| Balance Requirement | $50 | $2,500 |
| Monthly Maintenance Fee | $3 maintenance fee if daily ledger balance falls below $50 | $15 maintenance fee if daily ledger balance falls below $2,500 |
| Interest | Yes-paid quarterly on daily collected balance | Yes-paid monthly on daily collected balance; tiered rate structure |
| Imaged Statements | No | Yes |
| Withdrawal Limitations | Three free withdrawals per month; $1 per withdrawal over three | Maximum six withdrawals per month ($10 per item fee for excessive non-qualifying transactions) |
| Age Requirement | None | None |
| Additional Benefits | Monthly maintenance fee for a child's account is waived until the child's 18th birthday. | Rate increases as the balances increase |
Central Savings
A Central Bank and Trust Co. savings account makes good sense for everyone. It doesn't matter how large or how small your account is, you're saving...and that is what's important! Central savings accounts earn competitive interest rates and are FDIC insured up to $250,000.
- Minimum opening deposit of $100
- No maintenance fee if daily ledger balance is over $50
- $3 monthly maintenance fee if daily ledger balance falls below $50 during the month
- Interest paid quarterly on the daily collected balance
- Withdrawal limitations:
- Three free withdrawals per month
- $1 per withdrawal for each item over three
Electronic Funds Transfer Disclosure
Account Terms and Conditions
Truth in Savings Disclosure
Fee Schedule
Deposit Rates
Apply Now
Marketier Account
Those who want to earn substantially more interest as their account balance grows will appreciate the benefits of this account, tiered for increased interest rates.
- Minimum opening deposit of $2,500
- No maintenance fee if daily ledger balance is over $2,500
- $15 monthly maintenance fee if daily ledger balance falls below $2,500 during the month
- Interest rate automatically rises as account balance reaches $15,000, $25,000, $50,000, $75,000, $100,000 and $500,000
- Interest earned and paid monthly on the daily collected balance
- Withdrawal limitations:
- Six free withdrawals or transfers per month
- $10 per withdrawal for each non-qualifying transaction
- Imaged statements
Electronic Funds Transfer Disclosure
Account Terms and Conditions
Truth in Savings Disclosure
Fee Schedule
Deposit Rates
Apply Now
