Personal Checking

• Unlimited transactions, without per check charges
• Minimum balance to avoid imposition of fees - A service charge fee of $8.00 will be imposed each statement cycle if the average daily balance* for the statement cycle falls below $500.00.
• Minimum deposit to open account - You must deposit $50.00 to open this account.
• Account may receive pre-authorized credits and direct deposits
• Receive a descriptive statement each month that details your deposits, withdrawals, and transfers
• 24-hour access to your account via the ATM network or VISA® Checkcard with no transaction fees at Community Bank & Trust Co. machines
• 24-hour access to your account via Klick^sm Internet and InTouch^sm Telephone Banking - check account balances, transfer funds between accounts, and view/hear recent transactions

*The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.