Personal Checking


Affordable and Flexible Checking Accounts That Make Sense

The personal checking account that you choose should make sense for the way you live and how you manage your finances. At Community Bank & Trust of Florida, we have several options to choose from – whether you’re looking for an account with no monthly maintenance fees, one that can earn interest or an account that links your entire banking relationship for additional benefits.

 Classic Value
$50 $100 $100
$0 $5 $18
(waived if minimum daily balance is at least $10,000, or a minimum daily balance of $25,000 in related accounts)
(earned with minimum daily balance of $1,500)
(based on account balance)
Free Checks No First Order Yes
(non-duplicate Premier style)
  • Additional
  • Unlimited check writing
  • Free check images with statements
  • Unlimited check writing

  • Free cashier's checks
  • Free check images with statements
  • Free standard size safe deposit box rental *
  • Unlimited check writing

*FDIC does not cover safe deposit boxes or their contents

«Click Here for Personal Products & Services Disclosure and Fee Information«

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Benefits and Features of Your Community Bank & Trust of Florida Relationship

Your Community Bank & Trust of Florida benefits go far beyond the accounts that you choose. Each of our customers get first-rate customer service and the chance to have online and mobile banking, telephone banking and more. Here are just a few of the features that your banking relationship can give you:

ATM and Debit Cards
Your VISA® debit card gives you a convenient way to access your money, and is safer than carrying cash or writing checks. Use it to withdraw cash from an ATM or make purchases anywhere Visa is accepted.

Fee-free ATMs
Use your ATM card to withdraw cash with no fee at any Community Bank & Trust of Florida or Presto ATM at locations throughout the Marion, Sumter and Alachua County areas, including Publix Supermarkets.

Direct Deposit
You can have your paycheck or Social Security checks conveniently deposited directly into your account without traveling to the bank or worrying about mail delays.

Live Customer Service
To us, personal service means talking to people directly, so when you call Community Bank & Trust of Florida during business hours your calls will be answered by one of our employees. No matter which branch you call, there will be someone there that can help and you won’t be lost in an automated system.

Telephone Banking
It’s easy, convenient, and just a phone call away. You can bank by phone 24 hours a day, 7 days a week using our Telephone Banking. Just call 855-601-8838 and the automated system will guide you through a simple menu of options. Telephone Banking offers fast access to your accounts and enables you to conduct many transactions using our voice-activated banking system. Check balances and recent activity on your accounts, get information on your loans and transfer funds and do it from wherever you are, even if you’re not near a computer!

Debit Alert
Take a stand against fraud and get peace-of-mind. Debit Alert is a fraud protection alert notification program that allows you to receive secure text and/or email messages any time your debit card is used, so you can feel secure in knowing that you won’t be caught off guard by unauthorized transactions. Your carrier’s data and message rates may apply.

Overdraft Protection
There’s no longer any need to worry if you couldn’t get to the branch to make that deposit or if you forgot about that automatic withdrawal. When you enroll in our convenient overdraft protection, funds automatically transfer from your savings, money market account or another checking account to cover overdrafts. Fees and transaction limitations apply.

Smart Save®
Now you can save even when you spend. When you enroll in the Smart Save® program, any Community Bank & Trust of Florida Visa® debit card purchase you make will be rounded up to the next dollar and the difference will be transferred from your checking account to your savings or money market account.

Fast Pay
If you have an account with Community Bank & Trust of Florida with online banking, now sending money to people you know is a snap, no matter where they are in the U.S. or where they bank. No need to set up and link your bank account through another service. Fast Pay can do it all. Sign up for Fast Pay through Online Banking

If you’re already a Community Bank & Trust of Florida customer, be sure to take advantage of all of these features. If you haven’t opened up your account yet, stop by any of our branch locations in Ocala, Gainesville, Belleview, Summerfield and The Villages today.



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