Investment Checking
Personal Checking Accounts
Earn More. Bank Smarter. Stay in Control.
At City Bank & Trust Company, our Investment Checking Account is built for individuals who maintain higher balances and want to earn more while enjoying the everyday flexibility of a checking account. With competitive tiered interest rates, check-writing privileges, and full digital access, this account blends convenience with growth.
Key Features of an Investment Checking Account
- Tiered Interest Earnings
Earn more as your balance grows with a tiered interest rate structure. The higher your balance, the higher your rate. - Check Writing Made Easy
Write up to 20 checks per month for free. Additional checks are just $0.20 each. - 24/7 Digital Access
Stay connected with Online Banking, Mobile Banking, and Access 24 Telephone Banking – all at no extra cost. - No Monthly Fee with Minimum Balance
Maintain a $2,500 balance to waive the $10.00 monthly maintenance fee.
Benefits of the Investment Checking Account
- Grow Your Balance with Ease Our FDIC-insured account lets your money work harder with competitive, tiered interest rates.
- Everyday Flexibility Enjoy check-writing privileges and seamless access via digital tools that fit your routine.
- Smart Money Management Whether you’re planning for the future or managing daily cash flow, this account provides a secure and flexible way to bank.
- Integrated Banking Options Combine your account with services like our Basic Savings Account for a complete personal banking experience.
How Tiered Interest Rates Work
The Investment Checking Account uses a tiered structure where interest increases based on your balance.
- Higher Balances = Higher Earnings
- Rates Adjust Automatically
- Interest Applies to Entire Balance
Learn more about how your deposits are protected through FDIC deposit insurance.
Account Requirements
Eligibility:
- Must be at least 18 years old
- Must be a U.S. resident
To Open an Account:
- $10,000 minimum opening deposit
- Valid government-issued ID
- Proof of address (e.g., utility bill or lease)
- Social Security Number
Opening your Investment Checking Account is easy. Visit one of our branch locations or contact us to get started.
Explore More Personal Banking Options
Not sure if Investment Checking is right for you? Visit our Personal Checking overview page to compare all our account types.
Ready to Open an Account
Experience checking accounts that reward you for saving. To open an account or learn more, apply online, contact us, or stop by your nearest City Bank & Trust branch.
Frequently Asked Questions
- How can I avoid the monthly maintenance fee?
Maintain a balance of $2,500 or more. - What is the minimum deposit to open an account?A $10,000 opening deposit is required.
- How are interest rates applied?
Interest is tiered; higher balances earn higher rates, applied to your full balance. - How many checks can I write per month?
You can write up to 20 checks per month for free. Each additional check is $0.20. - Can I access my account digitally?
Yes. You’ll have full access through Online Banking, Mobile Banking, and our Access 24 Telephone Banking service.
convenient banking with a little something extra!
Online Banking, Zelle, Card Control and more!
View all of the Lagniappe services your personal banking account offers.