Personal Savings

Save Confidently. Grow Steadily. Access Easily.

Whether you’re saving for the future, an emergency, or a specific goal, our personal savings accounts are designed to help you take the next step. At City Bank & Trust Company, we make it simple to start saving — and even easier to keep going.

Why Choose Our Personal Savings Accounts?

• Low Opening Balance: Start saving with just $100.
• No Monthly Service Fee: Maintain a $100 balance to avoid the $2.00 monthly charge.
• Earn Interest: Watch your savings grow with a competitive Annual Percentage Yield (APY).
• Easy Access: Make up to 3 withdrawals per quarter at no charge. Additional withdrawals are just $2.00 each.
• Digital Banking Convenience: Manage your savings 24/7 with free online banking, mobile banking, bill pay, and Access 24 telephone banking.
• ATM Access: Link your account to your City Bank VISA Debit Card for balance inquiries and withdrawals at ATMs.

Find the Right Savings Option for You

We offer a variety of personal savings accounts tailored to different life stages and goals:

• Basic Savings
  A flexible, interest-earning account that helps you build a habit of saving.
• Christmas Club
  Save all year for a stress-free holiday season. Funds are disbursed just in time for holiday shopping.
• Shoe Box Savings
  A fun and educational savings option designed for children to learn the value of money.

Explore each option to find the account that fits your lifestyle and financial goals.