Personal Checking & Savings

Personal Checking: full service checking

Simplified Checking: no monthly service charge

Golden Senior Checking(55 years +): interest bearing plus no monthly service charge, additional benefits

NOW Checking: interest bearing, unlimited transactions
Investment Checking: interest bearing, low activity

Personal Savings: interest bearing

Minor Savings (under 18 years): low opening balance

Mighty Moose Savings (12 and under): low opening balance,incentive savings program

Instant Cash & ATM Cards/Debit Cards

24 Hour Electronic Banking: Telephone and Internet banking



Business Checking & Savings Accounts:

Business Checking: interest earning credit available

Business NOW Checking: interest bearing, unlimited transactions, restricted ownership requirements.

Business Investment Checking: interest bearing, low activity

Business Savings: interest bearing

Merchant Bank Card Services

Instant Cash & ATM Cards/Debit Cards

24 Hour Electronic Banking,Telephone & Internet

Certificates of Deposit:

Central Bank & Trust offers a range of short and long term certificates of deposit. Terms range from 30 days to five years. There is a penalty for early withdrawal. Interest rates and disclosures available upon request.

For service charges and fee schedule, see disclosure.

Individual Retirement Accounts (IRA):

Central Bank & Trust offers Traditional, Roth, and SEP individual
retirement accounts. There are a range of terms available with either
fixed or variable rates.

For service charges and fee schedule, see disclosure.