Personal Checking
At Carroll Bank & Trust, we want to make it easy for you to manage your money.
Side by side comparison
We understand every person has a different set of requirements when it comes to their personal banking. This means varying needs for their personal checking account. That’s why we offer five different solutions to help you find the one that is right for you. Each account provides unique attributes, but what they all come with is personalized service whether at our branch, online or over the phone. Our dedication to customer service has made Carroll Bank & Trust what it is today.
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ChoiceChoice Checking
- No Minimum Balance
- Minimum Deposit
- Monthly Service Fee
- No Cash Back
- Earn Interest
- No Reimbursed ATM Fees
- LEARN MORE
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Choice 50Choice 50 Checking
- No Minimum Balance
- Minimum Deposit
- Monthly Service Fee
- No Cash Back
- Earn Interest
- No Reimbursed ATM Fees
- LEARN MORE
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KasasaKasasa Cash
- No Minimum Balance
- Minimum Deposit
- No Monthly Service Fee
- No Cash Back
- Earn Interest
- Reimbursed ATM Fees
- LEARN MORE
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Kasasa +Kasasa Cash Back
- No Minimum Balance
- Minimum Deposit
- No Monthly Service Fee
- Cash Back
- Earn Interest
- Reimbursed ATM Fees
- LEARN MORE
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65 +65 Plus Checking
- No Minimum Balance
- Minimum Deposit
- No Monthly Service Fee
- No Cash Back
- No Interest Available
- No Reimbursed ATM Fees
- LEARN MORE
| The Basics | ||
|---|---|---|
| No Penalties | $100 minimum deposit to open | No monthly service fee |
This account earns some great rewards:
- No minimum balance to earn rewards
- 3.00 % cash back on all debit card purchases that post and settle when qualifications are met
- Up to a total cash back of $7.50 per monthly qualification cycle when qualifications are met
- Refunds on ATM fees, Nationwide, up to $20.00 per monthly qualification cycle (and/or $4.99 per transaction
- Can be linked to high-interest Kasasa Saver account
How to Qualify for Kasasa Cash
To qualify, we ask you to do a few simple things you may already do during each monthly qualification cycle which are:
- Make at least 12 debit card purchases that post and settle to the account
- Have at least one ACH automatic transaction, like a direct deposit or bill pay, post and settle to the account
- Enroll in and agree to receive e-statements instead of paper statements
Even if you don’t qualify during a given cycle:
1) The account is still free. 2) You can try again next cycle to earn rewards, AND 3) The account still earns a base rate of 0.01% APY*
*APY= Annual Percentage Yield. APY’s accurate as of 11/24/2015. Rates are variable & may change after account is opened without notice. Overdraft & NSF fees may reduce earnings on the account.
Free Checking that pays high interest
| The Basics | ||
|---|---|---|
| No Penalties | $100 minimum deposit to open | No monthly service fee |
This account earns some great rewards:
- No minimum balance to earn rewards
- 2.00 % APY* up to a balance cap of $15,000 when qualifications are met
- The portion of your balance above $15,000 will earn 0.15% interest rate resulting in a range from 2.00% to 0.39% APY* depending on the account’s balance when qualifications are met
- 0.01% APY* if qualifications are not met
- Refunds on ATM fees, Nationwide, up to $20.00 per monthly qualification cycle (and/or $4.99 per transaction)
- Can be linked to high-interest Kasasa Saver account
How to Qualify for Kasasa Cash
To qualify, we ask you to do a few simple things you may already do during each monthly qualification cycle which are:
- Make at least 12 debit card purchases that post and settle to the account
- Have at least one ACH automatic transaction, like a direct deposit or bill pay, post and settle to the account
- Enroll in and agree to receive e-statements instead of paper statements
Even if you don’t qualify during a given cycle:
1) The account is still free. 2) You can try again next cycle to earn rewards, AND 3) The account still earns a base rate of 0.01% APY*
*APY= Annual Percentage Yield. APY’s accurate as of 11/24/2015. Rates are variable & may change after account is opened without notice. Overdraft & NSF fees may reduce earnings on the account.
| The Basics | ||
|---|---|---|
| 65 & Older | $100 minimum deposit to open | No monthly service fee |
- Not interest bearing
- Monthly Statement
| The Basics | |
|---|---|
| $100 minimum deposit to open | $5 Monthly Service Fee |
- Monthly Statement
- Tiered rate of interest
- Additional benefits at no extra cost
| The Basics | ||
|---|---|---|
| 50 & Older | $100 minimum deposit to open | $5 monthly service fee |
- Monthly Statement
- Tiered rate of interest
- Additional benefits at no extra cost
Equal Housing Lender
