Personal Checking
At Carroll Bank & Trust, we want to make it easy for you to manage your money.
-
Club
- No Minimum Balance
- Minimum Deposit
- Monthly Service Fee
- No Cash Back
- Earn Interest
- No Reimbursed ATM Fees
- LEARN MORE
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Personal
- No Minimum Balance
- Minimum Deposit
- Monthly Service Fee
- No Cash Back
- No Interest
- No Reimbursed ATM Fees
- LEARN MORE
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Growth
- No Minimum Balance
- Minimum Deposit
- No Monthly Service Fee
- No Cash Back
- Earn Interest
- Reimbursed ATM Fees
- LEARN MORE
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Rewards
- No Minimum Balance
- Minimum Deposit
- No Monthly Service Fee
- Cash Back
- No Interest
- Reimbursed ATM Fees
- LEARN MORE
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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 during the cycle period for purchases totaling under $250.00
- $7.50 cash back on debit card purchases that post and settle during the cycle period for purchases totaling $250.00 and up. This is the maximum reward amount.
- Refunds on ATM fees, Nationwide, up to $20.00 per monthly qualification cycle (and/or $4.99 per transaction)
How to Qualify for Twin Oaks Rewards
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. 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
- 1.9803 % APY* up to a balance cap of $15,000 when qualifications are met
- The portion of your balance above $15,000 will earn 0.1515% 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)
How to Qualify for Twin Oaks Growth
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. For detailed information visit, www.clubchecking.com
| The Basics | ||
|---|---|---|
| Balance over $500
No Monthly Service Charge |
Balance $499.99-$300
$6.00 Monthly Service Charge |
Balance $299.99 and under
$7.00 Monthly Service Charge |
Equal Housing Lender
