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Citizens Bank & Trust Company is committed to offering straightforward banking solutions which will provide you peace of mind and security.  All checking accounts are designed to make banking easier for you, providing all of these convenient benefits:

  • Free Online Banking & Bill Pay
  • Free Visa Check Card
  • Unlimited Check Writing (except Advantage Money Market)
  • Unlimited CB&T ATM Use
  • Free 24/7 Automated Telephone Banking – Call 434-292-1033 or 1-800-436-5899
  • Free Automatic Transfers
  • Free Direct Deposit


  • $2500 Minimum deposit to open account
  • $2500 Average daily balance required to avoid monthly maintenance fee
  • Interest bearing account
  • Interest credited to the account monthly
  • Transactions are limited to six per month with no more than three transfers by check, draft, check card, or similar order to third parties (exceeding these limits will result in a per item fee regardless of balance)
  • Checks and deposit slips are available upon request (check printing fees apply)
  • Monthly statement with images
  • Balance tiers determine interest



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