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City Bank & Trust Company

Personal Savings

Personal Savings Accounts at City Bank & Trust Company

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.

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Personal Savings at City Bank and Trust Company

At A Glance

personal Savings Accounts

Christmas Club

Christmas Club - Savings Accounts at City Bank and Trust

Shoe Box Savings

Shoebox Savings

convenient banking with a little something extra!

Online Banking, Zelle, Card Control and more!

View all of the Lagniappe services your personal banking account offers.