Personal Banking


At Bank & Trust Company, we want to provide you with the best checking account type for your banking needs. So, we have a few questions for you to help identify what your needs really are.

  • Do you use a debit card?
  • Are you looking for ways to save money?
  • Are you concerned about identity theft?
  • Do you own a cell phone?

If you answered “yes” to any of these questions, DiamondPlus Checking might be just the account you’re looking for.


YOUR BENEFITS DiamondPlus DiamondNow DiamondBasic
Free Debit Card check check check
Free eStatement check check check
Free Online & Mobile Banking check check check
Free Bill Payment check
Free Checks (First Box, 40 pk) check
Cell Phone Protection check
$10,000 Travel Accidental Death Insurance check
Roadside Assistance check
Shopping, Dining & Travel Discounts check
Grocery Coupons check
Pharmacy, Vision & Hearing Savings check
ID ProtectALL Package + ID Monitoring check
Minimum to Open $100 $2,500 $100
Monthly Fee $6
or reduce by $.20
per swipe* to zero
if balance falls
below $2,500
or $2 fee for
paper statements
*ATM transactions
not included


Premier Savings Account

Minimum to open $100
Tiered rates based on daily collected balance of:
$10,000 or more Rate 1
$2,500 – 9,999.99 Rate 2
$100 – 2,499.99 Rate 3
$99.99 or less No interest paid
Choice Kid’s Savings
(up to 18 years of age)

Minimum to open $10
$9.99 or less No interest paid
Interest compounded daily and paid quarterly. If combined with checking statement, interest is compounded daily and paid monthly.
Withdrawals per month: some restrictions apply.