Personal Checking & Savings Account Types

Personal Checking & Savings Account Types

Checking Account Options

Bank & Trust Company offers three different personal checking accounts: DiamondPlus, DiamondNow, and DiamondBasic.

  • With each of our checking accounts, you'll receive debit cards, e-statements, and online & mobile banking for no additional charge.
  • Order checks online, by phone, or in our lobby anytime and we'll print them right away - only $5 for 40 checks!  You'll also have surcharge-free access to both the MoneyPass and Alphalink Alliance ATM networks.
  • Bank & Trust Company provides Mobile Deposit at no charge to all our mobile app users, and we have Apple, Samsung, and Android Pay for smartphone users.
  • Schedule and pay bills online - or right from your phone - with OneClick Bill Pay.  Only $4.95 per month for DiamondNow and DiamondBasic users, and we include it with DiamondPlus at no charge!

Use this guide to help you choose:

DiamondPlus Checking includes all these benefits, for a $6 monthly charge that you can reduce when you use your debit card for purchases.**

  • no-charge bill payment access
  • your first 40 checks free
  • a cellphone protection plan
  • $10,000 travel and accidental death insurance coverage
  • roadside assistance plan
  • shopping, dining and travel discounts
  • grocery coupons
  • pharmacy, vision and hearing savings
  • ID protection and monitoring*

 *For ID protection, you must be registered at www.BaZing.com, with an activation code provided by Bank.   For Cell Phone Protection, you must pay the monthly bill for the covered phone(s) out of your DiamondPlus account.
**Monthly membership fee is reduced by $.20 each time you make a purchase using your VISA debit card. Make thirty purchases that post to your account each statement cycle and the membership is $0.  ATM transactions do not apply
There is a $100 minimum to open an account, and a $6 monthly fee.  The fee can be reduced by $.20 per posted debit card purchase all the way to $0.  ATM transactions are not included toward fee reduction.

DiamondNow Checking is a tiered, variable rate interest-bearing account.  There is a $2,500 minimum to open an account, and a $10 monthly fee if the balance falls below $2,500.  For tier levels and rates, as well as method of interest calculation, please call 800.930.3935.

DiamondBasic Checking is a no-frills account. We will still include a debit card, online and mobile banking.  There is no monthly fee on this account if you opt to receive estatements, but there is a $2 monthly charge for paper statements.  The minimum to open is $100.

Apply for a new account online.

Interested in online banking or mobile banking?

 

Savings Account Choices

Bank & Trust Company also offers Premier and Kid's Choice Saving Accounts.  You may set up automatic deposits to your savings account to make saving money convenient and regular.  Transfer money between accounts with online or mobile banking.  ATM cards are also available for savings accounts.  Interest is compounded daily and paid quarterly.  If the savings acocunt statement is combined with a checking account statement, interest is compounded daily and paid monthly.  Some restrictions apply regarding the number of withdrawals per month.  Contact us at 800.930.3935 for more information.

Premier Savings requires a minimum of $100 to open. Tiered rates are based on the daily collected balance:

  • $10,000 or more - Tier 1
  • $2,500 to $9,999.99 - Tier 2
  • $100 to $2,499.99 - Tier 3
  • Under $100 - no interest paid

Kid's Choice Savings is an account for children up to 18 years of age.  There is a $10 minimum requirement to open; if the balance drops below $10, no interest is paid.

Apply for a new account online.

Interested in online banking or mobile banking?

 

Safe Deposit Boxes

In need of a Safe Deposit Box?  We've got a variety of sizes to meet whatever needs you may have, and a discount for setting up automatic fee payments.

Come talk to us and see what we have available.  (Not all branches have boxes available -  sizes available may vary by branch.)

 

Annual Fees

3×5

$25.00

3×10

$35.00

5×5

$35.00

5×10

$55.00

10×10

$95.00

$5.00 discount for automatic debit to account.