CalBank Personal Advantage

Available to Individuals and Joint Tenants

• $100 minimum opening deposit requirement
• No monthly maintenance fee with a combined* average monthly balance of $18,000 in this account and the companion Personal MoneyPlus account; otherwise $20 combined monthly maintenance fee
• Tiered interest rate structure with higher rates than our Interest Checking account
• Unlimited Checkwriting on the CalBank Personal Advantage Checking Account
• Check Safekeeping or Check Imaging free of charge; otherwise $2 Canceled Check Return fee per statement period
• 3 free Cashier's Checks or Money Orders per month
• Free one-signature Travelers’ Cheques

Personal MoneyPlus Account (Required)

• No monthly maintenance fee as long as both accounts in the package are maintained; otherwise the same features, fees and transaction limitations (as shown on the MoneyPlus page) will apply

DirectNET^SMConsumer Online Banking (Optional)

• Free with Bil Pay (Individuals and sole-proprietors only)

*The average balance is determined on the day prior to the statement date each month.

This information is not intended to be the entire disclosure associated with these accounts. Complete disclosure of terms and service charges are available at any CB&T branch office and will be provided at account opening. For current rates or more account information, please ask a Financial Services Representative at any branch office.

Basic Checking

No Minimum Balance Required

• $200 minimum opening deposit requirement
• No minimum balance requirement
• $7.50 monthly maintenance fee, or $5.50 with Direct Deposit
• Unlimited Checkwriting
• Check Safekeeping required

This information is not intended to be the entire disclosure associated with these accounts. Complete disclosure of terms and service charges are available at any CB&T branch office and will be provided at account opening. For current rates or more account information, please ask a Financial Services Representative at any branch office.

Classic Checking

For Those 55 and Over

• $200 minimum opening deposit requirement
• No monthly maintenance fee
• No minimum balance requirement
• Free CB&T corporate style checks
• Free one-signature Travelers’ Cheques, Cashier's Checks & Money Orders
• Check Safekeeping or Check Imaging free of charge; otherwise $2 Canceled Check Return fee per statement period

This information is not intended to be the entire disclosure associated with these accounts. Complete disclosure of terms and service charges are available at any CB&T branch office and will be provided at account opening. For current rates or more account information, please ask a Financial Services Representative at any branch office.

Regular Checking

Flexible, Unlimited Checkwriting

• $200 minimum opening deposit requirement
• No monthly maintenance fee with $1,000 daily minimum collected balance, $2,000 average collected balance, or $3,000 combined minimum balance*; otherwise $9.00 monthly maintenance fee, or $7.00 with Direct Deposit
• Unlimited check writing
• Check Safekeeping or Check imaging free of charge; otherwise $2 Canceled Check Return fee per statement period

*Combined balance is the daily minimum balance in a CB&T Regular Checking account and the daily balance in a linked CB&T Basic Savings and/or Money Market account.

This information is not intended to be the entire disclosure associated with these accounts. Complete disclosure of terms and service charges are available at any CB&T branch office and will be provided at account opening. For current rates or more account information, please ask a Financial Services Representative at any branch office.

Cost Saver Checking^SM

Limited Checkwriting

• $100 minimum opening deposit requirement
• 8 checks per statement period
• No minimum balance requirement
• $4.00 monthly maintenance fee, plus $.75 excess check fee for each check paid over 8 per statement period
• Check Safekeeping required

This information is not intended to be the entire disclosure associated with these accounts. Complete disclosure of terms and service charges are available at any CB&T branch office and will be provided at account opening. For current rates or more account information, please ask a Financial Services Representative at any branch office.

Direct Deposit Checking

No Monthly Fee with Direct Deposit

• $200 minimum opening deposit requirement
• No minimum balance requirement
• The monthly maintenance fee is $9.00, but is waived if there is a direct deposit made during the statement period
• Unlimited Checkwriting
• Check Safekeeping or Check imaging free of charge; otherwise $2 Canceled Check Return fee per statement period

This information is not intended to be the entire disclosure associated with these accounts. Complete disclosure of terms and service charges are available at any CB&T branch office and will be provided at account opening. For current rates or more account information, please ask a Financial Services Representative at any branch office.

Interest Checking

Earns Interest

• $200 minimum opening deposit requirement
• No monthly maintenance fee with $2,000 daily minimum collected balance, $4,000 average collected balance, or $5,000 combined minimum balance*; otherwise $10.00 monthly maintenance fee, or $8.00 with Direct Deposit
• No minimum balance required to earn interest
• Unlimited Checkwriting
• Check Safekeeping or Checking Imaging free of charge; otherwise $2 Canceled Check Return fee per statement period

This information is not intended to be the entire disclosure associated with these accounts. Complete disclosure of terms and service charges are available at any CB&T branch office and will be provided at account opening. For current rates or more account information, please ask a Financial Services Representative at any branch office.