Personal Checking and Savings Options Brochure 2022

Personal Checking

Features & Benefits • Open your account with a minimum deposit of $50 • Earn a Premium interest rate on Checking, Savings, Money Market, and CD balances 9, 13 • Three (3) fees waived per statement month for transactions at non-CB&T ATMs. This includes refunding up to three (3) fees charged by other banks each statement month. 12 • No monthly maintenance fee for additional Savings or Money Market accounts linked to your relationship 8 • No fee for one (1) domestic wire transfer into your account each month • Prevent overdrafts with automatic transfers from an eligible deposit account or credit line. 18 • Use Online & Mobile Banking to manage finances on your time through a mobile phone, tablet or computer 2 • Skip the branch and deposit checks through your mobile device 3 • Move your money digitally with direct deposit, automatic withdrawals, and Zelle ® payments 4 • Shop anywhere Visa ® is accepted with your CB&T debit card or credit card, 10 including support for Apple Pay ® / Google Pay™ / Samsung Pay ®11 • Get cash when you need it with no charges at any CB&T ATM 12 • No fee for CB&T Cashier’s Checks Premium Interest Checking The Premium Interest Checking 9 account is filled with benefits designed to help elevate your personal financial management.

Fees Can the monthly fee be waived?

Yes, enjoy no monthly maintenance fee when you keep a combined deposit balance of at least $10,000 or a combined deposit and personal loan balance of $25,000 or more, otherwise $25. 6, 6b, 6c

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For additional applicable disclosures, please refer to pages 15 – 17

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