Find the one that's right for you.

Because your checking needs vary depending on the size of your business and the balances you maintain, CB&T has designed six checking accounts that will fulfill the needs of any size business. Contact a business banking team member and they will assist you in determining the best value for your business.

Free Small Business Checking is for small businesses that do not plan to have an excessive amount of transactions each month and do not want to incur any monthly maintenance fees or carry a minimum balance. This account does not earn interest, but there is no monthly service charge on the account. Additionally, those customers who qualify for a Visa Business Credit Card will receive the first year fee waived.

Small Business Checking is for small businesses that do not plan to have an excessive amount of transactions each month. This account does not earn interest and there is no monthly service charge, but it does require a minimum monthly balance. This account is great for businesses just starting out and small businesses that make few deposits and/or withdrawals per month.

Business Interest Checking is similar to our Small Business Checking Account, but earns interest on two tiered levels. By law, only sole proprietorships and non-profit organizations can be placed in this account.

IOLTA Checking (Interest On Lawyers' Trust Accounts) is available to lawyers with escrow accounts. Lawyers who enroll in this program convert their escrow accounts to interest-bearing accounts. Interest earned on these accounts goes into a grant fund for non-profit, law related programs that benefit the public.

Commercial Checking is a convenient account for larger businesses and is subject to analysis fees. Analysis determines both the value of the account balance and the cost of providing services to you. An earnings credit based on a computed investable balance will be applied toward payment of bank service charges. Sweep account balances are not included in the earnings credit.

Sweep Accounts offer a time saving solution for business customers spending valuable time calculating their daily cash position and making investment decisions. We will help you determine a daily target balance for the business operating account and will work closely with you to review the target and make necessary adjustments as the business needs change. At the end of each business day, any collected funds in excess of the target balance, less any holds, are automatically invested in the Sweep Account. These funds are collateralized through a repurchase agreement using Bank owned investments. You will receive an investment confirmation each business day that provides the previous day's total investment sweep balances and collateral information.

Zero Balance Accounts (ZBA) give you greater control over your corporate cash flow. The Zero Balance/Target Balance Account service helps you reduce costs and save time managing multiple accounts when you centralize the entire account structure. A ZBA structure eliminates idle account balances by linking the demand deposit accounts, which we set up as ZBAs, to a master funding account. After the transactions are posted for the day, funds in the master account are moved automatically into the ZBA to fund account activity. With a ZBA, you will eliminate idle balances, improve cash flow and reduce the cost and time associated with making manual transfers.