Personal Banking
Covenant Bank and Trust offers a variety of checking and savings products designed to meet your needs. Check out the details below. We’ve even made it easy for you to change over any direct deposits or payments. Just click on the link to be directed to an easy to use switch kit.
No Fee Checking
Take advantage of the special features of this account - no monthly services charges and unlimited check writing!
- $100 minimum to open account
- No minimum balance
- No monthly service charge
- Unlimited check writing
- Free online banking
- Free debit card
- Free first order of Covenant Bank & Trust standard checks
- $5.00 discount on first order of other style checks
- 24-hour telephone banking
- Real-time deposits (deposits received by 5 p.m. on business day will be credited same day)
Choice Checking
Want unlimited check writing with a competitive tiered interest rate? This account is the perfect CHOICE for you!
- $100 minimum to open account
- No monthly service charge if daily balance remains above $500
- $5 monthly service charge if daily balance requirements are not met
- Interest paid on balance tiers:
- $0-$4,999
- $5,000-$9,999
- $10,000-$24,999
- $25,000-$99,999
- $100,000+
- $0-$4,999
- Interest is credited monthly
- Free binder for monthly statements
- Return of check images
- Unlimited check writing
- Free online banking
- Free debit card
- Free first order of Covenant Bank & Trust standard checks
- $5.00 discount on first order of other style checks
- 24-hour telephone banking
- Real-time deposits (deposits received by 5 p.m. on business days will be credited same day)
Club Account
With the Club Account, customers age 62 and over receive competitive monthly interest as well as many distinctive privileges.
- Must be at least age 62 to open
- $100 minimum to open account
- No monthly service charge if daily balance remains above $500
- $5 monthly service charge if daily balance requirements are not met
- Interest is credited monthly
- Competitive rates on CDs
- Free small (3x5) safe deposit box for first year
- Free Covenant Checks
- $5.00 discount on first order of other style checks
- Free binder for monthly statements
- Return of check images
- Unlimited check writing
- Free notary service
- Free photocopies
- Free cashier’s checks
- Free online banking
- Free debit card
- 24-hour telephone banking
- Real-time deposits (deposits received by 5 p.m. on business days will be credited same day)
- Bank by mail (envelopes & deposit tickets provided at no charge)
- Birthday club membership
Personal Savings
Save money for a rainy day or for a major purchase with a personal savings account.
- $50 minimum to open account
- No quarterly service charge if daily balance remains above $50
- $5.00 quarterly service charge if daily balance requirements are not met
- Up to six debits permitted per calendar month by law
- Interest is credited quarterly
- An excess debit fee of $2.00 will be charged for each debit in excess of six during a quarter
Personal Money Market
Explore a savings option with a higher interest rate. This account also gives you immediate access to your funds.
- $1500 minimum to open account
- No monthly service charge if daily balance remains above $1500
- Low monthly $7.50 service charge if daily balance drops below $1500
- Up to six debits permitted per calendar month by law
- An excess debit fee of $10.00 will be charged for each debit paid in excess of six during a monthly statement cycle
- Images provided with free binder
- Interest is credited monthly
Certificates of Deposit & IRAs
Put your money to work for YOU with a guaranteed return on your investment.
- $500 minimum to open account
- Available in a wide array of maturities
- Designed to earn higher interest rates for those who commit to a specific CD term
Still have questions? Call 706-764-3000 (main office) or 706-259-1200 (Dalton office) and ask for a customer service representative. We will be happy to assist you in finding the account that makes your needs.
Switch Kit
Building your new relationship with Covenant Bank and Trust is as easy as 1-2-3 !
