FDIC Insured – Backed with the full faith and credit of the U.S. Government
Checking Accounts
Bank & Trust Company offers four different personal checking accounts: DiamondChoice, DiamondPlus, DiamondBasic , and DiamondNow
- 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! (In-house checks are no-charge to DiamondChoice customers.) You’ll also have surcharge-free access to both the MoneyPass (link is external) and Alphalink Alliance (link is external) 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 it’s included with DiamondPlus benefits! (included with DiamondChoice if receiving eStatements)
Seniors (65 years old and above) receive in-house printed checks and paper statements at no charge on any of our checking accounts.
DiamondChoice
Debit Card
eStatements
Online & Mobile Banking
Bill Payment incl. at no charge
(when receiving eStatements)
In-house Checks incl. at no charge
No charge for:
Stop Payments (limit 5/month)
Money Orders (limit 5/month)
Cashiers Checks (limit 5/month)
Regular fees will apply to any stop payments, money orders, & cashiers checks over the 5/mo. limit
$100 Minimum to Open
$6.50 Monthly Fee
DiamondPlus
Debit Card
eStatements
Online & Mobile Banking
Bill Payment
First 40 Checks n/c, then only $5/40 Checks
Cell Phone Protection
$10,000 Travel Accidental Death Insurance
Roadside Assistance
Shopping, Dining, & Travel Discounts
Grocery Coupons
Pharmacy, Vision, & Hearing Savings
*ID Protection & Monitoring
$100 Minimum to Open
**$6 Monthly Fee
**Reduce by $0.20 per posted debit card purchase to $0, ATM transactions not included.
DiamondBasic
Debit Card
eStatements
Online & Mobile Banking
$100 Minimum to Open
$0 Monthly Fee or $2 for paper statements.
DiamondNow
Debit Card
eStatements
Online & Mobile Banking
Variable Tiered Interest Rate
$2,500 Minimum to Open
$10 Monthly Fee if balance falls below $2,500
*For ID protection, you must be registered at www.BaZing.com (link is external), 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.
DIAMONDPLUS CHECKING PROVIDES BIG SAVINGS FROM OVER 300,000 NAME BRAND & LOCAL MERCHANTS!
SHOPPING DISCOUNTS
- Featured deals and email reminders every week!
DINING DISCOUNTS
- Find great deals anywhere you are!
TRAVEL DISCOUNTS
- Money saving deals on the road!
HEALTH DISCOUNTS
- Save on prescriptions, eye exams, eyewear, and hearing aids!
Retailers are not sponsors of this program or offers. Participating retailers are subject to change at any time and without notice.
CONVENIENCE & SECURITY
Bank Benefits
- Debit Card
- eStatements
- Online & Mobile Banking
- OneClick Bill Pay
- Checks (First Box, 40pk)
Cell Phone Protection
- For damaged and stolen cell phones
Bank Benefits
- $10,000 Travel Accidental Death Insurance
- Roadside Assistance
ID Monitoring
- Protect yourself from being a victim of identity theft
ID Protection
- Receive reimbursement for covered expenses to restore your identity, up to the maximum amount allowed
**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.
Diamond Money Market Account
| Minimum to Open | $2500 |
| Tiered rates based on daily collected balance of: | |
| $500,000 or more | Tier 1 |
| $250,000 to $499,999.99 | Tier 2 |
| $100,000 to $249,999.99 | Tier 3 |
| $50,000 to $99,999.99 | Tier 4 |
| $2,500 to $49,999.99 | Tier 5 |
| $ 2,499.99 or less | No Interest Paid |
$10.00 Monthly Service Fee if balance* falls below $2,500
An excessive debit charge of $10 per withdrawal will apply after 6 withdrawals in a statement cycle excluding loan payments made from this account to loans you have at Bank & Trust Company.
*Average daily collected balance during statement cycle
Saving Accounts
Diamond Savings
| Minimum to Open | $100.00 |
| Tiered Rates based on daily collected balance | |
| Tier 1 | $10,000 or more |
| Tier 2 | $2,500- $9,999.99 |
| Tier 3 | $100- $2,499.99 |
| No interest paid | $99.99 or less |
Available to both consumer & business customers
Diamond Kids Saving Accounts
(up to 18 years of age)
| Minimum to Open | $10.00 |
| No interest paid | $9.99 or less |
Bank & Trust Company also offers a Diamond Savings & Diamond Kids Savings 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.
Ask about our Diamond Up program
Like having a ‘digital change jar’! Available to customers with both a savings account and a checking account with a debit card, this allows you to round up debit card transactions to the nearest dollar and deposit the difference into your savings account. Must enroll to be included in program.
Regarding savings accounts, interest is compounded daily and paid quarterly. If combined with checking statement, interest is compounded daily and paid monthly. An excessive debit charge of $1 per withdrawal (for Diamond Savings or Diamond Kids Savings) will apply after 6 withdrawals in a calendar month excluding loan payments made from this account to loans you have at Bank & Trust Company.
Certificates of Deposit
Certificates of Deposit are considered a low-risk investment option, and they can be a good way to grow your savings predictably. We offer a variety of CD terms, from 3 to 60 months, and require a minimum of $1,000 to open, unless otherwise stated.
Call us at 800.930.3935 to find out what our current rates are, and if we are running any CD Specials.
Early withdrawal fees may apply.
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.
- Discount with Automatic Payment – $5.00
- Late Payment Fee – $10.00
- Lost Key – $25.00
- Drilling a lock (minimum) $125.00
| 3×5 | $25.00 | 4×4 | $25.00 | |
| 3×10 | $35.00 | 5×5 | $35.00 | |
| 5×10 | $55.00 | 10×10 | $95.00 |
