Beyond Basics Package


Ideal for

Value-minded customers who maintain relatively modest account balances, need both checking and savings accounts, and want to combine balances in order to avoid monthly maintenance fees.


Select one of the following options as your primary personal checking account:

  • Beyond Basics Checking
  • Select Benefits Checking

Select one of the following options as your secondary checking account:

  • Beyond Basics Savings
  • Money Maximizer

The package also requires you to maintain two or more of the following:

  • DirectNET℠ Consumer Online Banking1
  • Visa® Check Card
  • Money Reserve Account for Overdraft Protection
  • AmaZing Cash® Visa® Credit Card or AmaZing Rewards® Visa Credit Card
  • CB&T Home Mortgage


  • Avoid a Monthly Maintenance fee on the primary account by maintaining required balances.
  • No Monthly Maintenance fees on the secondary account.
  • 1 Overdraft Deposit Transfer fee reimbursed per statement period on your primary account.
  • 1 ATM Transaction fee waived per statement period on the primary account.2

Monthly Maintenance Fee

No charge if $5,000 combined average balance is maintained in package accounts (primary and secondary accounts); $15 otherwise.3

Monthly Paper Statement Fee

No charge if you opt out of paper statements in favor of eStatements for your primary and secondary accounts or maintain the required balances for those individual accounts; otherwise $2 for each account that is not enrolled in eStatements or does not meet that account’s balance requirements (if eligible).4


Apply in person at one of our locations.

1. DirectNET Consumer Online Banking services must be actively maintained by logging in a least once every 6 months.
2. Fee charged for using a non-CB&T ATM. ATM fees assessed by other financial institutions still apply.
3. If a Beyond Basics Checking account is chosen as the primary account, maintaining the balance requirements for the package will not waive any Excessive Transactions fees (in the amount of $0.75 per paid check) assessed for exceeding the check limits on that account.
4. Beyond Basics Checking does not allow for waiver of the Paper Statement fee by maintaining balances. If that account is included in the package, the Paper Statement fee can be avoided only by opting out of paper statements.
For additional applicable disclosures, please refer to the Personal Checking and Savings Options brochure.