• Internet Banking
• Golden Presidential Club
• Courtesy Advance
• Safe Deposit Box Rental
• Night Depository Lock Bag
• Traveler's Cheques
• Check Services
• Other Banking Services
• Dial-A-Bank
• Automatic Teller Machines

INTERNET BANKING

Access your account information anywhere, anytime from www.cbtn.com. Safe and secure, you can see your balance and recent transactions or transfer funds between accounts 24 hours a day and basic account access is always FREE! Internet Banking also allows you to pay unlimited bills online for only $5.00 per month. Commercial customers can also transact direct deposit and direct billing with our Cash Management features at no charge.

GOLDEN PRESIDENTIAL CLUB

Designed for customers age 50 or over. Free membership by maintaining a $1,500 minimum balance in checking or savings account, or maintaining a $5,000 certificate of deposit, or any combination of accounts totaling $5,000, or pay a $10.00 monthly fee.

Benefits:

• No service charge on one Regular Checking Account.
• Individual Traveler's Cheques at no issue charge.
• Notary Public service at no charge.
• Golden Presidential Club Newsletter.
• Social gatherings and discounted regional trips.

COURTESY ADVANCE

Protect your credit and conduct your finances with confidence when using Courtesy Advance overdraft privilege. A Courtesy Advance limit may be assigned to your checking account. If you use Courtesy Advance, the bank's normal overdraft item charge for each transaction will be deducted.

Commercial Bank will honor your overdrafts if your account remains in good standing, eliminating the embarrassment of returned checks.

*Some restrictions apply.

SAFE DEPOSIT BOX RENTAL (not offered at all locations)

3 x 5 $30.00 yearly
5 x 5 $35.00 yearly
3 x 10 $55.00 yearly
5 x 10 $80.00 yearly
10 x 10 $105.00 yearly
10 x 18 $115.00 yearly

NIGHT DEPOSITORY LOCK BAG

• $10.00 per bag

TRAVELER'S CHEQUES

Two dollars per hundred commission charge on individual Cheques. Three dollars per hundred commission on Cheques for two.

CHECK SERVICES

• Cashier's Check $5 customer
• Certified Check $5

OTHER BANKING SERVICES AND FEES

• Wire Transfers
• Incoming Wire Transfer $5
• Outgoing Wire Transfer $30
• Foreign Outgoing Wire Transfer $75
• Photocopies $0.25 each
• FAX Outgoing $5 per page
• Incoming $10 per fax
• NSF/Overdraft Charges $30 per item
• Stop Payment Charge $30 per item
• Research Fee $30 per hour (one hour minimum)
• Foreign ATM Transactions $2.00 per transaction
• Account Cut Off Statement $1.00 per statement
• Tax Levy $40.00 per levy item

DIAL-A-BANK

A free, convenient service for our customers providing current account information by phone 24 hours a day. On your first call you'll be asked for your social security number and you will create a PIN. Have your account numbers handy for every call.

• Claiborne County, TN (423) 869-5187
  
• Union & Knox County, TN (865) 922-6242
  
• Bell County, KY (606) 248-0355
  
• Harlan County, KY (606) 574-8971
  
• TOLL Free (877)-248-0355
  

Dial-A-Bank provides account information from your mobile phone or any touch-tone phone. You can use Dial-A-Bank to inquire about balances, withdrawals and deposits from your checking or savings accounts. You can also use Dial-A-Bank to access information about your certificates of deposit and loan accounts, or to transfer funds between your checking and savings accounts.

Dial-A-Bank offers the ultimate in banking convenience by phone. It's easy to use, confidential, and gives you unlimited access to the account information you want most.

AUTOMATIC TELLER MACHINES

24 hour banking convenience available worldwide through one of these many networks:
- STAR  –  Cirrus   -   Visa  -  Plus  -  Pulse  -  American Express  -  Discover  -  Mastercard