Personal Banking in Winter Park That Fits Your Life
Your financial life doesn't fit a rigid template. Neither should your bank. At CB&T, personal banking in Winter Park means enjoying all the benefits of a real partner. You are our neighbor, not just a number. Whether you're saving for your first home, building up your emergency fund or just trying to make your money work a little harder, we're here for the whole picture. Not just the transaction. Since we're community-owned and FDIC-insured, your deposits are protected and your decisions are only made right here locally in Winter Park.
Local decision making matters. It means faster answers, personal guidance that actually fits your family's situation and flexible personal banking.
Accounts & Services
Personal Banking Products
Checking Account
Your checking account should work as hard as you do. Our personal checking accounts are easy to access with innovative tools that keep your day-to-day finances clear. Pay your bills. Use your debit card around town. Deposit checks effortlessly and move on with your day. Our online and mobile banking are easy to navigate, so you're never scrambling to figure out your balance. No confusion. Just total convenience.
Learn MoreCDs (Certificates of Deposit)
Have a goal with a deadline? Our CDs were made for that. Whether you're saving for a dream vacation, a home upgrade, or something else you haven't fully planned yet, a CB&T CD gives you a safe place to grow your money while your principal stays protected. Fixed terms. Fixed rates. Just a clear plan and a date on the calendar. We offer a range of CD terms so you can match your savings to your timeline, not the other way around.
Learn MoreMoney Market Account
Our Money Market Account is built for liquidity and earnings, without having to choose. It's a smart home for larger everyday balances or funds that you might need in the next month or two.
Learn MoreSavings Account
It's a great fit for your emergency fund, a big life event or that “someday” plan that's finally becoming a “very soon” plan. It's safe, FDIC-insured and ready for you when you need it.
Learn MoreSafe Deposit Box
Some things are too important to stuff in your filing cabinet. Important documents, jewelry, family heirlooms and keepsakes deserve real security. CB&T's Safe Deposit Boxes give you a secure space for your valuables. You can access your safe deposit box conveniently during business hours. And when you're not there, you'll have peace of mind that what matters most is protected by 24-hour security.
Learn MoreWhy Commerce Bank & Trust
Why Choose CB&T for Personal Banking in Winter Park?
You have options. We know that. What sets CB&T apart isn’t a feature list. It’s the way we show up.
Common Questions
Frequently Asked Questions About Personal Banking in Winter Park
What documents do I need to open a personal checking or savings account?
You will need a valid government-issued photo ID, your Social Security number or individual taxpayer ID, and a current address.
Opening a joint account? Each owner will need to bring their own ID and information. We’ll walk you through all the rest.
Can I access my accounts online or from my phone?
Are my deposits insured?
How do I choose between a Money Market Account and a CD?
It comes down to one question: do you need access to the money before a specific date? If you want flexibility, a Money Market Account is the right fit. It keeps your money accessible while still earning interest.
If you have a clear goal with a timeline (a vacation, a home project, a future expense), a CD typically offers a higher rate in exchange for committing the funds until the term ends. More discipline equals more reward.
Not sure which fits your situation? We’re happy to talk it through.
The power of local banking
Whether you’re opening your first checking account or rethinking where you should park your savings for maximum growth, we’d love to help you build a banking relationship that actually fits your life in Winter Park and the beautiful surrounding areas.