410-778-1600 Main Branch | 410-778-2181 Morgnec Branch | 410-778-1600 Heron Point Branch

Our Personal Services

“Chesapeake Bank and Trust is as knowledgeable and personable as you can get.”

Personal Checking Accounts*

Special Checking

Making it our most flexible account, this checking account features no monthly maintenance fee or minimum balance requirement with a monthly ACH U.S. Treasury or payroll deposit (minimum $250).

Regular Checking

This account offers unlimited check writing with no monthly maintenance fee. There is no monthly minimum balance charge if you maintain a $500 daily balance in this account OR maintain $1,500 in a linked savings or money market account.

Money Market Checking

Our money market checking account allows you to earn interest through a tiered interest rate structure on balances of $1,000 or more, so as your balance increases, so do your earnings. In addition, enjoy the added benefits of four fee-free¹ foreign ATM transactions. Maintain a daily balance of $1,000 to avoid a monthly minimum balance charge.

Chesapeake Club Checking

Membership has many rewards. Enjoy tiered money market interest rates with balances of $5,000 or more. In addition, enjoy the added benefits of unlimited fee-free¹ foreign ATM transactions, a complimentary financial plan with annual review, $25 annual safe deposit box discount, free Chesapeake Club checks and free Cashier’s Checks. Maintain a daily balance of $2,500 to avoid a monthly minimum balance charge.


¹No CB&T fee. Others may apply. All accounts and related products are subject to various fees and charges. Complete account disclosures, including current interest rates and fees, are available upon request.
*$250 minimum required opening deposit for all checking and savings accounts.

Personal Savings Accounts*

Special Savings

Maintain a daily balance of $250 to avoid a monthly minimum balance charge.

Money Market Savings

Earn monthly interest based on a tiered interest rate structure. Maintain a daily balance of $1,000 to avoid a monthly minimum balance charge.

Chesapeake Club Savings

Premium interest rates tiered based on balance. Must have a Chesapeake Checking Account to qualify. Maintain a daily balance of $5,000 to avoid a monthly minimum balance charge.
¹No CB&T fee. Others may apply.


All accounts and related products are subject to various fees and charges. Complete account disclosures, including current interest rates and fees, are available upon request.
*$250 minimum required opening deposit for all checking and savings accounts.

Checking & Savings Conveniences

Free internet banking
Online Bill Payment

Visa Debit Cards

CB&T ATM Deposits

Mobile Banking

Certificates of Deposit and IRAs

Investment Certificates of Deposit**

We offer a variety of Certificate of Deposit accounts. With terms ranging from 3 to 60 months, it is easy to find an investment account that fits your needs. Please speak with a Customer Service Representative about our current rates and terms.

Individual Retirement Accounts

We offer several IRA savings plans, including Certificates of Deposit and Money Market accounts. Please speak with a Customer Service Representative to find the product that best suits your retirement planning needs.


**$1,000 minimum required opening deposit

We offer a variety of competitive loan solutions:

Residential Mortgages
Construction Loans
Lot Loans
Home Equity Loans
Vehicle
Boat Loans