At Community Trust we recognize that "Knowledge is Power" and that's why we have provided these Frequently Asked Questions and Bank Definitions. If you have a suggestion for content on this page, or if you have a question that is not covered, please contact us at info@commtrustbank.com. Q: Are Community Trust deposit accounts FDIC insured? A: Yes! NOTICE OF CHANGES IN TEMPORARY FDIC INSURACE COVERAGE FOR TRANSACTION ACCOUNTS All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules. The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts. For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov. Q: How do I set up Direct Deposit of my payroll check? A: After your Community Trust Bank checking application has been approved, you will receive Community Trust's routing and transit number and your account number. If your employer participates in a direct deposit program, simply provide this information to the human resources or payroll department at your company and your direct deposit will usually begin within thirty days. Q: How do I set up Direct Deposit of my Social Security check? A: After your Community Trust Bank checking application has been approved, you will receive Community Trust's routing and transit number and your account number. Simply call 1-800-772-1213 and have your social security number and account information available to set up your direct deposit right over the phone. Q: Can I get information about my account by phone? A: Yes! Our 24-7 Bankline is available by calling 423-238-3450 anytime day or night. Our Account Representatives are available daily between the hours of 8:30 a.m. & 4:00 p.m. Monday through Thursday, and 8:30 a.m. - 6:00 p.m. Friday. Simply call 423-238-1111. Q: Can businesses have accounts at Community Trust? A: Yes! The Community Trust Business Banking Team will provide a free analysis of your banking needs and we'll let you know how we can save you time and money. Contact us to arrange an appointment. Q: Can I open an account if I don't live in the US? What about if I live in the US but am not a citizen yet? A: At this time we only accept applications from persons residing within the United States with valid US tax identification numbers. If you have questions, Contact us. We'd like to hear from you. Q: Can I do all of my banking with Community Trust? A: Yes! Thanks to the convenience of Direct Deposit, ATMs, and the advantage Visa Checkcard, everyday-banking activities can be preformed from the comfort of home. Contact us with questions about your banking needs. Q: Is there any interest on Community Trust Bank checking accounts? A: Yes! If you want an account that pays a market rate of interest, check out our Interest Bearing Checking Accounts or our Money Market Accounts. Q: How do I make a deposit to my account from a remote location? A: You can do most of your banking by using direct deposit or ACH (Automated Clearinghouse) transactions. Community Trust Bank also offers a bank-by-mail service that allows you to mail non-recurring deposits. Contact us for details on a method that's best for you. Q: I'm still hesitant about banking online. Can other people see my account information? A: Your account information is at least, if not more, secure as it is at your physical brick and mortar bank. We've taken every step possible to be sure our system meets the latest security standards, including using the latest security encryption methods and software. Q: How frequently is my Community Trust information updated? A: Community Trust updates all customer information nightly. Whether you access our NetTeller Internet Banking, the 24-7 Bankline, or our contact us directly, your account information is updated daily to reflect all account activity. Q: Can I look at all of my transactions at any time? A: Yes, with our NetTeller Internet Banking section and our 24-7 Bankline, you have access to your account information 24 hours a day, 7 days a week!