Community Trust & Banking Company is a locally owned and operated bank that provides a range of banking and investment services to consumers, small businesses and commercial organizations. It offers checking, money market and savings accounts, debit cards, ATMs and overdraft protection. The bank also features certificates of deposit and individual retirement accounts. Community Trust & Banking Company provides loans for automobiles, recreational vehicles, boats, loan tractors and personal use. In addition, the bank offers various additional services, including free Internet banking, monthly statement, cash management, electronic bills payment and direct payroll deposit. Community Trust & Banking Company is a member of Federal Deposit Insurance Corporation and maintains a location in Ooltewah, Tenn.