Columbus Bank and Trust Company

Really dire customer no-​service and expensive and impossible online banking. We tried to use this business account from another state and it’s impossible. They actually mail you some plastic token (and charge you $ 35 for it) to grant online access and it only works on Windows IE (!) and then only sometimes.
When we opened the account, they put our deposit in somebody else’s account. That took about a dozen phone calls to straighten out.
High minimums to avoid onerous fees, no interest, and we give up. We tried to close our account and faxed the notice to them. They can’t tell us if it arrived and when we call we get India and they say CB&T isn’t answering their inquiries, but they will return our call. Of course they don’t. Email — no response.
Keep your money in your mattress rather than use this place.

IMHO, this bank is for old school Columbus folks who don’t know any better.
If you travel around much you will be better served with a larger bank that has branches throughout the US. There are other Synovus owned affiliate banks around for no cost ATM usage but it takes effort to find them and they are usually few and far between.
So so customer service.
Terrible interest rates for savings/​money market accounts with high minimum balances. The money market account is a total joke. I moved my CB&T money market cash to INGdirect and went from approximately 0.3% yeild at CB&T to 3.8% yield at INGdirect. At the time the INGdirect (Orange savings account) savings rate was better than any CDs offered by CB&T and the money at INGdirect is readily available because it is in a simple savings account.
CB&T also has lots of fees including a monthly fee for online web access unless you keep a fairly high balance. I recently got hit with a rediculus «Online Banking Inactivity fee ($ 6.95)» because I didn’t use my online access. Online access is typically free at other banks.