Digital Banking Upgrades are on the way
Community Bank & Trust is making a significant investment in new technology, including the Mobile Community, as well as our internal systems, which power all our operations from opening accounts to servicing loans.
This strategic upgrade reflects our commitment to staying at the forefront of banking technology, enabling us to better serve you with more efficient and innovative digital banking tools.
On May 18th, we will be introducing a series of updates designed to enhance your overall banking experience.
While we anticipate a smooth transition to the new Mobile Community, there will be a brief period when online and mobile banking is unavailable during the transition. You will also be asked to take a few simple steps in order to access the new Mobile Community once all updates are in place.
Bank Access During Upgrade Weekend
The system upgrade will begin on Thursday, May 14th, with our new Mobile Community going live on Monday, May 18th.
| Bank Locations | All branches will be closed on Saturday, May 16th. Normal hours will resume on Monday, May 18th. |
| Mobile Community | The Mobile Community (online, mobile, and voice banking) will be unavailable from Thursday, May 14th at 11:00 AM until Monday, May 18th at 9:00 AM. |
| Contact Center | Call us at 254-753-1521 during our extended hours for assistance: Friday, May 15th: 8:30 AM - 6:00 PM Monday, May 18th - Friday, May 22nd: 8:00 AM - 7:00 PM |
| Debit Cards | Debit Cards will remain operational throughout the weekend. |
| ATMs | CB&T ATMs will be unavailable from Wednesday, May 13th at 6:00 PM until Thursday, May 14th mid-afternoon. Check here for updates. |
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General Concerns
Is anything about my checking or savings account changing? No, your checking and savings account numbers and account types are not changing.
Is my IRA or Time Deposit Account Number changing? Yes. You will have a new account number. Keep an eye out for a notice about this change in early June.
What if I need to initiate a wire transfer while the Mobile Community is unavailable between Thursday, May 14th and Monday, May 18th? Although online banking will be unavailable beginning at 11:00 AM on Thursday, May 14th, you can call us at 254-753-1521 on Thursday or Friday to initiate a wire transfer. You will be able to initiate wire transfers online again when the Mobile Community becomes available on Monday, May 18th.
Will incoming wires be processed during the upgrades? Yes. Incoming wires will be processed during this time with no interruption.
Will incoming ACHs be processed during the upgrades? Yes. Incoming ACHs will be processed during this time with no interruption.
Is anything about my statement changing? Yes. All checking and savings accounts will receive a statement as of May 14, 2026, and you will receive another statement as of May 31, 2026. Going forward, all statements will be as of your normal statement date. Look of your statements - Your statements will look slightly different going forward however they will contain the same information. -
Mobile Community
Will there be interruptions to the Mobile Community? Yes. Online, mobile, and voice banking will be unavailable from Thursday, May 14th at 11:00 AM until Monday, May 18th at 9:00 AM while upgrades are taking place on the backend.
How will I log in on Monday, May 18th after the upgrade? After 9:00 AM on May 18th, you can log in through cbtwaco.bank or on the mobile app as you do today using your existing Login ID/Access ID. Upon your first login, you will be asked to:
- Enter your existing Login ID/Access ID
- Validate your information such as your Social Security Number/Tax ID Number and Date of Birth
- Commercial Customers - You will also need to know a current account number
- Create a new Password/Passcode
- Set up Security Questions
- Opt-In to SMS texts or voice messages to receive your One-Time Pin (OTP)
Will I need to download a new Mobile App? Yes. On Monday, May 18th, you will need to download the new CBTWaco mobile app for your Apple or Android device. Check back here for direct links to download the new apps!
Will I need to re-establish recurring internal or external transfers? No, although we strongly encourage you log in to the Mobile Community on May 18th to review and confirm any existing recurring transfers.
Will I be able to see my statements in the Mobile Community? Yes, you will be able to view any new statements, as well as two years of prior statement history.
I've never had online banking, but I use a portal to view my statements online. Will that change? Yes, you will now need to enroll in Mobile Community to view your statements. You can enroll now, before the upgrades, by clicking here.
Will I be able to see my transaction history in the Mobile Community after the upgrades? Yes, you will be able to see up to two years of transaction history inside the Mobile Community.
Will I need to re-establish alerts I had set up in the Mobile Community, such as balance alerts and login attempt alerts? Yes. Any account or online banking alerts that were previously set up will not carry over after our upgrades. You can log in on Monday, May 18th to re-establish any alerts.
I am new to the Mobile Community! Can I enroll? Yes! There is no need to wait until our upgrades are over to enroll in the Mobile Community! You can enroll today by clicking here! -
Debit Cards
Can I still use my debit card between Thursday, May 14th and Monday, May 18th when the upgrades are taking place? Yes!
Will my PIN number change? No.
Will the upgrades affect CB&T ATMs? Yes. All CB&T ATMs will be unavailable from Wednesday, May 13th at 6:00 PM until Thursday, May 14th mid-afternoon. Check back here for updates! -
Bill Pay
Will I lose access to Bill Pay at any time? Yes, Bill Pay will be unavailable beginning Monday, May 11th. Any bill payments scheduled will process normally while Bill Pay is unavailable.
Will I need to re-establish Bill Payments? It depends. Any e-bills that are currently established will not be converted to the new system and will need to be re-established. Any other payment types you have currently set up in Bill Pay will be converted. You can log in to online banking on Monday, May 18th to view your bill payments and we strongly recommend you review what is set up.
What if I have a Bill Payment due during upgrade weekend when I cannot access the Mobile Community? If you have a payment set up to process between May 14th and May 17th while online banking is unavailable, that payment will process normally.
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Loans
Will my Loan Number change? Yes, your loan number is changing. Be on the lookout for a letter from CB&T notifying you of this change and your new loan number or call us at 254-753-1521 to learn more.
Will I need to re-establish my recurring loan payment? Any payments set up as recurring in the Mobile Community (CB&T's online banking) will be processed normally. Recurring payments from external sources will need to be re-established.
What if my loan payment is due over the upgrade weekend while online banking is unavailable? If you have a recurring loan payment set up, this will be processed as of Monday, May 18th. Loan payments will not be considered late until Tuesday, May 19th. -
Commercial Customers
Who can I call if I have issues with my commercial online access? You can call our new Commercial Customer Contact Center at 254-399-6299 and Teresa Gonzalez or Val Diaz will be happy to assist you.
Can I initiate ACH payments over the upgrade weekend? No, you will not be able to initiate ACH payments as the Mobile Community (online/mobile banking) will be unavailable from Thursday, May 14th until Monday, May 18th at 9:00 AM. All ACH payments need to be submitted by end of day on Wednesday, May 13th.
Can I initiate a wire over the upgrade weekend? Yes, although the Mobile Community will be unavailable on Thursday, May 14th at 11:00 AM and on Friday, May 15th, you can call us at 254-399-6299 to initiate a wire transfer.
What if I have incoming ACH or wires on Thursday, May 14th or Friday, May 15th? These will be processed normally.
Do I need to do anything if I use Intuit/Quickbooks/Quicken? Yes. Click here for instructions.
Will Remote Deposit Capture (RDC) be impacted by this upgrade? No. RDC will operate normally.
Will all my templates and user profiles be converted? Yes, all templates and user profiles will be transferred over. We strongly encourage you to log in to your accounts on Monday, May 18th to review profiles, accounts, and transfers.
Will my Account Analysis be impacted? No. Account Analysis remains unchanged; however, we are waiving all Account Analysis charges for May 2026 (you would have seen this charge on June 15, 2026). You will see your next Account Analysis charge on July 15, 2026.
Have additional questions?
We will be happy to answer any questions you have concerning these upgrades! Call our Contact Center at 254-753-1521 or click the "Let's Chat" button in the right corner to chat with someone during business hours.