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Our Gift to You!



Opening an account online will default to the $200 credit. To receive promotion, use promo code: Financial Fitness when asked who referred you!

*Annual Percentage Yield will range from 0.00% - 3.33% depending on the account type that is opened. Rate may change after account opening. Fees could reduce earnings. APY range is accurate as of 3/1/23 and is not an introductory rate. Premium rate accounts have requirements that must be met in order to receive the premium rate and are detailed in the specific account disclosure. New client gets to choose one of the following: Apple Watch SE(retail value $249.99), Bowflex Selecttech 552 Dumbbell (retail value $214.99) or a $200 credit to the account. The gift must be picked up at our Downtown Waterloo location (422 Commercial Street, Waterloo, IA 50701). Gifts will not be shipped. If the $200 credit is selected, it will be applied as a credit to the customer’s account once the gift requirements have been met.  The gift is eligible for pick up within 30 days of when the following occur: the account has been open a minimum of 30 days, a reoccurring ACH transaction has occurred, the debit card has been used and the account has a positive balance. The account must be active in order to be eligible for the gift. Requirements must be met within the first six months. Client cannot have closed a CBT checking account within the previous 12 month period. Customer will be notified by the bank when they have met the requirements and are eligible to pick up their gift. If you do not pick up your gift within 30 days of being notified, your gift will default to the $200 credit to the account. Accounts opened online will automatically default to the $200 credit. Only new checking account clients are eligible. Cannot be combined with any other offers. Minimum opening deposit requirements range from $25 - $100, depending on the checking account type. (For Example, Step Up Teen Checking minimum - $25 and GO Checking minimum - $100). Must be an Iowa resident. **Refer-a-Friend details: The current client will receive a $100 credit into their CBT checking account only after the new client has met these requirements. New clients may not combine this with any other promotion. Refer-a-Friend bonuses are unlimited per client. Bonuses and gifts will be reported to the IRS as applicable. Promotion ends 4/15/23. Member FDIC.

Promo buckslip cover

Pick Your Gift!

Open a NEW CBT Checking Account and Choose Your Gift!

  • Apple Watch SE
  • Bowflex Selecttech Dumbbell
  • $200

 Opening an account online will default to the $200 credit. To receive promotion, use promo code: Financial Fitness when asked who referred you!


DOUBLE REFER A FRIEND BONUS! Simply refer a friend to open any new checking account with Community Bank & Trust and you’ll receive $100!** Unlimited referral bonuses! 

Promotion ends 4/15/22.

Additional CBT tools to help you & your friends stay on top of finances: