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Welcome to the Community Bank & Trust Family!

Hey there! We’re so excited that you’re considering joining Community Bank & Trust. We know you’ve got a lot of options when it comes to banking, but let’s be real—none of them are quite like us. We’re not just a bank; we’re your neighbors, your friends, and we proudly serve the Cedar Valley. We’ve got that perfect mix of local love and big bank benefits that’ll make you wonder why you didn’t switch sooner!

5 Reasons to Make the Move Today:

  1. We’ve Got the Numbers: We’re a leading bank in the Cedar Valley! Our customers trust us, and we’re sure you will too.
  2. Cutting-Edge Tech: Enjoy our state-of-the-art mobile and online banking. Banking from your couch? Yes, please!
  3. Trusted Transparency: Say goodbye to hidden fees. Enjoy free bill pay, debit card controls, and credit score monitoring—all in one place.
  4. More ATMs, Less Hassle: With over 55,000 ATMs nationwide, you’re never far from your money.
  5. Convenient Locations: With 8 branches in Cedar Rapids and the Cedar Valley, we’re always nearby when you need us.

We Get It—Switching Banks Can Be a Hassle…

…but not with us! We’ve made opening an account a breeze with our online process that takes less than 2 minutes to complete. Seriously, you could do it on a coffee break. Plus, our handy ClickSwitch service helps you seamlessly transfer all your automatic payments and bill pay settings, so you can hit the ground running with your new account.

And if you’re more of a face-to-face person, we totally get it. Come visit us at one of our convenient branches or give us a call at (319) 291-2000. We’re here to make your switch as smooth as possible!

Refer a Friend, Share the Love, Earn $300!1!

Oh, and here’s the cherry on top: because you were referred by a friend or family member, you can get a new $300 bonus1 when you open a MAXX Checking™ account. It’s our way of saying thanks for trusting us and making Community Bank & Trust a top bank in the Cedar Valley. Just make sure to add your friend’s name in the promo code area when you’re opening your account online—it’s that easy!

So, what do you say, ready to make the switch?

Compare Accounts and Open Online in minutes!

1 New Client Bonus Offer:  $300 bonus will be paid or given within 30 calendar days after all of the following occurs, provided the account has been open a minimum of 30 calendar days: 1) Open a new qualified Maxx checking account, which is subject to approval; 2) a reoccurring direct deposit or direct debit, made through the Automated Clearing House (ACH) network, is set up with a minimum of $250 per month, posted per statement cycle; 3) The debit card has been used at least once during that same statement cycle. Direct deposit ACH examples are, but not limited to, an electronic deposit of your paycheck, pension or government benefits from your employer or the government.  Person to person or Account to Account payments (such as, but not limited to, Zelle, Venmo or CashApp) are not considered a direct deposit.  Direct debit ACH examples would be, but are not limited to, a car payment, mortgage, rent payment or another household bill.  

Additional terms of the bonus offer include: Account must be opened a minimum of 30 calendar days, be active and have a positive balance at the time bonus is paid, which will be applied as a credit to the new account.  Requirements must be met within 3 months of account opening.  Client cannot have a previously closed checking account with either Community Bank & Trust or Cedar Rapids Bank & Trust within the past 12 months.  Only new Maxx Checking™ Account clients eligible.  Limit One New Account Bonus per client per account. Cannot be combined with other offers.  Account only eligible for Iowa. Promotion ends 12/31/2025 and is subject to change without notice.  All bonuses and offers will be reported to the IRS as applicable.  Client will be responsible for applicable taxes on this bonus.  Consult your tax advisor.  

MAXX Checking™ Annual percentage yield (APY). Rate may change after account opening. APY is accurate as of January 1, 2025, and is not an introductory rate. Rates will be paid only for that portion of your daily balance in each tier. 3.33% APY is for daily balances up to $25,000. To obtain the premium APY and ATM refunds, you must have an opening deposit of $100 and meet the following requirements for the MAXX Checking™ account: 1) a minimum of 15 Visa® debit card transactions posted per statement cycle (excludes ATM transactions); 2) Set up a minimum of one direct deposit or debit; 3) Enroll in Personal Online Banking; 4) Receive monthly statements for this account electronically. An interest rate of 3.28% will be paid only for that portion of your daily balance that is $25,000 or less. The APY for this tier will be 3.33%. An interest rate of .50% will be paid only for that portion of your daily balance that is greater than $25,000. The APY range for this tier will be 3.33% to 1.07%. If your daily balance is $25,000 or less and you have not met the account requirements, the interest rate and annual percentage yield paid on that portion of your balance will be .10% APY. If your daily balance is greater than $25,000 and you have not met the account requirements, the interest paid on that portion of your daily balance will be .01% with an annual percentage yield range of .10% to .03%. Limit one Vault or MAXX Checking™ account per Tax Identification Number. Valid email address required. A $5 statement fee will be assessed on all accounts that do not sign up for e-statements within 90 days of account opening. Fees may reduce earnings.