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 a Gift or $425 Bonus!¹

Oh, and here’s the cherry on top: because you were referred by a friend or family member, you can choose a gift or a $425 bonus¹ when you open a consumer 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! Once you're a client, you can get rewarded for every referral with a $250 refer-a-friend bonus!²

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

^{Bonus offer is valid between July 1, 2026 – September 30, 2026. Offer is subject to change or termination at any time without notice. BankOn Checking is not eligible for this offer. A minimum of $25 opening deposit required.}

^{1) Consumer Checking Account Bonus Offer:  Earn a $425 bonus or gift when you open a new consumer checking account, subject to approval, and meet all the following requirements for your account type within 90 calendar days of account opening (“qualifying period”).}

^{Consumer Checking Accounts (other than Step Up Teen Checking):}

• ^{A minimum of 15 qualifying Visa® debit card transactions have posted to your account;}
• ^{An aggregate of $500 in qualifying direct deposits have posted to your account.}
• ^{Account must be open a minimum of 90 days.}

^{Step Up Teen Checking Accounts (Age 18 and under):}

• ^{A minimum of 5 qualifying Visa® debit card transactions have posted to your account;}
• ^{Account must be open a minimum of 90 days.}

^{Qualifying Transactions: Debit card purchases must be point-of-sale transactions (ATM transactions do not qualify). Direct deposits must be qualifying electronic deposits; person-to-person transfers may not qualify. See full account terms for additional details.}

^{Bonus or Gift Options: New client may choose one (1) of the following bonus options when they open their new checking account: Yeti® Cooler (retail value $300), Solo® Stove (retail value $249), or a Ninja® Slushie Maker (retail value $299), or a $425 credit to the new account. Accounts opened online will automatically default to the $425 credit.  Bank reserves the right to substitute a gift of equal or greater value if advertised item becomes unavailable. Bonus will be paid within 30 days after the end of the 90-day qualifying period, if requirements are met.}

^{Additional Terms: This offer is limited to one bonus per tax identification number.  Customers who have previously received a new account bonus are not eligible. Offer cannot be combined with other offers. If under age 18, a parent or legal guardian is required as a joint owner. Early closing fee may apply. Bonus offer is only available to residents of Iowa.}

^{Consumer Checking Annual Percentage Yield (APY) will range from 0.00% - 4.00% depending on the account type that is opened. APY range is accurate as of July 1, 2026. Additional account requirements will apply to the Maxx Checking account to obtain the premium APY. Rate may change after the account is opened. Fees could reduce earnings. Visit www.communitybt.bank for more information on our consumer checking products.}

^{Ninja® is a registered trademark of SharkNinja Operating LLC.  YETI® is a registered trademark of YETI Coolers, LLC. Solo Stove® is a registered trademark of Solo Stove, LLC. These companies are not affiliated with or sponsoring this promotion.}

^{2) Refer-a-Friend offer details Refer a new client to open a checking account, subject to approval. Once the new client has met all requirements of the new checking account bonus offer and its qualifying terms, the current client will receive a $250 credit into their CBT checking account within 30 calendar days after the end of the 90-day bonus offer qualifying period, provided both the current client and referred accounts remain open at the time of payout. Bonus will be applied as a credit to the referring client’s account. New clients may not combine this with any other promotion. Existing clients can earn unlimited Refer-A-Friend bonuses. Promotion ends September 30, 2026 and is subject to change without notice.}