GO Checking - NOW 4.00 APY!

Finally an account that moves as quickly as you do.

We've heard YOUR concerns about low earning checking accounts in the Cedar Valley - so CBT has RAISED OUR GO CHECKING ACCOUNT TO 4.00% APY! A free checking account that NOW EARNS 4.00% APY¹ and utilizes our advanced technology services. Keep getting the most out of life with GO Checking. Go Digital. Go Paperless. Go Checking.

Love CBT? $100 Refer a Friend Bonus starting 2/1/20 - 3/31/20! Refer a friend to open any checking account with Community Bank & Trust and you’ll both earn $100. Click here to learn more.


  • NOW 4.00% APY!! on balances up to $10,000¹
  • Requirements:
    • Online Banking
    • Mobile Banking
    • eStatements
    • 10 Visa debit card transactions each posted statement cycle totaling a minimum of $100*
    • At least one direct deposit or debit each statement cycle. Direct deposits/debits must meet a cumulative minimum of $250


Eliminate cash and checks with our advanced digital features

  • Person to Person Payment
  • Mobile Deposit
  • eStatements
  • Check Balances
  • BillPay
  • Touch ID
  • Verification Codes
  • Make Real Time
  • Transfers
  • Debit Card On/Off Controls (coming soon!)
  • Personalized CBT App


  • Fingerprint login
  • Fraud Alerts
  • Fraud & Credit Monitoring Services Available


We want our customers to be able to carry CBT around in their purse or pocket - but we also love to see them too. Visit any of our convenient locations for a more personal banking experience.

¹A rate of 4.00% Annual Percentage Yield (APY) will be paid on balances up to $10,000.  To obtain 4.00% APY account must meet all the requirements listed below. An interest rate of .10% (with an APY ranging from 4.00% to .26%) will be paid on balances of $10,000.01 and greater if account requirements are met.  Account requirements to earn premium APY include: 10 Visa Check Card point-of-sale transactions* posted per statement cycle with a minimum combined transaction amount totaling $100, enroll in on line banking, receive eStatements with valid email address, set up a direct deposit or auto-payment minimum of $250 cumulative per statement cycle, and download the mobile banking app. A rate of .01% Annual Percentage Yield will be paid on all account balances not meeting account requirements. A $5 monthly statement fee will be assessed on all accounts receiving a monthly paper statement and may reduce earnings.  *ATM transactions do not count towards the total. Rates effective as of 10/1/2019 and are subject to change at our discretion. Limit one GO checking or Maxx Checking account per Tax Identification Number. Fees may apply to account related services. Consumers only. Member FDIC