Account Features

To learn more, contact a CBT Account Relationship Banker at 319.291.2000

^{1) Step Up Teen Checking and Rookie Cookie Savings Annual percentage yield (APY). APY is accurate as of February 15, 2026, and is not an introductory rate. Rate may change after account opening. Minimum opening deposit of $25. Rates will be paid only for that portion of your daily balance in each tier. An interest rate of 3.93% will be paid only for that portion of your daily balance that is $2,500 or less. The APY for this tier will be 4.00%. An interest rate of 0.05% will be paid only for that portion of your daily balance that is greater than $2,500. The APY range for this tier will be 4.00% to 0.13% depending on the balance in the account. Fees may reduce earnings.
2) New Step Up Teen Checking Bonus Offer: Offer valid March 1 – April 15, 2026.
Earn a $300 bonus when you open a new Step Up Teen Checking account and meet the following requirements within 90 calendar days of account opening (“qualifying period”).
To qualify for the New Step Up Teen Checking Bonus:
   • Open a new Step Up Teen checking account with a $25 minimum opening deposit, subject to approval;
   • Use your account’s debit card* at least once during the “qualifying period”.
Qualifying Transactions for Step Up Teen bonus offer:
*Qualifying Visa® debit card transactions are defined as point-of-sale transactions made with your debit card that are completed using a PIN (personal identification number), signature, contactless, or mobile wallet (e.g., Apple Pay, Google Pay, Samsung Pay). ATM transactions do not count towards this total. Debit card transactions authorized but not yet posted do not count toward the debit card requirement.
Eligibility: This offer is available only to individuals who are new to Step Up Teen Checking and have not held a Step Up Teen Checking account with Cedar Rapids Bank & Trust or Community Bank & Trust in the past 12 months. Existing Step Up Teen Checking account holders are not eligible for the $300 bonus. Account holders must be between 13 and 18 years of age at account opening and have a parent or guardian listed as a joint account owner. All requirements must be completed, and the account must be open for at least 90 calendar days and active with a positive balance at the time the bonus is paid, to be eligible for the bonus. Must be an Iowa resident to open an account.
Bonus Payment: The bonus will be deposited into your Step Up Teen Checking account within 30 calendar days after the end of the 90-day “qualifying period”, provided all qualifying and eligibility requirements were met.
Additional terms: This offer is limited to one bonus per customer, per account, and will be paid to the primary owner. Cannot be combined with other offers. Promotion ends April 15, 2026, and is subject to change without notice.
3) New Rookie Cookie Savings Bonus Offer: Earn a $50 bonus when you open a Rookie Cookie Savings account between March 1 – April 15, 2026, and meet the following requirements within 90 calendar days of account opening (“qualifying period”).
To qualify for the Rookie Cookie Savings Bonus:
   • Open a Rookie Cookie Savings account with a $1 minimum opening deposit, subject to approval;
   • Account must remain active for 90 calendar days (“qualifying period”).
Only new Rookie Cookie Savings account clients are eligible. This savings account is designed for ages 18 years of age and younger. Minors under 18 years old must have a parent or legal guardian as a joint owner.
Bonus Payment: The bonus will be deposited into your Rookie Cookie Savings account within 30 calendar days after the end of the 90-day “qualifying period”, provided the account is open with an account balance at the time the bonus is credited or has not been closed.
Additional Terms: Clients cannot have a previously closed savings account with either Cedar Rapids Bank & Trust or Community Bank & Trust within the past 12 months. Must be an Iowa resident to be eligible for an account. This offer is limited to one bonus per customer and will be paid to the primary owner. Promotion ends April 15, 2026, and is subject to change without notice.}Tax Information: All offers and interest will be reported to the IRS under the primary account owner, as applicable. The primary account owner is the owner whose Taxpayer Identification Number (TIN), such as a Social Security Number (SSN), is assigned to the account and has tax responsibility. Client will be responsible for taxes on this bonus. Consult your tax advisor.

^{6) Reported to the IRS as applicable. Consult your tax advisor. Deposit will not be immediate. Deposit will be made into the account within 30 calendar days of notifying the bank of the reward.} 

^{7) Receive free 3x5 safe deposit box or 3x5 discount on all other available sizes during first year only. All fees subject to state and local sales tax.}