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Join the Dough Zone!

We at CBT invest our time in caring about all of our clients needs - big or small. We know the importance of children learning about saving some dough at an early age and we're here to help start their journey! 

Joining the CBT Dough Zone means joining the CBT family. With the help of our mascot, Chip, we'll teach Dough Zone members how to save, reward them for reaching important milestones, and provide helpful money tips. We also think it's important to provide parents the resources needed to encourage a secure financial foundation. 

We're Rolling into the Dough Zone All Month Long!

March 1 - March 31

Hey parents! You can help set your kids up for success - on and off the court! Just like basketball, building smart money habits takes practice and we’re here to help! With CBT Dough Zone, our kids’ account program, your kids learn how to grow their dough, make smart money moves, and get ready for the big leagues! 

Exclusive CBT Dough Zone Perks:

From March 1 to March 31st, 2025, your kids can take advantage of our fun CBT Dough Zone perks with game-changing promotions!

  • Step Up Teen Checking: Open a Step Up Teen Checking account and earn a $100 bonus!*
  • Rookie Cookie Savings: Open a Rookie Cookie Savings account and earn a $50 bonus!**


CBT Dough Zone Activities

  • Dough Zone Week
    • A week in the spring dedicated to helping our kid clients better understand money concepts and interact with our friendly bankers!
  • Summer Savings Program
    • Complete activities to earn money and fun prizes in the summer.
  • Trunk-or-Treat
    • Enjoy games and treats at this fun event in October!

Account Details

Young child putting coins in a piggy bank.

Rookie Cookie Savings

Baby or Child's First Savings Account! Get $5 vouchers for your birthday and a card from all our friendly tellers! Keep checking our calendar to learn about fun activities.

  • $1 minimum opening balance
  • No minimum balance requirement
  • Variable interest rate
  • Available to those up to age 18
  • Birthday cards with a redeemable $5 Voucher***
  • Fun CBT Dough Zone activities
  • Free CBT piggy bank!
Three teenage girls smiling at the camera.

Step Up Teen Checking

Designed to give teens 18 years & younger the tools they need to "step up" and become more financially savvy and independent:

  • No minimum balance requirement
  • No monthly service charge
  • Non-interest bearing account
  • Checks not available
  • Free online banking & eStatements
  • Parent(s) can monitor account and advise teen as a required joint owner
  • Gain debit card responsibility with the protection of a lower-limit Visa® debit card.
  • Earn cash rewards for celebrating milestones such a birthday, driver's license, and diploma!***
  • Begin building a trusted banking relationship with a local CBT banker.

Additional Perks: Free mobile banking. Visa® debit card. Online Bill Pay. Safe deposit box free for first year.***  

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

* Step Up Teen Checking New Client Bonus Offer: $100 bonus will be paid or given within 30 calendar days after the end of the promotion.  Must open a new qualified Step Up Teen checking account, which is subject to approval. This checking 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.  Account must be active at the time bonus is paid, which will be applied as a credit to the new account. Client cannot have a previously closed checking account with either Cedar Rapids Bank & Trust or Community Bank & Trust within the past 12 months. Only new Step Up Teen checking account clients eligible. Limit One New Account Bonus per client per account. Only eligible to Iowa residents.  Promotion ends 3/31/2025 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.

** New Rookie Cookie Client Bonus Offer: $50 bonus will be paid or given within 30 calendar days after the end of the promotion.  Must open a new qualified Rookie Cookie Savings account, which is subject to approval.  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.  Account must be active at the time bonus is paid, which will be applied as a credit to the new account. Client cannot have a previously closed savings account with either Cedar Rapids Bank & Trust or Community Bank & Trust within the past 12 months. Only new Rookie Cookie Savings account clients eligible. Limit One New Account Bonus per client per account. Only eligible to Iowa residents.  Promotion ends 3/31/2025 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. Rookie Cookie Savings Account Annual percentage yield (APY). 0.05% APY.  APY is accurate as of February 15, 2025 and is not an introductory rate. Rate may change after account opening.  

*** Reported to the IRS as applicable. Deposit will not be immediate.  Deposit will be made into the account within 30 calendar days of notifying the bank of the reward. 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.