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Joining our Dough Zone means joining our CBT community. We'll teach the Dough Zone members how to save, reward them for report cards and other important milestones while providing helpful money tips. We also think it's important to provide parents the resources needed to encourage a secure financial foundation.

Come into any of our branches during Money Smart Week - April 17 - April 21!

Make a deposit into your Rookie Cookie Account and we will match up to $20!*

Also, play our DUCK POND GAME! Draw a duck from the pond and we'll deposit that amount into your account!

Have a Step Up Teen Checking? We will match up to $50!


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 $5 Vouchers
  • Fun Dough Zone activities
  • Free CBT piggy bank!


Designed to give teens ages 13-17 years old the tools they need to "step up" and become more financially savvy and independent.

  • 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.
  • Prevent overdrawn account with debit card set to decline if funds are insufficent. Checks not offered.
  • Avoid fees with no monthly service fees.
  • Stay up-to-date with CBT's free mobile banking app, mobile deposit, and more!
  • 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.

To learn more, contact a CBT Account Executive at 319.291.2000

$1.50 fee on all transactions at non-bank owned ATMs. 

*Reported as interest income on a 1099-INT. Deposit will not be immediate. Deposit will be made into the account at the end of the month in which we receive your voucher or milestone proof. Offer expires after 30 calendar days of your birthday or milestone. MEMBER FDIC

*No minimum deposit amount. Must come into one of our branches to make deposit.Must be a Rookie Cookie Savings or Step Up Teen Checking account holder to receive deposit match. Client must come into a CBT branch and make a deposit between April 15 and April 21, 2023, to receive deposit match up to $20 (Rookie Cookie) and $50 (Step Up Teen) into account. Mention Money Smart Week, otherwise, match cannot be guaranteed. ACH or mobile deposits will not be accepted. Account must be open at time match is paid to receive deposit. Deposit match will be made within 30 days of promotion end date and cannot be combined with any other offer. Deposit will be reported to the IRS as applicable. Consult your tax advisor. Fees could reduce earnings. Annual Percentage Yield for Rookie Cookie Savings is 0.05% as of April 1, 2023 and is not an introductory rate. Rate may change after account openning. One deposit match per client through 4/17/23 - 4/21/23. One duck game deposit per client. Client will receive a 1099 as required by IRS. MEMBER FDIC