Community BT Community BT

Skip to Content

Maximize Your Money with a Better Rate Using MAXX Checking®

Looking for a checking account with a premium interest rate and ATM fee refunds?  Then you'll love Community Bank & Trust's MAXX Checking™ account. With MAXX, you'll earn a 3.33% APY1 and receive refunds for ATM fees2 if you:

  • A minimum of 15 Visa® debit card transactions posted per statement cycle (excludes ATM transactions);
  • A minimum of one direct deposit or debit has posted; AND
  • Receive your monthly statements for this account electronically. Personal online banking enrollment, whether through a browser or our mobile banking app, and a valid email address are required to receive electronic statements.

Don't meet one of these monthly requirements? No problem. You won't earn the premium rewards for that month, but you can start over the following month.

OPEN A MAXX ACCOUNT NOW

1 MAXX Checking® Annual percentage yield (APY). Rate may change after account opening. APY is accurate as of July 1, 2025, and is not an introductory rate. Rates will be paid only for that portion of your daily balance in each tier. 3.33% APY is for daily balances up to $25,000. To obtain the premium APY and ATM refunds, you must have an opening deposit of $100 and meet all of the following requirements per statement cycle for the MAXX Checking® account: 1) a minimum of 15 Visa® debit card transactions posted per statement cycle (excludes ATM transactions); 2) A minimum of one direct deposit or debit has posted; 3) Receive your monthly statements for this account electronically. Personal online banking enrollment, whether through a browser or our mobile banking app, and a valid email address are required to receive electronic statements. An interest rate of 3.28% will be paid only for that portion of your daily balance that is $25,000 or less. The APY for this tier will be 3.33%. An interest rate of .50% will be paid only for that portion of your daily balance that is greater than $25,000. The APY range for this tier will be 3.33% to 1.07%. If your daily balance is $25,000 or less and you have not met the account requirements, the interest rate and annual percentage yield paid on that portion of your balance will be .10% APY. If your daily balance is greater than $25,000 and you have not met the account requirements, the interest paid on that portion of your daily balance will be .01% with an annual percentage yield range of .10% to .03%. Limit one MAXX Checking® account per Tax Identification Number. Valid email address required. A $5 statement fee will be assessed on all accounts that do not sign up for e-statements within 90 days of account opening. Fees may reduce earnings.

2 Maximum ATM fee refund of $20 per month. Must meet account requirements to receive refund. 

Switch to MAXX

Our friendly, professional banking advisors will help you determine if MAXX is best for you. Making the switch from your current financial institution to CBT is easy, thanks to ClickSWITCH!

Monitor Your MAXX

With CBT Mobile Banking, you can safely monitor your MAXX checking account from your phone - and pay bills, transfer funds, set up alerts and find ATMs.

Questions?

Call us at 319.291.2000 Visit our locations