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More Money. More Summer. 

Get the most out of your summer and your money. With special bonuses and easy-to-use tools, our checking accounts make managing your money a breeze- all summer long.

New account bonus promotion

1. Earn a $300 MAXX Checking® Bonus1

  • Earn a 3.33% APY2 and receive non-bank owned ATM refunds by meeting the following requirements:
    • Debit Card Activity*: A minimum of 15 Visa® debit card transactions have posted and settled to your account. ATM transactions do not count toward this requirement;
    • Direct deposit or Debit**: Have at least one direct deposit or one automatic debit ACH (Automated Clearing House) posted and settled to your account; and
    • Electronic Statements: You must be enrolled in electronic statements and receive your monthly account statement electronically (e-Statements). Enrollment in Personal Online Banking (via browser or mobile app) and a valid email address are required for e-Statement delivery.
      • 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.
  • Enjoy 24/7 access to your credit score, quickly send & receive money, and more!

Use the link below to open a MAXX Checking® Account today! Promotion ends 9/30/25.

OPEN A MAXX ACCOUNT NOW

2. Earn a $300 Step Up Teen Checking Account Bonus3

  • Step Up Teen Checking gives teens 18 years & young the tools they need to “step up” and become more financially savvy and independent.
    • Enjoy cash rewards for celebrating milestones, summer volunteer opportunities, no minimum account balances, and more! 

Talk to a Relationship Banker at one of our 3 convenient locations to open an account in-person! Promotion ends 9/30/25.

3. NEW! $200 Refer-a-Friend Bonus for Existing Clients4

  • The forecast? Sunny with a chance of bonuses. Love banking with us? When you refer a friend and they open a MAXX Checking® or a Step Up Teen Checking account, you'll earn $200 per referral as a thank you.4 There's no cap on how many friends you can refer. Go ahead, spread the sunshine and soak up the bonuses! Tell them to add your name to the referral code. Promotion ends 9/30/25.


Experience the benefits of responsive and local service powered by our relationship-driven, friendly bankers. 


1 New Client Maxx Checking® Bonus Offer: Earn a $300 bonus when you open a new Maxx Checking® account and meet the following requirements within 3 months of account opening (“qualifying period”).
To qualify for the New Client Maxx Checking® Bonus Offer:
1) Open a new Maxx Checking® account, subject to approval;
2) Use your account’s debit card* at least once;
3) Receive at least 1 qualifying direct deposit or direct debit** made through the Automated Clearing House (ACH) network, of $250 or more per transaction, posted and settled during the “qualifying period”.
Eligibility: All requirements must be completed, and the account must be open for at least 30 calendar days to be eligible for the bonus. This offer is available only to new Cedar Rapids Bank & Trust or Community Bank & Trust clients who have not held any consumer checking account with either bank in the past 12 months. Only new Maxx Checking® account clients are eligible. Current consumer checking clients of either bank are not eligible for this bonus offer, even if they have not previously held a Maxx Checking® account. Must be an Iowa resident to open an account.
Bonus Payment: The bonus will be deposited into your Maxx Checking® account within 30 calendar days after all of the qualifying requirements are met, provided the requirements were met within the “qualifying period”, the account is active and has a positive balance at the time of the bonus payment.
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 9/30/2025 and is subject to change without notice.

2 MAXX Checking® Annual percentage yield (APY). APY is accurate as of July 1, 2025, and is not an introductory rate. Rate may change after account opening. 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 non-CBT ATM fee refunds, you must have an opening deposit of $100 and meet all of the following requirements during each statement cycle for the MAXX Checking® account:
1) Debit Card Activity*: A minimum of 15 Visa® debit card transactions have posted and settled to your account. ATM transactions do not count toward this requirement;
2) Direct deposit or Debit**: Have at least one direct deposit or one automatic debit ACH (Automated Clearing House) posted and settled to your account; and
3) Electronic Statements: You must be enrolled in electronic statements and receive your monthly account statement electronically (e-Statements). Enrollment in Personal Online Banking (via browser or mobile app) and a valid email address are required for e-Statement delivery.
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.
Paper Statement Fee: Valid email address required for e-Statements. A $5 paper 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.
Non-Bank Owned ATM Fee Refunds: Maximum refund of $20 per statement cycle when Maxx Checking® requirements are met. If requirements are not met, any previously refunded non-bank owned ATM fees will be reversed on the last day of the statement cycle in a single charge to your account, labeled “Prior Month ATM Refunds”.

3 New Step Up Teen Checking Bonus Offer: Earn a $300 bonus when you open a new Step Up Teen Checking account and meet the following requirements within 3 months of account opening (“qualifying period”).
To qualify for the New Step Up Teen Checking Bonus:
1) Open a new Step Up Teen checking account, subject to approval;
2) Use your account’s debit card* at least once during the “qualifying period”.
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. Current Step Up Teen Checking account holders are not eligible. 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 30 calendar days 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 all of the qualifying requirements are met, provided the requirements were met within the “qualifying period”, the account is active and has a positive balance at the time of the bonus payment.
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 9/30/2025 and is subject to change without notice.

4 Refer-a-Friend offer details: Refer a new client to open a consumer checking account, which is subject to approval. Once the new client has met all requirements for either Bonus Offer and its qualifying terms, the current client will receive a $200 credit into their CBT checking account within 30 calendar days provided both the current client and referred accounts remain open at the time of payout. Bonus will be applied as a credit to the referring client’s account. New clients may not combine this with any other promotion. Existing clients can earn unlimited Refer-A-Friend bonuses. Promotion ends 9/30/2025 and is subject to change without notice.

Qualifying Transactions for all offers and APY requirements:
*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.
**Direct deposit ACH examples are, but not limited to, an electronic deposit of your paycheck, pension or government benefits from your employer or the government. Person to person or Account to Account payments (such as, but not limited to, Zelle, Venmo or CashApp) are not considered a direct deposit. Direct debit ACH examples would be, but are not limited to, a car payment, mortgage, rent payment or another household bill.
All qualifying transactions must have posted and settled to the account by the last business day of the “qualifying period”.

Tax Information: All bonuses and offers 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.