Limited-Time Offer: Earn a $300 Bonus.¹

Open an Maxx Checking® account by March 31, 2026, and meet the qualifying requirements to receive a $300 bonus.¹

Current Clients Can Enjoy a
$200 Refer-a-Friend Bonus³

Already banking with us? Here's a fresh opportunity to earn again. Help a friend get started and earn a bonus when they open a Maxx Checking® account.¹

• ● Unlimited referral bonuses

How to Qualify for Bonus Offer¹

• ✅ Open your Maxx Checking® Account.
• ✅ Meet the Maxx Checking® premium interest requirements at least once during the first 90 calendar days of account opening date. All requirements must be met within the same statement cycle. Full details below.

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Open a Maxx Checking® account by March 31, 2026 to qualify for this offer. Subject to change without notice.

¹New Client Maxx Checking® Bonus Offer: Earn a $300 bonus when you open a new Maxx Checking® account, subject to approval, and meet all of the Maxx Checking® premium interest requirements within 90 calendar days of account opening (“the qualifying period”). See Maxx Checking® Premium Interest Requirements below for qualifying details.
Bonus Eligibility: This offer is only available to new CRBT or CBT clients who open a new Maxx Checking® account. All Maxx Checking® Premium Interest requirements must be met, premium interest earned and credited to the account at least once during the first 90 calendar days of account opening date (“qualifying period”). The account must also be open for at least 90 calendar days and have a positive balance at the end of the “qualifying period” to be eligible for the bonus. This offer is not available to current CRBT or CBT customers who currently have another type of consumer checking account, or to anyone who has had any type of CRBT or CBT consumer checking account within the past 12 months, even if they have not previously held a Maxx Checking® account. Bonus offer is only available to residents of Iowa.
Bonus Payment: The bonus will be deposited into your Maxx Checking® account within 30 calendar days after the end of the 90-day “qualifying period”, provided all qualifying and eligibility requirements were met. Limit one bonus per taxpayer identification number.
Early Closing Fee: An early closing fee of $25 will be charged if your Maxx Checking® Account is closed within 90 calendar days of account opening, regardless of bonus qualification.
Maxx Checking® Premium Interest Requirements (per statement cycle):
• 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.
All requirements must be met within the same statement cycle in order to qualify for the premium interest for that statement cycle.
²MAXX Checking® Annual percentage yield (APY). APY is accurate as of January 1, 2026, and is not an introductory rate. Rate may change after account opening. You must have a minimum opening deposit of $25. To earn the premium APY and non-CBT ATM fee refunds, you must meet all Maxx Checking® premium interest requirements during each statement cycle.
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 APY 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 APY 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 all Maxx Checking® requirements are met during the same statement cycle. If requirements are not met, any non-bank owned ATM fees refunded through the same statement cycle will be reversed on the last day of the statement cycle in a single charge to your account, labeled “Prior Month ATM Refunds”.
*Qualifying Transactions for Maxx Checking® bonus offer 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 transactions must have posted and settled to the account by the last business day of the statement cycle.
³Refer-a-Friend offer details: Refer a new client to open a Maxx Checking® account, subject to approval. Once the new client has met all requirements of the New Client Maxx Checking® Bonus Offer and its qualifying terms, the current client will receive a $200 credit into their CBT checking account within 30 calendar days after the end of the 90-day bonus offer qualifying period, 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 March 31, 2026 and is subject to change without notice.
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.
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