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Personal Banking Products

Whether you’re looking for easy access, no fees, interest, rewards, or travel perks - we got you covered with the right account to help get you where you want to be.


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Open a new GO Checking Account and Receive $300!2


Community Bank & Trust makes managing your money even easier. Personalized options, responsive service and knowledgeable employees guarantee you've found a better way to bank. With a variety of checking account options, you have the freedom to choose an account that fits both your lifestyle and your financial needs. Safely access your accounts by downloading CBT's Mobile Banking App. Learn more about our Refer-a-Friend bonus.


Go Checking

Earn 3.00% APY¹ as you maximize your balances up to $10,000 with Community Bank & Trust's premium rate. Plus, receive our $300 Summer BONUS!² Simply meet all of the below requirements:

  • 10 Visa® debit card transactions per month totaling a minimum of $100 (excludes ATM transactions)
  • Receive eStatements2
  • Set up one monthly direct deposit or debit with $250 minimum
  • Enroll in Personal Online Banking
  • Download mobile banking app featuring bill pay, person-to-person payment and mobile deposit

Additional perks: Free Visa® debit card. Checks available. 24 hour phone banking. Safe deposit box free for first year.3 

Must be an Iowa resident.

Minimum Balance for APY1 APY1 Minimum to Open
$0.01 - $10,000.00 3.00% $100.00
$10,000.01 + 0.33% $100.00

¹Annual Percentage Yield. Rate may change after the account is opened. APY accurate as of August 31, 2022, and is not an introductory rate. Opening deposit requirement of $100. APY is for balances up to $10,000. An interest rate of 2.96% will be paid only for that portion of your daily balance that is $10,000 or less. The APY for this tier will be 3.00%. An interest rate of .10% will be paid only for that portion of your daily balance that is greater than $10,000. The APY range for this tier will be 3.00% to 0.33%. Regardless of your balance, if you do not meet the requirements listed, the interest rate and APY will be 0.01%. Limit one GO acct per customer.²$300 bonus will be paid within 30 days of when the following occur: the account has been open a minimum of 30 days, a recurring ACH transaction has occurred, the debit card has been used and the account has a positive balance. Requirements must be met within the ­first six months. Only new GO checking account clients are eligible. Bonus will be reported to the IRS as applicable. Cannot be combined with any other offers. Promotion ends 9/15/22. ³Valid email address required. A $5 statement fee will be assessed on accounts that do not sign up for eStatements within 90 days of account opening. Fees may reduce earnings. MEMBER FDIC

Maxx Checking

A checking account that rewards clients up to $25,000 with a premium rate and refunds on all other bank's ATM fees.2Simply meet all the below requirements:

  • 15 Visa® debit card transactions per month (excludes ATM-based transactions)3
  • Receive eStatements4
  • Set up at least one direct deposit or debit
  • Enroll in Personal Online Banking

Additional perks: Free mobile banking with mobile deposit. Visa® debit card. Online bill pay. Checks available. 24 hour phone banking. Safe deposit box free for first year.5 

Minimum Balance for APY1 APY1 Minimum to Open
$0.01 - $25,000.00 2.22% $100.00
$25,000.01 + 0.85% $100.00

(1) Annual percentage yield. Rate may change after account opening. APY is accurate as of August 30, 2022, and is for daily balances up to $25,000. It is not an introductory rate. To obtain premium APY and ATM refunds, you must have an opening deposit of $100, meet required 15 Visa Check Card credit-based transactions posted per statement cycle, receive your monthly statement via eStatements with a valid email address, enroll in Online Banking, and set up minimum of one direct deposit or direct debit. An interest rate of 2.20% will be paid only for that portion of your daily balance that is $25,000 or less. The APY for this tier will be 2.22%. An interest rate of .50% will be paid only for that portion of your daily balance that is greater than $25,000.01. The APY range for this tier will be 2.22% to .85%. 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 your balance will be .10% APY. If your daily balance is $25,000.01 or more and you have not met the account requirements, the interest paid on the balance will be .01% with an annual percentage yield range of .10% to .03%. (2) Maximum ATM fee refund of $20 per month. (3) The 15 Visa debit card transactions must post during the statement cycle. (4) Valid email address required. A $5 monthly statement fee will be assessed on accounts that do not sign up for e-Statements within 90 days of account opening. Fees may reduce earnings.  (5) 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.

Free Checking

A checking account with no minimum balance requirement or monthly service fees.

  • No minimum balance requirement
  • No monthly maintenance charge
  • Debit card w/ first 6 ATM transactions/month free*

*$1.50 fee applies to non-bank owned ATM transactions in excess of 6 per month

Step Up Teen Checking

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.
  • Earn cash rewards for celebrating milestones such a birthday, driver's license, and diploma!*

*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.

Royal Club Checking

You'll be treated like royalty when you to become a member of our Royal Club! Join us for gatherings of Bingo, seminars and more!

  • Debit card w/ unlimited ATM withdrawals
  • Free Royal Club checks
  • Free cashier checks and money orders*
Minimum Balance for APY1 APY1 Minimum to Open
$0.01 - $9,999.99 0.01% $100.00
$100,000.00 + 0.05% $100.00

*Combined limit of 6 cashier checks & money orders per month

1Annual Percentage Yield. Rates subject to change. Fees may reduce earnings.

Whether it's your first account, you're saving for a special purchase, or strengthening a long-term savings plan, your financial future starts with the right account to help get you where you want to be. Safely access your accounts by downloading CBT's Mobile Banking App.


Steady Savings

A savings account with unlimited on-site withdrawals.

  • $100 minimum opening balance
  • ATM card w/ first 6 transactions/month free
  • Variable interest rate
Minimum Balance for APY1 APY1 Minimum to Open
$200.00 + 0.01% $100.00

$2/mo service fee if fail to maintain $200 average daily balance. $1.50 fee on all transactions at non-bank owned ATMs

1Annual Percentage Yield. Rates subject to change. Fees may reduce earnings.

Rookie Cookie Savings

Baby or Child's First Savings Account! Get $5 vouchers for your birthday and a card from all our friendly tellers

  • Available to those up to age 18
  • Birthday cards with $5 Vouchers and a free CBT piggy bank
  • Fun Dough Zone activities
Minimum Balance for APY1 APY1 Minimum to Open
$1.00 + 0.01% $1.00

1 Annual Percentage Yield. Rates subject to change. Fees may reduce earnings.

Money Market

An interest earning, tiered rate account with limited check writing privileges and market-leading rate

  • $1,000 average daily balance requirement
  • Six withdrawals free per month
  • Variable interest
Minimum Balance for APY1 APY1 Minimum to Open
$0.00 - $9,999.99 0.01% $1,000.00
$10,000.00 - $49,999.00 0.15% $1,000.00
$50,000.00 - $99,999.00 0.24% $1,000.00
$100,000.00 + 0.33% $1,000.00

$5/mo service fee if fail to maintain $1,000 average daily balance

1Annual Percentage Yield. Rates subject to change. Fees may reduce earnings.

Flex Investor

A high yielding savings option with check writing ability

Minimum Balance for APY1 APY1 Minimum to Open
$1,000.00 - $199,999.99 0.05% $1,000.00

1Annual Percentage Yield. Rates subject to change. Fees may reduce earnings.

Whether you're looking to invest and save for a short period or long-term, your financial future starts with the right account to help get you where you want to be.


11 Month CD Special

A great way to have your money work for you. Rates are subject to change without notice.

  • A short term CD 
  • Market competitive rate


Minimum Balance for APY1 APY1 Minimum to Open
$500.00 + 2.60% $500.00

1Annual Percentage Yield effective as of September 23, 2022.  No partial withdrawals. Minimum of $500 required to earn 2.60% APY. Checking relationship required. Institutional/business funds not eligible. Limit one consumer CD special per Tax Identification Number.