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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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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.


MAXX Checking™ Account

A checking account that rewards clients up to $25,000 with a premium rate of 3.33% APY1 and refunds on all other bank's ATM fees.2Simply meet all the below requirements:

  • 15 Visa® debit card transactions per statement cycle (excludes ATM-based transactions)
  • Receive eStatements3
  • 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.4  

Minimum Balance for APY1 APY1 Minimum to Open
$0.01 - $25,000.00 3.33% $100.00
$25,000.01 + 1.07% $100.00

(1) Annual percentage yield. Rate may change after account opening. APY is accurate as of February 1, 2024, 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 the requirements listed above for the Maxx account.  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 $25,000.01. 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 $25,000.01 or more 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%. (2) Maximum ATM fee refund of $20 per month. (3) Valid email address required. Fees may reduce earnings.  (4) Receive free 3x10 safe deposit box or 3x10 discount on all other available sizes during the first year only. All fees subject to state and local sales tax.

Go Checking

Earn 3.00% APY¹ as you maximize your balances up to $10,000 with Community Bank & Trust's premium rate. 

  • 10 Visa® debit card transactions per statement cycle 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.

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

1) Annual Percentage Yield. Rate may change after the account is opened. APY accurate as of February 1, 2024, 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) Valid 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. 3) Receive free 3x10 safe deposit box or 3x10 discount on all other available sizes during the first year only.

Free Checking

A non-interest bearing checking account with no minimum balance requirement or monthly service fees:

  • Free online banking, bill pay & eStatements
  • Free mobile banking with mobile deposit
  • Free Visa® debit card

Additional perks:  Checks available. 24 hour phone banking. Safe deposit box free for first year.1 Linked to CBT Line of Credit.2

** Additional non-CBT ATM fees may apply (1) 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. (2) Subject to credit approval. 

Step Up Teen Checking

Designed to give teens up to the age of 18 the tools they need to "step up" and become more financially savvy and independent:

  • No minimum balance requirement
  • No monthly service charge
  • Non-interest bearing account
  • Checks not available
  • Free online banking & eStatements
  • 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!1

Additional Perks: Free mobile banking. Visa® debit card. Online Bill Pay. Safe deposit box free for first year.2

(1)  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. (2) 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. 

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
Minimum Balance for APY1 APY1 Minimum to Open
$0.01 - $99,999.99 0.10% $100.00
$100,000.00 + 0.25% $100.00

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

BankOn

The BankOn Checking account helps to establish a banking relationship, whether you are establishing a bank account for the first time or have encountered difficulties in the past and want a second chance at rebuilding your financial history.(1)

Community bank trust cbt bankon checking badge
  • Safe and secure account for storing earnings and starting savings
  • Visa debit card
  • Free access to 55,000+ nationwide Privilege Status® ATMs
  • Online and mobile banking
  • Online bill pay
  • Free eStatement
  • Low $25 minimum deposit to open
  • $5 monthly service charge
  • No Overdraft or NSF fees(2)
  • No early account closure or dormant fees will be charged on this account

To learn more about the benefits of BankOn Checking, or to open an account, please contact or visit any of our offices.


(1) Consumers with a previously reported negative bank history are eligible to upgrade to a different product type after 12 months in good standing.

(2) This account is not eligible for our Overdraft Protection services. Account allows spending of funds available in the account. A transaction may get declined or returned if there is not enough money in the account to cover the item. There may be situations where the account may be overdrawn causing a negative balance, but an overdraft fee will not be assessed. Account holders are expected to remedy the overdrawn balance as soon as they are aware. Multiple instances of the account being overdrawn may result in the account being closed for misuse.

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 average daily balance required; $5.00 monthly service charge if below minimum
  • $1.50 non-CBT ATM transaction fee
  • Free eStatements
  • 24 hour phone banking
Minimum Balance for APY1 APY1 Minimum to Open
$100.00 + 0.10% $100.00

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

Rookie Cookie Savings

A savings account designed for children 18 years of age and under:

  • No minimum balance required
  • Unlimited on-site withdrawals
  • Free eStatements
  • 24 hour phone banking
Minimum Balance for APY1 APY1 Minimum to Open
$0.00 + 0.10% $1.00

1 Annual Percentage Yield. Rates subject to change. 

Money Market

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

  • $1,000.00 average daily balance required; $5.00 monthly service charge if below minimum
  • Free eStatements
  • 24 hour phone banking
Minimum Balance for APY1 APY1 Minimum to Open
$0.00 - $9,999.99 0.10% $1,000.00
$10,000.00 - $49,999.00 0.71% $1,000.00
$50,000.00 - $99,999.00 1.01% $1,000.00
$100,000.00 + 1.52% $1,000.00

(1) Annual Percentage Yield. Rates subject to change. Fees may reduce earning.  All fees subject to state and local sales tax.

Flex Investor

A high yielding savings option with check writing ability.

  • $10.00 monthly service charge if below $1,000
  • Free eStatements
  • 24 hour phone banking
Minimum Balance for APY1 APY1 Minimum to Open
$0.00 - $199,999.99 0.50% $1,000.00
$200,000.00 - $499,999.99 0.75% $1,000.00
$500,000.00 + 1.01% $1,000.00

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

Watch your money grow on your terms.


11 Month Savings CD Special

Rates offered as of 2/1/24. Rates are subject to change without notice. 

Minimum Balance for APY1 APY1 Minimum to Open
$500.00 + 4.50% $500.00

1Annual Percentage Yield effective as of February 1, 2024. CD needs to be open 7 business days prior to closing the CD. Penalty for early withdrawal. Minimum of $500 required to earn 4.50% APY. Institutional/business funds not eligible. 

First-Time Home Buyer Savings Account

Your home is one of the largest investments you'll ever make. Save the smart way - with a CBT first-time home buyer savings account. Not only does it help you save, but you may be eligible for a state tax deduction:

  • A deposit account created to save for a down payment for a single-family, primary residence in the state of Iowa2
  • Individual savings account may be eligible for a state tax deduction3
  • Joint savings account and filing taxes jointly, may be eligible for a state tax deduction3
  • Interest earned not taxable
Minimum Balance for APY1 APY1 Minimum to Open
$100.00 + 0.50% $100.00

(1) Annual Percentage Yield. Rates subject to change. Fees may reduce earning.  All fees subject to state and local sales tax.  (2) Iowa Senate File 505 defines a first-time home buyer as an individual who is a resident of Iowa and who does not own, either individually or jointly, a single-family or multi-family residence for a period of three years prior to the date on which the individual is named as a designated beneficiary of a first-time home buyer savings account and the date of the qualified home purchase for which the eligible home costs are paid or reimbursed from a first-time home buyer savings account.  (3) You may be eligible for an annual tax deduction up to 10 times a maximum of 10 years. These tax deductions are state only and cannot be claimed on a federal tax return. Please consult your tax advisor, prior to opening a First-Time Home Buyer Savings Account, as we do not provide tax or legal advice. Funds will be available to use towards a qualified home purchase 90 days after first deposit in the First-Time Home Buyer Savings Account. The funds should be used by January 1 of the 10th year following the year they opened the account.