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.
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 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 January 1, 2023, 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. 2Valid 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™ 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 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 | 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 March 1 2023, 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) The 15 Visa debit card transactions must post during the statement cycle. (4) Valid email address required. 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 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.
- 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 | 0.10% | $100.00 |
| $100,000.00 + | 0.25% | $100.00 |
*Combined limit of 6 cashier checks & money orders per month
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)
- 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
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 + | 0.10% | $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 | 0.10% | $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 |
$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 |
| $100,000.00 - $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.
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 + | 4.05% | $500.00 |
1Annual Percentage Yield effective as of April 7, 2023. No partial withdrawals. Minimum of $500 required to earn 4.05% APY. Checking relationship required. Institutional/business funds not eligible. Early withdrawal penalties may apply. Limit one consumer CD special per Tax Identification Number.