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Welcome to CBT's Dough Zone!

At Community Bank & Trust, we want to encourage and support your kids on their financial journey. With the help of our mascot, Chip, and knowledgeable Relationship Bankers, we'll teach Dough Zone members how to save, reward them for reaching important milestones, and provide helpful money tips.

NEW! Rookie Cookie & Step Up Teen clients can earn 4.00% APY1 on balances up to $2,500!

Teenage girl sitting on an outdoor basketball court with a basketball

Account Features

Rookie Cookie Savings 

Baby or Child's First Savings Account! Get $5 vouchers for your birthday and a card from all our friendly tellers! Keep checking our calendar to learn about fun activities.

  • 4.00% APY1 on balances up to $2,500
  • $1 minimum opening balance
  • No minimum balance requirement
  • Variable interest rate
  • Available to those up to age 18
  • Birthday cards with a redeemable $5 Voucher
  • Fun CBT Dough Zone activities
  • Free CBT piggy bank!
Young child putting coins in a piggy bank.

Step Up Teen Checking

Designed to give teens 18 years & younger the tools they need to "step up" and become more financially savvy and independent:

  • 4.00% APY1 on balances up to $2,500
  • No minimum balance requirement
  • No monthly service charge
  • Variable interest-bearing account
  • Checks not available
  • Free online banking & eStatements
  • Parent/guardian 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!2
  • Begin building a trusted banking relationship with a local CBT banker.

Additional Perks: Free mobile banking. Visa® debit card. Online Bill Pay. Safe deposit box free for first year.3

Three teenage girls smiling at the camera.

To learn more, contact a CBT Account Relationship Banker at 319.291.2000



1) Step Up Teen Checking and Rookie Cookie Savings Annual percentage yield (APY). APY is accurate as of February 15, 2026, and is not an introductory rate. Rate may change after account opening. Minimum opening deposit of $25. Rates will be paid only for that portion of your daily balance in each tier. An interest rate of 3.93% will be paid only for that portion of your daily balance that is $2,500 or less. The APY for this tier will be 4.00%. An interest rate of 0.05% will be paid only for that portion of your daily balance that is greater than $2,500. The APY range for this tier will be 4.00% to 0.13% depending on the balance in the account. Fees may reduce earnings.

Tax Information: All offers and interest 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.

2) Reported to the IRS as applicable. Consult your tax advisor. Deposit will not be immediate. Deposit will be made into the account within 30 calendar days of notifying the bank of the reward. 

3) 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.