Love banking at CBT? 

Invite a friend to open a checking account and you'll earn a $50 refer-a-friend bonus!*

And if that's not enough, be sure to mention to your friends the following additional CBT benefits:

• ClickSWITCH, our convenient online switch tool that helps switch auto payments and direct deposits in as little as 10 minutes.
• Card control is a free app that allows you to instantly change the settings on your CBT-issued debit card. When "off", no one can use your cards
• Online and mobile banking tools to help stay on top of finances.
• Zelle, the fast, safe and easy way to send money to friends and family.
• Open an account online today.

Talk with a Relationship Banker at any of our three convenient locations to learn more!

^{*To receive the $50 Refer-A-Friend bonus, refer a new client to open a consumer checking account (subject to approval) and all of the following requirements have been met on the new client’s account within 3 months of account opening (“qualifying period”):}

• ^{The debit card has been used at least once; and}
• ^{At least one qualifying direct deposit or direct debit made through the Automated Clearing House (ACH) network of $250 or more per transaction, must have posted and settled to the account.}

^{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 qualifying transactions must have posted and settled to the account by the last business day of the “qualifying period”.}

^{Additional terms of the Refer-A-Friend Offer: New client account must be opened a minimum of 30 calendar days and have a positive balance at time of bonus payment. New client cannot have a previously closed Cedar Rapids Bank & Trust or Community Bank & Trust checking account within the past 12 months. Only new consumer checking clients are eligible. Cannot be combined with other offers. Must be an Iowa resident to open an account. Promotion ends 12/31/2025 and is subject to change without notice. Existing clients can earn unlimited Refer-A-Friend bonuses. All bonuses will be reported to the IRS as applicable. Clients will be responsible for applicable taxes on this bonus. Consult your tax advisor.}

^{Bonus Payment: If all qualifying activity has been met on the new client’s qualifying account, the $50 bonus will be paid to both the new and existing clients within 30 calendar days after all of the qualifying requirements are met, provided both the current client and new client accounts are not closed at the time of payout. Bonuses will be applied as a credit to the new client account and referring client’s account.}

^{Annual Percentage Yield (APY) will range from 0.00% - 3.33% depending on the account type that is opened. Additional account requirements will apply to the Maxx Checking® account to obtain the premium APY. Rate may change after account opening. Fees could reduce earnings. APY range is accurate as of January 1, 2025 and is not an introductory rate. Minimum opening deposit requirements range from $25 - $100, with the exception of Premier Plus Checking (minimum $1000 to open). Visit our Personal Banking Products page for more information on our consumer checking account products. Member FDIC}

^{Important Information: Due to the confidential nature, we cannot disclose any information about qualifying accounts opened by the friends you invite.}