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12 Tips for Protecting Your Mobile Devices
In recognition of National Consumer Protection Week (March 4-10), Community Bank & Trust has highlighted 12 ways consumers can take extra precaution to protect the data on their mobile device. Read them here.

2019 Employer of Choice
Here you can read the article from the WCF Courier regarding Community Bank & Trust's 2019 Employer of Choice Award.

6 Steps to Take Before You Buy a Home
Before you set out on your home buying journey, there are six important steps you should take to be mortgage ready. Read them here.

6 Tips for Saving for Your Down Payment
Before you can make the transition from renting your home to owning your home, you will need to have a substantial down payment, typically 5 to 20 percent of the home’s value. The American Bankers Association suggests these tips to help save for it. Read them here.

7 Tips

7 Worthwhile Ways to Use Your Tax Refund
Interested in learning how you can use your tax refund? Community Bank & Trust has highlighted seven different tips to help you make the most out of your tax refund money. Read them here.

About CB&T
Get to know more about the mission, vision, and values behind Community Bank & Trust.

About Wealth Management
Here you will find a series of questions to help you determine if you need assistance from CBT's Wealth Management Team.

ACH Rule Change
Read about the ACH Rule Change here.

ACH Rule Change
Read about the ACH Rule Change here.

Additional Resources
Provided here are additional resources intended to educate and assist our valued clients with Business Online Banking.

All Card Services
Learn more about all the different card services Community Bank & Trust has to offer.

Amortizing Loan Calculator
Use this calculator to determine your loan amounts and monthly payments!

Apple Pay™
Apple Pay is a convenient way to make purchases on the go while still offering all the benefits and protections your card provides. Learn more about Apple Pay here.

Auto & Personal Loans
Looking for loan options that are customized to you and your needs? Learn more about what Community Bank & Trust can do for you by talking with any one of our Account Executives.

BANKING

Bill Pay
Pay your bills through Personal Online Banking or through our Mobile Banking App at no charge. Schedule one-time or automatic recurring payments, bill reminders, and more!

Bob Seymour Team
Bob Seymour's Team

BUSINESS

Business Checking Accounts
Learn more about the various business checking accounts that CBT offers.

Business Client Survey
Business Client Survey

Business Client Survey
Business Client Survey

Business Credit Card Upgrade

Business Line of Credit
If you are a business owner in need of open-ended access to credit for ongoing needs such as inventory management or seasonal purchases, a business line of credit with Community Bank & Trust might be the solution for effectively managing your cash flow.

Business Loans
At Community Bank & Trust, we make sure you get what it takes to keep your business on the fast track to success. Talk to one of our Commercial Bankers to learn more about the loans we offer businesses today!

Business Mobile Banking Addendum
Here you can find the Mobile Banking Addendum.

Business Online Banking 2021 Enhancements
We are upgrading our online banking system on July 27, 2021. Overall the system will look the same, but additional functionality is now available.

Business Online Banking Training Videos
The Business Online Banking eVideo Library

Calculators
These interactive calculators are made available to you as self-help tools for your independent use.

Car Loan Calculator
Use this calculator to help you determine your monthly car loan payment or your car purchase price!

Careers
Get to know more about the employee culture at Community Bank & Trust and see what positions you can apply for!

Cash Management Overview
The Cash Management eVideo Library

CBT Card Control
Protect your debit card with CBT Card Control. Receive transaction alerts, lock and unlock your debit card instantly and set purchase limits. Learn more about Card Control here.

CDARS
With CDARS (Certificate of Deposit Account Registry Service), you can access FDIC protection on multi-million dollar CD investments through Community Bank & Trust. Learn more about CDARS here.

Cedar Falls Construction
Our Cedar Falls branch, located at 312 W. 1st Street, is now torn down and has begun its construction on the brand new Community Bank & Trust Cedar Falls branch, which will be located at the same address. The anticipated completion date is the second quarter of 2021. Check here for the most recent construction updates!

Checkbook Balancer
Use this calculator to balance your checkbook!

Checking Accounts
With CBT's various checking account options, you have the freedom to choose an account that fits both your lifestyle and your financial needs.

ClickSWITCH™
Switching your direct deposits and automatic payments to Community Bank & Trust doesn't need to be a hassle. We've made it easier than ever with ClickSWITCH.

ClickSWITCH™ FAQs
Here you can find FAQs about our service ClickSWITCH.

Client Advisory Board Survey
Client Advisory Board Survey

College Savings
Use this calculator to help develop or fine-tune your education savings plan!

Commercial Real Estate
CBT's dedicated commercial real estate advisors offer nearly 40 years of combined industry experience and market area expertise, to help structure a loan that meets your business needs. Learn more about what kind of financing Community Bank & Trust can offer you and your property here.

Consumer Resources
Here you will find helpful resources and information regarding fraud, identity theft and more.

Contact Us

Coronavirus Preparation
Here you will find helpful resources and information about the coronavirus and what CBT is doing to keep our staff, clients and community safe.

Coronavirus Scams
Fraudsters are finding ways to take advantage of fears related to the coronavirus. Learn more about these common coronavirus scams and what you can do to protect yourself here.

Credit Card Pay Off
Use this calculator to see what it will take to pay off your credit card balance, and what you can change to meet your repayment goals!

Credit Cards
A Visa Platinum®, Platinum Rewards® or Cash Rewards® credit card from Community Bank & Trust allow you to see the world, but deal with the banking professionals you know right here at home.

Credit Sense
Credit Sense is a free service offered to help you understand your current credit score, give access to your full credit report, provide credit monitoring alerts, show you how you can improve it and see ways you can save money on new and existing loans with us.

Customer Service
Here you will find contact information for customer service.

Customer Service Inquiry
Customer Service Inquiry Form

Darksite

Debt Consolidation Calculator
Use this calculator to help determine if debt consolidation is right for you!

Deposit Account Services
At Community Bank & Trust, we want you and your business to succeed. Our team of advisors is here to help you find the business checking account that best fits your needs. Learn about some of our options here.

DEPOSIT ACCOUNTS

Doggie Dip
CBT's 2019 Doggie Dip will take place at The Falls Aquatic Center on Monday, August 26, 2019 from 6:00 pm - 8:00 pm.

Doggie Drive-Up
Due to uncertain closing dates for The Falls Aquatic Center, the Doggie Dip 2020 will not be taking place. However, CBT will be hosting it's first ever Doggie Drive-Up at our Downtown Waterloo Branch on Wednesday, August 19, 2020 @ 5:30 pm – 7:00 pm.

Donation Requests
Every year, Community Bank & Trust is contacted by many worthwhile charitable organizations. And every year, we make an effort to accommodate as many sponsorship and donation requests as possible. To be considered for a donation or sponsorship, please fill out the form located on this page.

Dough Zone
As a Community Kids Club member, you'll get to learn how to save, be rewarded for report cards and any other important milestones, all while being provided with helpful money tips.

E-Newsletter
Join Community Bank & Trust's mailing list to receive promotion and rate information, events CBT is involved in the Community, and relevant financial tips!

Economic Luncheon
CBT's 2019 Economic Luncheon will take place at the Diamond Event Center on October 24th. Enjoy lunch on us while you are educated on what is happening in today's national economy as well as Black Hawk County!

Emotions Aside, How to Choose the Right Home
Before you commit to a new home, there are some things you should consider first. Read about them here.

Equipment Financing
m2 Equipment Finance LLC. When you need to obtain new equipment for your business, m2 Equipment Finance LLC., a wholly owned subsidiary, has the experience you need to advise and execute financing programs as unique as your business needs.

ESG
With numerous programs and activities aligned with the ESG framework, we continue to develop and enhance our long-term plan for the future.

eStatements
eStatments are designed to give you quicker, more convenient access to the tools you need to better manage your finances. Learn more about eStatements here.

EVM Chip Card
EMV Chip Cards are new Visa® Check Cards equipped with computer chips. Learn more about them here.

FAQ: Equifax Data Breach
Here you will find FAQs regarding the Equifax Data Breach.

FAQs
Here you will find FAQs about our Wealth Management services.

Farrell's
Farrell's eXtreme Bodyshaping is offering new and current CBT customers a discounted rate of $300 for the Summer Challenge beginning July 13, 2019. When you meet all the requirements of our GO checking account and complete the 10-week challenge, CBT will reimburse you $225!*

FDIC Insurance
View the General Deposit Insurance Rules here.

Financial Education
Community Bank & Trust's Education Center provides easy to find financial information with the QuickLearn Library. Click on one of the below links to open the library menu and then click on a title to open the QuickLearn Topic (QLT) lesson. QLTs are engaging, interactive and will provide answers to most of your financial questions.

Financial Tips for the New Year
It's that time of year — the time to ring out the old and ring in the new, to ditch bad habits and replace them with good ones. Here are some tips to help you whip your finances into shape this New Year.

FINANCING

Find Out
Here you will find a series of questions to help you determine if you need assistance from CBT's Wealth Management Team.

Forgiveness of My 2021 CBT PPP Loan

Fraud Prevention
As a relationship-based financial institution that takes pride in using a personal approach with our clients, we want to remind everyone to be cautious if ever asked to reveal or confirm personal information via online or if asked to click through to a website that you believe might not be associated with Community Bank & Trust.

Fraud Prevention Recommendations
Business Online Banking provides several controls and tools to help protect you against unauthorized transactions. We recommend that you use these controls along with your company’s own tools and resources to mitigate the risk of fraud.

Fraud Prevention Recommendations
Business Online Banking provides several controls and tools to help protect you against unauthorized transactions. We recommend that you use these controls along with your company’s own tools and resources to mitigate the risk of fraud.

Fraud Prevention Services
Mitigate risk and protect your business with our fraud prevention services: Positive Pay, ACH Fraud Monitoring, ACH Blocks and Filters.

Free Shred Day
Protect your identity and join us for a FREE DOCUMENT SHRED DAY - THURSDAY APRIL 22, 2021 from 2:00 pm to 4:00 pm @ our Downtown Waterloo Location.

Get Started
Get started on opening a checking account with us here!

Giveaway

GO Checking
GO-Checking is a FREE checking account that EARNS 4.00% APY and provides the ultimate digital experience so you can take your banking on the go! Learn more about GO-Checking here.

Health Savings Account
What is a Health Savings Account? The Health Savings Account (HSA) is a tax advantage savings plan available to taxpayers in the United States who are enrolled in a High Deductible Health Plan (HDHP) and are used to cover current and future medical expenses.

Holiday Pay-it-Forward Extravaganza
CBT is doing a holiday giveaway, called Holiday Pay-it-Forward Extravaganza to support our local non-profits. Like and follow our Facebook page for updates on daily prizes and winners. Learn more here.

Home
Community Bank & Trust Home Page

Home Budget Analysis
Use this calculator to determine where your money is being spent and how much you have left to save!

Home Equity Line of Credit Calculator
Use this calculator to determine the home equity line of credit amount you may qualify to receive!

Home Equity Loan
It’s easy to envision where you want to go with a Home Equity Loan from Community Bank & Trust. Access the equity you have in your home to pay for virtually ANYTHING - vehicles, weddings, remodeling projects, vacation, unexpected costs, or consolidating your debt.

Home Equity Loan vs. Auto Loan
Use this calculator to view if you can use your home equity loans to finance your automobile!

Home Inspections: Don't Buy a House Without One
Having a home properly inspected is one of the most prudent steps you can take when buying a home. Learn about what a home inspection can do for you here.

HR & Payroll Solutions

Identity Theft 911 Program
Community Bank & Trust has partnered with Identity Theft 911®, America's premier provider of identity management and data risk management services, to provide the most comprehensive identity management protection in the industry. This package provides you the proactive tools and recovery assistance needed to quickly respond to an identity or fraud crisis.

If You Fall Victim
If you become a victim of identity theft, contact Community Bank & Trust immediately. In addition, complete these steps suggested by the Federal Trade Commission as soon as possible, and keep a record with the details of your conversations and copies of all correspondence. Read the suggested steps here.

Important Links
Here you will find important fraud prevention links.

Information Management
Stay up-to-date on your accounts with our electronic services including: Account Analysis statements, Account Reconciliation Services, Business Online Banking, EDI Reporting, and eStatements.

Iowa Student Loan Program
Community Bank & Trust works with Iowa Student Loan® to offer supplemental private student loans to help you pay for college. Learn more about the Iowa Student Loan Program here.

IRS Stimulus Checks
Here you will find information about how you can deposit your IRA stimulus checks with us.

Lease vs. Buy
Use this calculator to determine if leasing or buying a car is a better value for you!

Limited Lobby Access
Due to the increased precautions and closures established statewide and the recommendations from the Centers of Disease Control and Prevention (CDC), access to our lobbies will be limited to appointment only through December.

Line of Credit
Gain the added security of overdraft protection and convenience of additional funds with a Line of Credit.

Loan & Credit Line Payment
Use this calculator to determine your loan or line payment!

Loan Forgiveness FAQ
FAQ Guide for the SBA’s Paycheck Protection Program (PPP) to assist you in the forgiveness application process.

LOANS

Lobby Reopening

Locations and Hours
Here you will find the locations of our branches and their corresponding hours.

Lost or Stolen Card
Here you will find information on who to contact if you lose or have your card stolen.

Make Over Your Mortgage
Make over your mortgage by refinancing! Read more about why a mortgage makeover may be a smart move for you here.

Mask Required

MAXX Checking
With CBT's MAXX checking account, you can earn a premium interest rate and receive ATM fee refunds! Learn more about MAXX here.

Meet Our Account Executives
Community Bank & Trust Account Executives

Meet Our Lenders
Community Bank & Trust Lenders

Meet Our Wealth Management Team
Community Bank & Trust Wealth Management Team

Mobile Banking App
Safely access your accounts using your smartphone with our Mobile App. Pay bills, make deposits, check balances, transfer funds, set up alerts, and more!

Mobile Banking App FAQs
Here you will find FAQs about our Mobile Banking App.

Mobile Banking Instructions

Mobile Banking Security
Here you can find the security standards for CBT's Mobile Banking App.

Mobile Deposit
Deposit checks into your account using your smartphone at no charge. Simply take a photo of the front and back of the check and submit it through our Mobile app.

Mobile Overview
The Mobile Overview eVideo Library

Money Manager
With Money Manager, you can view all of your finances - across multiple financial institutions - conveniently within Personal Online Banking. This personalized tool will help you analyze spending, track investment portfolios, and set savings goals to uncover new opportunities and make well-informed financial decisions.

Mortgage Comparison
Use this calculator to compare a 15-year mortgage vs. a 30-year one, and let us help you decide which mortgage term is better for you!

Mortgage Loans
Partner with a local mortgage lender that you bank on - Community Bank & Trust. Our CBT mortgage experts will provide you with thorough advice, responsive service, and customized solutions.

Mortgage Payoff
Use this calculator to find out how much interest you can save by increasing your mortgage payment!

Mortgage Qualifier
This calculator steps you through the process of finding out how much you can borrow for your mortgage.

Mortgage Refinance Break Even
Use this calculator to sort through the confusion and determine if refinancing your mortgage is a sound financial decision!

NACHA Rules
NACHA Rules

New Client Survey
New Client Survey

New Consumer Client Survey
New Consumer Client Survey

New Hire

New Home To-Do List
Now that you’re settling in to your new home, there are some important things you need to consider. The American Bankers Association recommends these tips. Read them here.

New Statement Format Coming Soon!
To make it easier to track your finances, CBT is introducing a new, fresh statement format for a more user-friendly experience.

Online & Mobile Banking
Conveniently and securely access your accounts with CBT's Online and Mobile Banking services. Learn more about them here.

Online Banking & Bill Pay
Managing your business finances has never been easier with Community Bank & Trust’s enhanced digital Business Online Banking platform. Enjoy access to all of the services and tools you need to efficiently and effectively run your business every day, across multiple delivery channels.

Online Banking Survey
Online Banking Survey

Order Checks Online
Here you can order your checks online.

Other Financing
Talk to one of our Commercial Bankers to learn more about the different loans and financing options we offer your business.

Our Community
View CBT's community page.

Our Parent Company
Get to know more about our parent company, QCR Holdings, Inc.

Partnership Banking
Through CBT's Partnership Banking Program, we can offer your company and employees exclusive banking offers, on-site employee presentations, and more. This program is an easy and hassle-free way to enhance your company’s benefits package with little effort!

Payment & Disbursement Services
Easily make payments and manage your cash with Online Bill Pay, Credit Cards, Control Disbursement, Sweep Accounts, Wire Transfers, and Zero Balance Account.

Payment Exchange
Payment Exchange takes everything you love about traditional checks and combines it with the speed and ease of email. Check payments delivered in minutes, not days!

Payment Exchange
Payment Exchange fees, terms and conditions, and enrollment options.

Perks for Your Business and Your Employees
If your company does business with Community Bank & Trust, your company and employees can qualify for great, value-added services. View these services here.

Perks For Your Employees
If your company does business with Community Bank & Trust, your employees can qualify for exclusive rewards available only through our Partnership Banking program. View these rewards here.

PERSONAL

Personal Banking Products
Compare retail products and open an account

Personal Online Banking
Securely manage your finances 24 hours a day, 7 days a week with the convenience of our Personal Online Banking system. Free budgeting tool, transfer funds, pay bills, order checks, view statements and more!

Personal Online Banking FAQs
Here you will find FAQs about our Personal Online Banking.

Phishing
Here you can learn more about what 'Phishing' is and how it works.

Phone Banking
Easily access your accounts and your financial information 24 hours a day, 7 days a week through Phone Banking. All you need is a telephone!

Portfolio Account Link
Here you will find information regarding the Portfolio Account Link.

Positive Pay

President's Message
A message from CBT's President & CEO

Privacy

Privacy Notice
View Community Bank & Trust's Privacy Notice.

Protect Your ID
Here you will find tips on how to protect your ID.

QCR Holdings, Inc.
Get to know more about our parent company, QCR Holdings, Inc.

Quicken Quickbooks Direct Connect
With Direct Connect, Quicken® or QuickBooks® communicates directly with your accounts at Community Bank & Trust on your behalf. Learn more about them here.

Rates
Here you will find information on who to contact for current rates.

Raving Fan Award
Here you will find the forms for our CBT Awards of Excellence.

Raving Fan Award Nomination Form
Raving Fan Award Nomination Form

Raving Fan Form Submission

Receivables Management
Manage your cash flow with our payment collection services: ACH Services, Cash Processing, Lockbox Services, Merchant Processing, and Remote Deposit.

Refer A Friend
Simply refer-a-friend to open any new checking account with Community Bank & Trust between February 16th - April 15th and you’ll both receive $100.*

Referral Program
Invite a friend to open a checking account with Community Bank & Trust and you'll both earn rewards.

Remote Deposit

Rent vs. Buy
This calculator helps you weed through the fees, taxes and monthly payments to help you make a decision between renting or buying a home!

Resources

Retirement Planner
Use this calculator to help you create your retirement plan!

Roth IRA Conversion
Use this calculator to estimate the change in total net-worth, at retirement, if you convert your Traditional IRA into a Roth IRA!

Roth IRA Vs. Traditional IRA
Use this tool to determine which IRA ( Roth IRA or the Traditional IRA) may be right for you!

Roundtable RSVP
Roundtable RSVP

Roundtable Survey
Roundtable Survey

Royal Club
Learn more about all the benefits and fun you can have when you become a Royal Club member!

Safe Deposit Box
Renting a safety deposit box can be an effective, and affordable, way to store and protect important documents, family heirlooms, and priceless valuables. Learn more about our safety deposit boxes and what items you can store in them here.

Savings Accounts
Community Bank & Trust offers multiple savings account options to make it easier to save for your future.

Savings Goals
Use this calculator to find out what it will take to help you reach your savings goals!

SBA Lending
Community Bank & Trust is committed to the growth and prosperity of small businesses and are determined to help our clients achieve and build on their success. Learn more about our SBA loans here.

SBA PPP Forgiveness

Search

Secrets of Successful Savers
Find out how you can become a successful saver here.

Secure E-Mail Message Center
To further protect your information from unauthorized view, Community Bank & Trust has implemented Secure Email, a security feature that encrypts emails containing sensitive information such as social security numbers, date of birth, and account numbers.

Security Overview
The Security Overview eVideo Library

Services Agreement and Disclosure
Review our Business Online Banking Master Agreement is a part of the Treasury Management Agreement (“Agreement”) entered into between Client and Bank and applies to each Service in which Client enrolls.

Step Up & Volunteer

Step Up Teen Money Workshop

Thank You

Thank You For Your Account Inquiry

Thank You Step Up Teen

Tips for 2022 Tax Season

Top 50 Community Bank
QCR Holdings, Inc., the parent company of Community Bank & Trust (CBT), was recently named one of the Top 50 Best-Performing Community Banks of 2020 with assets between $3B and $10B by S&P Global Market Intelligence. QCR Holdings, Inc. is one of the only banks in our markets to make the list.

TREASURY MANAGEMENT

Treasury Management Services
Our Treasury Management team provides the most up-to-date electronic services, while still offering a personalized approach to banking. Learn more our services here.

Treasury Management Team
Community Bank & Trust Treasury Management Team

Trim Your Monthly Expenses
Are you looking to get into financial shape? You can trim down your monthly expense by following these easy suggestions. Read them here.

Unsung Hero Award
QBQ Unsung Hero Award Form

Video Tutorials
Here you will find CBT's Video Library.

Visa Business Credit Cards
Community Bank & Trust's business credit cards will help your business thrive. Each card includes the convenience, reliability, and flexibility you expect from your local bank.

We Care
Every year, Community Bank & Trust is contacted by many worthwhile charitable organizations. And every year, we make an effort to accommodate as many sponsorship and donation requests as possible. To be considered for a donation or sponsorship, please fill out the form located on this page.

WEALTH MANAGEMENT

Wealth Management
The objective of our Wealth Management & Trust Department is to help you meet your goals to grow and preserve your wealth by assisting in the development of your personalized financial plan and estate plan. Learn more about our services here.

Wealth Management Services
The objective of our Wealth Management & Trust Department is to help you meet your goals to grow and preserve your wealth by assisting in the development of your personalized financial plan and estate plan. Learn more about our services here.

Website Notice
View Community Bank & Trust's Website Notice.

With Us
Whether you've just been popped the question or you just introduced a new baby into the family, start your new journey - with us. CBT is here to guide you through all the hoops and be your financial partner.

Zelle®
Zelle® is a fast, safe, easy and contact-free way to send and receive money with friends, family and others you trust.