Business Checking Accounts

At Cedar Rapids 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. Stop by one of our locations and we'll walk you through your options. You can count on us to be responsive, reliable, professional - and always friendly. We truly are here for you - connecting you with the products and people you need to prosper.

Open an Account

Only a minimum $100 deposit is required to open any of our business checking accounts. Each one features:

  • Business Visa Check Card
  • 24-hour phone banking
  • Check images

Business Checking Account Types

CRBT offers:

  • Business Essentials - for low-volume emerging and established businesses
  • Business Preferred- interest-bearing account; must maintain higher balance
  • Business Analysis - high-activity account; uses earned credit to offset fees.
Checking Comparison
Account Description Designed for emerging and established businesses with low volume. Interest bearing checking account offering a better value to businesses that maintain higher balances. High activity checking account that utilizes earned credit to offset service and maintenance fees.
Minimum Opening Deposit $100.00 $100.00 $100.00
Interest Earnings* Not Applicable Variable Not Applicable
Earnings Credit Index Not Applicable Not Applicable Variable
Minimum Balance Requirement None $10,000.00 None
Monthly Maintenance None Average Daily Balance $15.00
Monthly Service Charge (if below minimum) None None Not Applicable
Checks Written and Other Debits 125 Free per Statement; Over 125, $0.25 each $30.00 $0.229 per Item
On-Going Overdraft $5.00 to be charged on the 3rd day 300 Free per Statement; Over 300, $0.20 each $5.00 to be charged on the 3rd day
Deposits and Other Credits No Charge $5.00 to be charged on the 3rd day $0.497
Negative Collected Balance Charge Not Applicable No Charge Prime + 4%
Items Deposited Included in "Checks Written and Other Debits." See Above Not Applicable See Below
On Us Not Applicable 300 Free per Statement; Over 300, $0.20 each $0.109
Iowa Items Not Applicable Not Applicable $0.117
All Others Not Applicable Not Applicable $0.149
Reserve Requirement Not Applicable Not Applicable 10%
Check Images Free Not Applicable Free
Monthly or Annual CD Available Free Available
FDIC Assessment Not Applicable Available Current Rate
Business Visa Check Card Free Not Applicable Free
Business Online Banking Free Free $30.00
Remote Deposit Not Applicable Free Available
Online Bill Pay Available Available Available
Online Statements Required Available Free
24 Hour Phone Banking Free Free Free

Switching Banks

At Cedar Rapids Bank & Trust, we make it easy for your business or organization to switch from your financial institution to ours.


All fees will be subject to state and local sales tax.

*Refer to CRBT rate sheet for more information on interest rates and annual percentage yields.