Personal Checking Accounts
Cedar Rapids 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.
|Account Description||A checking account with no minimum balance requirement or monthly service fees.||A checking account that rewards clients with a premium rate and refunds on all other bank's ATM fees.¹||An interest bearing checking account with a low average daily balance requirement.||A checking account that's built to protect and grow your money.|
|Minimum Opening Deposit||$100.00||$100.00||$100.00||$100.00|
|Minimum Balance Requirements||None||None||$500 Minimum or $750 Average Daily Balance||None|
|Monthly Service Charge (if below minimum)||None||None||$6.00 (waived if individual meets Minimum Balance Requirement)||None|
|Visa Check Card||Free||Free||Free||Free|
|Non-CRBT ATM Transaction Fee||6 Free; $1.50 Thereafter||Up to $20 in refunds/month¹||6 Free; $1.50 Thereafter||Free|
|Check Orders||Available||Free 1st Box of MAXX checks||Free 1st Box of Cedar Rapids checks||Available|
|Check Images||Available Online||Available Online||Images Provided via Statement or Online||Available Online|
|Linked to CRBT Line of Credit**||Available||NA||Available||NA|
|Safe Deposit Box2||1st Year Free||1st Year Free||1st Year Free||1st Year Free|
|Personal Online Banking||Free||Free3||Free||Free3|
|Online Bill Pay||Free||Free||Free||Free|
|24 Hour Phone Banking||Free||Free||Free||Free|
|Mobile Banking App||Free||Free||Free||Free3|
|Details||Step Up Teen||Wisdom***||Premier Plus|
|Account Description||Designed to give teens ages 11-17 the tools they need to "step up" and become more financially savvy and independent.||An interest bearing, no minimum balance checking account for clients 50 years of age and above.||An interest bearing, relationship checking account offering the best value to clients.|
|Minimum Opening Deposit||$25.00||$100.00||$1,000.00|
|Minimum Balance Requirements||None||None||$10,000.00 Relationship|
|Monthly Service Charge (if below minimum)||None||None||$10.00 (if below minimum)|
|Visa Check Card||Free||Free||Free|
|Non-CRBT ATM Transaction Fee||Free||Free||Free|
|Check Orders||Not Available||Free Wisdom checks||Free Premier Plus checks|
|Check Images||Not Available||Images Provided via Statement or Online||Images Provided via Statement or Online|
|Linked to CRBT Line of Credit**||NA||Available||Available|
|Safe Deposit Box2||1st Year Free||1st Year Free||1st Year Free|
|Personal Online Banking||Free3||Free||Free|
|Online Bill Pay||Free||Free||Free|
|24 Hour Phone Banking||Free||Free||Free|
|Mobile Banking App||Free||Free||Free|
*Refer to Cedar Rapids Bank & Trust rate sheet for information on interest rates and annual percentage yields.
** Subject to credit approval.
*** Must be 50 years of age and over.
1 Maximum ATM fee refunds of $20 per month.
2 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.
3 Requirement of account.