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. 

Download CRBT's Mobile Banking App (click for more info).

Compare Checking Accounts
Details Free MAXX Cedar Rapids Vault
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
Interest Earnings* None Variable Variable Variable
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
eStatements Free Free3 Free Free3
24 Hour Phone Banking Free Free Free Free
Mobile Banking App Free Free Free Free3
Additional Checking Account Options
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)
Interest Earnings* None Variable Variable
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
eStatements Free3 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.