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. Safely access your accounts by downloading CRBT's Mobile Banking App.
Compare M@XX vs Vault Interest Earned Annually
| 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 |
| 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.