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.
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| 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.