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Personal Banking Products

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. Safely access your accounts by downloading CRBT's Mobile Banking App.


Open an account today

With a variety of checking account options, you have the freedom to choose an account that fits both your lifestyle and your financial needs.


MAXX Checking™ Account

A checking account that rewards clients up to $25,000 with a premium rate and refunds on all other bank's ATM fees.2 Simply meet all the below requirements:

  • 15 Visa® debit card transactions posted per statement cycle (excludes ATM-based transactions)
  • Receive eStatements3
  • Set up at least one direct deposit or debit
  • Enroll in Personal Online Banking

Additional perks: Free mobile banking with mobile deposit. Visa® debit card. Online bill pay. Checks available. 24 hour phone banking. Safe deposit box free for first year.4

Minimum Balance for APY1 APY1 Minimum to Open
$0.00 - $25,000.00 3.33% $100.00
$25,000.01 + 1.07% $100.00

(1) Annual percentage yield. Rate may change after account opening. APY is accurate as of February 1, 2024, and is not an introductory rate. Rates will be paid only for that portion of your daily balance in each tier.  3.33% APY is for daily balances up to $25,000. To obtain the premium APY and ATM refunds, you must have an opening deposit of $100 and meet the requirements listed above for the MAXX Checking™ account.  An interest rate of 3.28% will be paid only for that portion of your daily balance that is $25,000 or less. The APY for this tier will be 3.33%. An interest rate of .50% will be paid only for that portion of your daily balance that is greater than $25,000. The APY range for this tier will be 3.33% to 1.07%. If your daily balance is $25,000 or less and you have not met the account requirements, the interest rate and annual percentage yield paid on that portion of your balance will be .10% APY. If your daily balance is greater than $25,000 and you have not met the account requirements, the interest paid on that portion of your daily balance will be .01% with an annual percentage yield range of .10% to .03%. (2) Maximum ATM fee refund for $20 per month, If you fail to meet the 15 Visa Debit Card transaction requirement (per statement cycle), the foreign ATM fees refunded to you will be charged back to your account on the last day of the statement cycle in one fee described as "Prior Month ATM Refunds." (3) Valid email address required. A $5 monthly statement fee will be assessed on accounts that do not sign up for e-Statements within 90 days of account opening. Fees may reduce earnings.  (4) 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.

Vault

Earn more money as you maximize your balances up to $10,000 with Cedar Rapids Bank & Trust's premium rate. Simply meet all of the below requirements:

  • 10 Visa® debit card transactions posted per statement cycle totaling $100 (excludes ATM transactions)
  • Receive eStatements2
  • Set up one monthly direct deposit or debit with $250 minimum
  • Enroll in Personal Online Banking
  • Download mobile banking app featuring bill pay, person-to-person payment and mobile deposit

Additional perks: Free Visa® debit card. Checks available. 24 hour phone banking. Safe deposit box free for first year.

Minimum Balance for APY1 APY1 Minimum to Open
$0.00 - $10,000.00 3.00% $100.00
$10,000.01 + 0.33% $100.00

(1) Annual Percentage Yield. Rate may change after the account is opened. APY accurate as of February 1, 2024, and is not an introductory rate. Opening deposit requirement of $100. APY is for balances up to $10,000. An interest rate of 2.96% will be paid only for that portion of your daily balance that is $10,000 or less. The APY for this tier will be 3.00%. An interest rate of .10% will be paid only for that portion of your daily balance that is greater than $10,000. The APY range for this tier will be 3.00% to 0.33%. Regardless of your balance, if you do not meet the requirements listed, the interest rate and APY will be 0.01%. Limit one Vault or MAXX acct per TIN. (2) Valid email address required. A $5 statement fee will be assessed on all accounts that do not sign up for e-statements within 90 days of account opening. Fees may reduce earnings. (3) 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.


Free

A non-interest bearing checking account with no minimum balance requirement or monthly service fees:

  • Free online banking, bill pay & eStatements
  • Free mobile banking with mobile deposit
  • Free Visa® debit card

Additional perks:  Checks available. 24 hour phone banking. Safe deposit box free for first year.1 Linked to CRBT Line of Credit.2 

** Additional non-CRBT ATM fees may apply (1) 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. (2) Subject to credit approval. 


Step Up Teen

Designed to give teens up to the age of 18 the tools they need to "step up" and become more financially savvy and independent:

  • No minimum balance requirement
  • No monthly service charge
  • Non-interest bearing account
  • Checks not available
  • Free online banking & eStatements
  • Parent(s) can monitor account and advise teen as a required joint owner
  • Gain debit card responsibility with the protection of a lower-limit Visa debit card.
  • Earn cash rewards for celebrating milestones such a birthday, driver's license, and diploma!1

Additional Perks: Free mobile banking. Visa® debit card. Online Bill Pay. Safe deposit box free for first year.2

(1)  Reported as interest income on a 1099-INT. Deposit will not be immediate. Deposit will be made into the account at the end of the month in which we receive your voucher or milestone proof. Offer expires after 30 calendar days of your birthday or milestone. (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. 


Wisdom

An interest bearing, no minimum balance checking account for clients 50 years of age and above:

  • No minimum balance requirement
  • No monthly service charge
  • Free online banking, bill pay & eStatements
  • Free mobile banking with mobile deposit

Additional Perks: Free Visa® debit card and Wisdom checks. 24 hour phone banking. Safe deposit box free for first year.2 Available to link to CRBT Line of Credit.3

Minimum Balance for APY1 APY1 Minimum to Open
$0.00 + 0.10% $100.00

(1) Annual Percentage Yield. Rates subject to change. Fees may reduce earnings. (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) Subject to credit approval. 


Premier Plus

An interest bearing, relationship checking account offering the best value to clients:

  • $10,000 relationship minimum balance required
  • $10.00 monthly service charge if below $10,000
  • Free online banking, bill pay & eStatements
  • Free mobile banking with mobile deposit

Additional perks: Free Visa® debit card and Premier Plus checks. 24 hour phone banking. Safe deposit box free for first year.2 Available to link to CRBT Line of Credit.3 

Minimum Balance for APY1 APY1 Minimum to Open
$0.00 - $9,999.00 0.25% $1,000.00
$10,000.00 - $49,999.00 0.38% $1,000.00
$50,000.00 - $99,999.00 0.86% $1,000.00
$100,000.00 + 1.02% $1,000.00

(1) Annual Percentage Yield. Rates subject to change. Fees may reduce earnings.   (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) Subject to credit approval. 

BankOn

Crbt bankon checking

The BankOn Checking account helps to establish a banking relationship, whether you are establishing a bank account for the first time or have encountered difficulties in the past and want a second chance at rebuilding your financial history.(1)

  • Safe and secure account for storing earnings and starting savings
  • Visa debit card
  • Free access to 55,000+ nationwide Privilege Status® ATMs
  • Online and mobile banking
  • Online bill pay
  • $2.00 per month paper statement
  • Low $25 minimum deposit to open
  • $5 monthly service charge
  • No Overdraft or NSF fees(2)
  • No early account closure or dormant fees will be charged on this account

To learn more about the benefits of BankOn Checking, or to open an account, please contact or visit any of our offices.


(1) Consumers with a previously reported negative bank history are eligible to upgrade to a different product type after 12 months in good standing.

(2) This account is not eligible for our Overdraft Protection services. Account allows spending of funds available in the account. A transaction may get declined or returned if there is not enough money in the account to cover the item. There may be situations where the account may be overdrawn causing a negative balance, but an overdraft fee will not be assessed. Account holders are expected to remedy the overdrawn balance as soon as they are aware. Multiple instances of the account being overdrawn may result in the account being closed for misuse.


No matter what your unique financial situation, Cedar Rapids Bank & Trust has a variety of savings options custom fit to suit you. 


Steady Savings

A savings account with unlimited withdrawals:

  • $100 average daily balance required; $5.00 monthly service charge if below minimum
  • $1.50 non-CRBT ATM transaction fee
  • Free eStatements
  • 24 hour phone banking
Minimum Balance for APY1 APY1 Minimum to Open
$100.00 + 0.10% $100.00

(1)Annual Percentage Yield. Rates subject to change. Fees may reduce earning. 

Select Savings

An interest earning, tiered rate account offering market-leading rates:

  • $10,000.00 minimum balance required; $10.00 monthly service charge if below minimum
  • $1.50 non-CRBT ATM transaction fee
  • Free eStatements
  • 24 hour phone banking
Minimum Balance for APY1 APY1 Minimum to Open
$0.00 - $9,999.00 0.00% $10,000.00
$10,000.00 - $24,999.00 0.91% $10,000.00
$25,000.00 - $49,999.00 1.12% $10,000.00
$50,000.00 + 1.32% $10,000.00

(1) Annual Percentage Yield. Rates subject to change. Fees may reduce earning. All fees subject to state and local sales tax.


Money Market

An interest earning, tiered rate account with check writing privileges and market-leading rate

  • $1,000.00 average daily balance required; $5.00 monthly service charge if below minimum
  • Free eStatements
  • 24 hour phone banking


    Minimum Balance for APY1 APY1 Minimum to Open
    $0.00 - $999.00 0.00% $1,000.00
    $1,000.00 - $9,999.00 0.10% $1,000.00
    $10,000.00 - $49,999.00 0.71% $1,000.00
    $50,000.00 - $99,999.00 1.01% $1,000.00
    $100,000.00 + 1.52% $1,000.00

    (1) Annual Percentage Yield. Rates subject to change. Fees may reduce earning.  All fees subject to state and local sales tax.


    Christmas Fund / Future Fund Savings

    A savings account designed for building funds for a specific future use:

    • No minimum balance required
    • One withdraw per year
    • Free eStatements
    • 24 hour phone banking
    Minimum Balance for APY1 APY1 Minimum to Open
    $0.00 + 0.10% $1.00

    (1) Annual Percentage Yield. Rates subject to change. Fees may reduce earning. 

    Rookie Cookie Savings

    A savings account designed for children 18 years of age and under:

    • No minimum balance required
    • Unlimited on-site withdrawals
    • Free eStatements
    • 24 hour phone banking
    Minimum Balance for APY1 APY1 Minimum to Open
    $0.00 + 0.10% $1.00

    (1) Annual Percentage Yield. Rates subject to change. 

    Watch your money grow on your terms.


    11 Month Savings CD Special

    Rates offered as of 2/1/24. Rates are subject to change without notice. 

    Minimum Balance for APY1 APY1 Minimum to Open
    $500.00 + 4.50% $500.00

    (1) Annual Percentage Yield effective as of February 1, 2024. CD needs to be open 7 business days prior to closing the CD. Penalty for early withdrawal. Minimum of $500 required to earn 4.50% APY. Institutional/business funds not eligible. 

    Health Savings Account

    The Health Savings Account (HSA) is a tax advantage savings plan available to taxpayers in the United States who are enrolled in a High Deductible Health Plan (HDHP) and are used to cover current and future medical expenses. An HSA allows contributions to be added before tax is paid on it and then to withdraw the money tax-free1 for qualified medical expenses. HSAs help to manage medical expenses and reduce the continuing growth of healthcare costs.

    Benefits of a Health Savings Account paired with a high deductible health plan include:

    Minimum Balance for APY1 APY1 Minimum to Open
    $0.00 - $9,999.00 0.50% $0.00
    $10,000.00 - $24,999.00 1.01% $0.00
    $25,000.00 + 1.27% $0.00

    (1) Annual Percentage Yield. Rates subject to change. Fees may reduce earnings. HSAs are never taxed at a federal income tax level when used appropriately for qualified medical expenses. Also, most states recognize HSA funds as tax deductible with very few exceptions. Please consult a tax advisor regarding your state's specific rules.

    First-Time Home Buyer Savings Account

    Your home is one of the largest investments you'll ever make. Save the smart way - with a CRBT first-time home buyer savings account. Not only does it help you save, but you may be eligible for a state tax deduction:

    • A deposit account created to save for a down payment for a single-family, primary residence in the state of Iowa2
    • Individual savings account may be eligible for a state tax deduction3
    • Joint savings account and filing taxes jointly, may be eligible for a state tax deduction3
    • Interest earned not taxable
    • $5.00 monthly service charge if below minimum 
    Minimum Balance for APY1 APY1 Minimum to Open
    $100.00 + 0.50% $100.00

    (1) Annual Percentage Yield effective as of January 1, 2024. Rates subject to change. Fees may reduce earning.  All fees subject to state and local sales tax.  (2) Iowa Senate File 505 defines a first-time home buyer as an individual who is a resident of Iowa and who does not own, either individually or jointly, a single-family or multi-family residence for a period of three years prior to the date on which the individual is named as a designated beneficiary of a first-time home buyer savings account and the date of the qualified home purchase for which the eligible home costs are paid or reimbursed from a first-time home buyer savings account.  (3) You may be eligible for an annual tax deduction up to 10 times a maximum of 10 years. These tax deductions are state only and cannot be claimed on a federal tax return. Please consult your tax advisor, prior to opening a First-Time Home Buyer Savings Account, as we do not provide tax or legal advice. Funds will be available to use towards a qualified home purchase 90 days after first deposit in the the First-Time Home Buyer Savings Account. The funds should be used by January 1 of the 10th year following the year they opened the account.