Account Features

To learn more, contact a CRBT Relationship Banker at 319.862.2728

^{Bonus offer is valid between July 1, 2026 – September 30, 2026. Offer is subject to change or termination at any time without notice.}

^{1) Step Up Teen Checking Account Bonus Offer:  Earn a $425 bonus or gift when you open a new Step Up Teen checking account, subject to approval, and meet all the following requirements for your account type within 90 calendar days of account opening (“qualifying period”). Minimum opening deposit of $25 required.}

• ^{A minimum of 5 qualifying Visa® debit card transactions have posted to your account;}
• ^{Account must be open a minimum of 90 days.}

^{Qualifying Transactions: Debit card purchases must be point-of-sale transactions (ATM transactions do not qualify). Direct deposits must be qualifying electronic deposits; person-to-person transfers may not qualify. See full account terms for additional details.}

<sup>Bonus or Gift Options: New client may choose one (1) of the following bonus options when they open their new checking account: Yeti® Cooler (retail value $300), Solo® Stove (retail value $249), or a Ninja® Slushie Maker (retail value $299), or a $425 credit to the new account. Accounts opened online will automatically default to the $425 credit.  Bank reserves the right to substitute a gift of equal or greater value if advertised item becomes unavailable.

Ninja® is a registered trademark of SharkNinja Operating LLC.  YETI® is a registered trademark of YETI Coolers, LLC. Solo Stove® is a registered trademark of Solo Stove, LLC. These companies are not affiliated with or sponsoring this promotion.</sup> 

^{Eligibility: Offer available to Iowa residents ages 13–18 with a parent or legal guardian as joint owner who open a new Step Up Teen Checking account. Account must remain open, active, and with a positive balance for at least 90 days. Limit one bonus per tax ID. Not available to current CRBT/CBT checking clients, those who have had a checking account within the past 12 months, or clients who previously received a new account bonus. Offer cannot be combined with other offers.}

^{2) Rookie Cookie Savings Account Bonus Offer:  Earn a $50 bonus when you open a new Rookie Cookie Savings account, subject to approval. To qualify, the account must remain open with a positive balance for 90 calendar days after opening. Minimum opening deposit of $1 required.}

^{Eligibility / Additional Terms: Only new Rookie Cookie Savings account clients are eligible. Clients must not have a closed savings account with either Cedar Rapids Bank & Trust or Community Bank & Trust within the past 12 months. This savings account is designed for ages 18 years of age and younger.  Minors under 18 years old must have a parent or legal guardian as a joint owner. This offer is limited to one bonus per tax identification number. Offer cannot be combined with other offers. Early closing fee may apply. Bonus offer is only available to residents of Iowa.}

^{Bonus Payment: Bonus will be credited to the account within 30 days after the end of the 90-day qualifying period, if requirements are met. Step Up Teen Checking: Gift (if selected) will be available within 30 days after all requirements are met and must be picked up within 30 days or will be replaced with a $425 account credit.}

^{3) Prize Offer: Must be a current minor account holder to receive prize. Client must bring postcard to a local branch between June 1 and September 30, 2026 to receive prize. Account must be active at time of receipt. While supplies last.}

^{4) Annual Percentage Yield (APY) APY is accurate as of July 1, 2026. Rate may change after the account is opened. Rates will be paid only for that portion of your daily balance in each tier. An interest rate of 3.93% will be paid only for that portion of your daily balance that is $2,500 or less. The APY for this tier will be 4.00%. An interest rate of 0.05% will be paid only for that portion of your daily balance that is greater than $2,500. The APY range for this tier will be 4.00% to 0.13% depending on the balance in the account.  No minimum balance required. Early closing fee may apply. Fees may reduce earnings.}

^{5) Reported to the IRS as applicable. Consult your tax advisor. Deposit will not be immediate. Deposit will be made into the account within 30 calendar days of notifying the bank of the reward.} 

^{6) 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.} 

^{* Volunteer opportunities and $50 donation are only available to Step Up Teen Checking account holders.}