Maximize Your Money with a Better Rate Using MAXX Checking®
Looking for a checking account with a premium interest rate and ATM fee refunds? Then you'll love Cedar Rapids Bank & Trust's MAXX Checking® account. With MAXX, you'll earn a 3.33% APY1 on balances up to $25,000 and receive non-CRBT ATM refunds2 when you have an opening deposit of $100 and meet all of the following requirements during each statement cycle for the MAXX Checking® account:
- Debit Card Activity*: A minimum of 15 Visa® debit card transactions have posted and settled to your account. ATM transactions do not count toward this requirement;
- Direct deposit or Debit**: Have at least one direct deposit or one automatic debit ACH (Automated Clearing House) posted and settled to your account; and
- Electronic Statements: You must be enrolled in electronic statements and receive your monthly account statement electronically (e-Statements). Enrollment in Personal Online Banking (via browser or mobile app) and a valid email address are required for e-Statement delivery.
Don't meet one of these monthly requirements? No problem. You won't earn the premium rewards for that month, but you can start over the following month.
Switch to MAXX
Our friendly, professional banking advisors will help you determine if MAXX is best for you. Making the switch from your current financial institution to CRBT is easy, thanks to our online switch tool called ClickSWITCH. Click here to view all checking accounts.
Monitor Your MAXX
With CRBT Mobile Banking, you can safely monitor your MAXX checking® account from your phone - and pay bills, transfer funds, set up alerts and find ATMs.
Questions?
Call us at 319.862.2728 Email us Visit our locations
1 MAXX Checking® Annual Percentage yield (APY). APY is accurate as of July 1, 2025, and is not an introductory rate. Rate may change after account opening. 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 non-CRBT ATM fee refunds, you must have an opening deposit of $100 and meet all of the following requirements during each statement cycle for the MAXX Checking® account:
1) Debit Card Activity*: A minimum of 15 Visa® debit card transactions have posted and settled to your account. ATM transactions do not count toward this requirement;
2) Direct deposit or Debit**: Have at least one direct deposit or one automatic debit ACH (Automated Clearing House) posted and settled to your account; and
3) Electronic Statements: You must be enrolled in electronic statements and receive your monthly account statement electronically (e-Statements). Enrollment in Personal Online Banking (via browser or mobile app) and a valid email address are required for e-Statement delivery.
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%. Limit one MAXX Checking® account per Tax Identification Number.
Paper Statement Fee: Valid email address required for e-Statements. A $5 paper 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.
Non-Bank Owned ATM Fee Refunds: Maximum refund of $20 per statement cycle when Maxx Checking® requirements are met. If requirements are not met, any previously refunded non-bank owned ATM fees will be reversed on the last day of the statement cycle in a single charge to your account, labeled “Prior Month ATM Refunds”.
2 Maximum ATM fee refund of $20 per month. Must meet account requirements to receive refund.
Qualifying Transactions for APY requirements:
*Qualifying Visa® debit card transactions are defined as point-of-sale transactions made with your debit card that are completed using a PIN (personal identification number), signature, contactless, or mobile wallet (e.g., Apple Pay, Google Pay, Samsung Pay). ATM transactions do not count towards this total. Debit card transactions authorized but not yet posted do not count toward the debit card requirement.
**Direct deposit ACH examples are, but not limited to, an electronic deposit of your paycheck, pension or government benefits from your employer or the government. Person to person or Account to Account payments (such as, but not limited to, Zelle, Venmo or CashApp) are not considered a direct deposit. Direct debit ACH examples would be, but are not limited to, a car payment, mortgage, rent payment or another household bill.
All qualifying transactions must have posted and settled to the account by the last business day of the “qualifying period”.