MAXXimize What Matters to You with a MAXX Checking® Account

Whether you use your bonus to save, spend, or support a cause you care about, it’s yours to put toward what’s important. Plus, with our easy-to-use tools and convenient checking account, managing your money is made easier - so you can focus on what matters.

NEW! New Clients: Earn a $400 MAXX Checking® Bonus¹

• Earn a 3.33% APY² and receive non-bank owned ATM refunds by meeting the following requirements:
  • 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.
• Enjoy 24/7 access to your credit score, quickly send & receive money, and more!

Use the link below to open a MAXX Checking® Account today! Promotion ends 12/31/25.

Current Clients: $200 Refer-a-Friend Bonus for Existing Clients³

• What matters to you? Is it giving back to the community? Saving for a big goal? Referring a friend to CRBT for unlimited bonuses? When you refer a friend and they open a MAXX Checking® account, you'll earn $200 per referral as a thank you.³ There's limit on how many friends you can refer. Go ahead, spread the love and soak up the bonuses! Tell them to add your name to the referral code. Promotion ends 12/31/25.

Experience the benefits of responsive and local service powered by our relationship-driven, friendly bankers. 

^{1 New Client Maxx Checking® Bonus Offer: Earn a $400 bonus when you open a new Maxx Checking® account and meet the following requirements within 3 months of account opening (“qualifying period”).
To qualify for the New Client Maxx Checking® Bonus Offer:
1) Open a new Maxx Checking® account with a minimum opening deposit of $100, subject to approval;
2) Use your account’s debit card* at least once;
3) Receive at least 1 qualifying direct deposit or direct debit** made through the Automated Clearing House (ACH) network, of $250 or more per transaction, posted and settled during the “qualifying period”.
Eligibility: All requirements must be completed, and the account must be open for at least 30 calendar days to be eligible for the bonus. This offer is available only to new Cedar Rapids Bank & Trust or Community Bank & Trust clients who have not held any consumer checking account with either bank in the past 12 months. Only new Maxx Checking® account clients are eligible. Current consumer checking clients of either bank are not eligible for this bonus offer, even if they have not previously held a Maxx Checking® account. Must be an Iowa resident to open an account.
Bonus Payment: The bonus will be deposited into your Maxx Checking® account within 30 calendar days after all of the qualifying requirements are met, provided the requirements were met within the “qualifying period”, the account is active and has a positive balance at the time of the bonus payment.
Additional terms: This offer is limited to one bonus per customer, per account, and will be paid to the primary owner. Cannot be combined with other offers. Promotion ends 12/31/2025 and is subject to change without notice.}

^{2 MAXX Checking® Annual percentage yield (APY). APY is accurate as of October 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”.}

^{3 Refer-a-Friend offer details: Refer a new client to open a consumer checking account, which is subject to approval. Once the new client has met all requirements of the MAXX Checking account Bonus Offer and its qualifying terms, the current client will receive a $200 credit into their CRBT checking account within 30 calendar days provided both the current client and referred accounts remain open at the time of payout. Bonus will be applied as a credit to the referring client’s account. New clients may not combine this with any other promotion. Existing clients can earn unlimited Refer-A-Friend bonuses. Promotion ends 12/31/2025 and is subject to change without notice.}

^{Qualifying Transactions for all offers and 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”.}

^{Tax Information: All bonuses and offers will be reported to the IRS under the primary account owner, as applicable. The primary account owner is the owner whose Taxpayer Identification Number (TIN), such as a Social Security Number (SSN), is assigned to the account and has tax responsibility. Client will be responsible for taxes on this bonus. Consult your tax advisor. Please consult with a tax advisor for more information on the tax deductibility of charitable donations and for how to claim a tax deduction.}

^{If you choose to donate your $400 bonus, the donation of funds is a separate transaction and is the sole responsibility of the client. The bank is not a party to the donation transaction, will not act as an intermediary, and does not verify donation transactions. If you choose to donate, you may be eligible for a charitable tax deduction. Please consult with a tax advisor for more information on the tax deductibility of charitable donations and for how to claim a tax deduction.}