Vault Checking

1.67% APY¹

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:

• A minimum of 10 Visa debit card transactions have posted and settled to your account totaling a minimum of $100. ATM transactions do not count toward this requirement;
• Have at least one direct deposit or direct debit with a $250 minimum posted and settled to your account; and
• 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.

POWERFUL BUILT-IN SECURITY

Enjoy peace of mind as you protect your hard-earned money with Cedar Rapids Bank & Trust's powerful multi-layer account security - regardless of which device you're on!

• Fingerprint and Face ID login available for mobile banking app
• Verification Code Texts for log ins from unfamiliar PC
• Chip-enabled Visa® debit card
• Free 24/7 credit score access via mobile app and online banking including free monthly credit reports, credit alerts to help monitor for fraud, and personalized tips to improve your score.
• 24/7 Debit card fraud alerts
• Ability to turn "off" your card if lost or stolen with CRBT Card Control
  
• Fraud recovery services with dedicated fraud specialist

Additional perks: Free Visa® debit card. Checks available. 24 hour phone banking. Safe deposit box free for first year.² 

^{(1)  Vault Checking Annual percentage yield (APY). APY is accurate as of September 22, 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. 1.67% APY is for balances up to $10,000. To obtain the premium APY you must have an opening deposit of $100 and meet all of the following requirements per statement cycle for the Vault Checking account:}

^{- Debit Card Activity*: A minimum of 10 Visa debit card transactions have posted and settled to your account totaling a minimum of $100. ATM transactions do not count toward this requirement;}

^{-  Direct Deposit or Debit**: Have at least one direct deposit or direct debit with a $250 minimum 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.}

^{An interest rate of 1.66% will be paid for that portion of your daily balance that is $10,000 or less. The APY for this tier will be 1.67%. 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 1.67% to 0.23%. Regardless of your balance, if you do not meet the requirements of the account, the interest rate and APY will be 0.01%.}

^{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.}

^{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”.}

^{(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.}