Health Savings Account
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
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 per month (excludes ATM-based transactions)3
- Receive eStatements4
- 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.5
| 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 March 1 2023, 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 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 $25,000.01. 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 $25,000.01 or more 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 of $20 per month. (3) The 15 Visa debit card transactions must post during the statement cycle. (4) 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. (5) 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 per month totaling a minimum of $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.3
| 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 November 1, 2022, 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 & eStatements1
- Parent on account
Additional Perks: Free mobile banking. Visa® debit card. Online Bill Pay. Safe deposit box free for first year.2
(1) Requirement of account. (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 |
|---|---|---|
| $100.00 + | 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 minimum
- 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.
