Your Locally Owned
Full-Service Financial Partner


Checking Accounts

Home Open an Account Checking Accounts

Find the Right Account for You 

Standard Checking Account Benefits

Each checking account we offer contains standard benefits to help you effectively manage your money, including:

  • First year annual ATM SHAZAMChek/Debit Card fee waived
  • No surcharge at Privileged Status ATMs
  • No Point of Sale or SHAZAMChek Debit Charge
  • Free Telebanking, Internet Banking and E-Statement Services

Deposit Account Application

Compare Our Checking Accounts

AccountWhy it’s a fitOpening Balance RequirementMinimum Balance RequirementFeesAdditional Benefits

Regular Checking

Receive a good mix of all available checking services


$300 to avoid service charge

$3.00* monthly service charge if balance falls below $300 in the statement cycle and a

$ .20*  Debit Item Fee per debit/withdrawal after 50 items exceeded.

50 free debit/withdrawal items per monthly statement cycle (ATM and ShazamChek/debit card withdrawals are not included in the debit withdrawal count)  

  • Check images with statement

Economy Checking

Receive low fees and minimum balance requirements



$2.00* monthly service charge per statement cycle (Service charge waived for seniors over 65 and full-time students with parent/guardian on account)

  • First order of 50 checks free
  • Check images truncated

NOW Account

Competitive interest-bearing account that credits interest to your account monthly


$1,000 to avoid service charge

$1,000 to earn interest

$5.00* monthly service charge if balance falls below $1,000 in the statement cycle.

  • Unlimited Check Writing
  • Check images with statement


Cedar Valley Club

Offered to individuals who are 55 years or older with a savings or certificate of deposit




To qualify:  you must have a balance of $1,000 in either a Personal Savings Account, Money Market Deposit Account, Valley Market Account or NOW Checking Account;  or a $10,000 Certificate of Deposit 

  • No monthly service charge
  • Unlimited Check Writing
  • Free Personalized club checks
  • Free lamination and single photocopies
  • No issuing charge for Travel Money Card or Cashier's Check
  • Discount on Safe Deposit Box Rental
  • Check images with statement
*Subject to Iowa State Sales Tax

Compare Our Rates

Contact us at either our La Porte City or Vinton office for current rates.


Open Your Checking Account

If you are ready to open a checking account at Cedar Valley Bank & Trust, please contact a member of our personal banking team or apply online.