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Checking Accounts

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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, Mobile App and E-Statement Services

Deposit Account Application

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
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Compare Our Rates

Contact us for current rates.

Learn More

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.