Community Bank & Trust MAXX Checking Account: $300 Sign Up Bonus + $100 Referral [IA] – Ends 12/31/25

Earn a $300 bonus with Community Bank & Trust’s MAXX Checking™ account! Learn how to meet requirements and start enjoying premium APY, ATM fee refunds, and more.

Introduction: Cozy Up to a Bonus

When it comes to banking, finding the perfect checking account that offers both premium perks and a nice bonus is like hitting the jackpot. Community Bank & Trust’s MAXX Checking™ account is just that! The checking account offers rewards for doing the regular banking tasks we all do anyway. The MAXX Checking™ account checks all those boxes—plus, it throws in a cozy $300 bonus to sweeten the deal!

This offer is for residents of Iowa living in the bank’s service area.

Keep reading to see how you can earn that $300 bonus and take advantage of some great features!

Key Takeaways

• Earn a $300 bonus after meeting a few simple requirements, like setting up a direct deposit and making debit card transactions.
• 3.33% APY for balances up to $25,000—way higher than what most checking accounts offer.
• ATM fee refunds up to $20 per month if you meet the account’s requirements.
• You have until December 31, 2025 to take advantage of the bonus offer!

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How to Earn the $300 Bonus

Let me break it down: to score the $300 bonus, you’ll need to open a new MAXX Checking™ account and meet the following requirements within 6 months of opening:

1. Direct Deposit or Direct Debit: You need to set up a recurring deposit or debit of at least $250 each month. This can be your paycheck, pension, or even a car payment (but Zelle or Venmo won’t count).
2. Visa® Debit Card Transactions: You’ll have to make at least 15 debit card purchases per statement cycle. It sounds like a lot, but this is just regular spending (think groceries, gas, etc.).
3. Personal Online Banking Enrollment: You need to enroll in their online banking system, but hey, that’s a given, right? Who doesn’t use online banking these days?
4. eStatements: You’ll need to sign up for eStatements, which is actually a great eco-friendly move!

What’s the MAXX Checking™ Account All About?

Now, you’re probably asking, “What’s so special about this account?” Besides the $300 bonus, the MAXX Checking™ account offers an impressive 3.33% APY for balances up to $25,000. In comparison, most standard checking accounts pay next to nothing in interest. Plus, Community Bank & Trust will refund up to $20 in ATM fees each month if you meet the account’s requirements.

So, how do you ensure you’re hitting those targets? It’s simpler than you might think. Using your debit card for everyday purchases, setting up a couple of bills to be automatically paid, and enrolling in online banking is all it takes to enjoy these awesome perks.

Earning Extra Rewards: Refer-a-Friend

Want to make the most out of this offer? If you’re already a customer of Community Bank & Trust, they have an awesome Refer-a-Friend program. For each person you refer, you’ll get $100 after they meet the qualifying activities. And get this—there’s no limit on how many friends you can refer! So, if you’ve got a big network, you can keep earning those $100 bonuses. Just tell your friends to use your name in the referral code when they apply.

Our Take: Is It Worth It?

If you’re looking to switch things up or open a new account, I’d say go for it. Community Bank & Trust’s MAXX Checking™ account offers excellent value with that 3.33% APY and the added benefit of ATM fee refunds. Plus, that $300 bonus is a pretty sweet incentive to help you get started. And, hey, it’s just as easy to get as any other checking account—so why not enjoy the extra rewards.

READ MORE: SEE THE BEST BANK BONUSES HERE