Cash Rewards Checking
Cash Rewards Checking isn’t like other checking accounts that require high balances or charge monthly fees to earn interest.
Cash Rewards Checking offers 6.01% APY* and Free ATMs nationwide, along with some great benefits.
 | Free Checking |
 | Free Debit Card** |
 | Free Online Banking |
 | Free Bill Pay |
 | No Minimum Balance Requirement |
 | No Monthly Fees |
 | ATM Fees are automatically refunded |
Always earn interest, regardless of your balance!
6.01% APY* on balances of $.01 to $20,000 |
1.51% APY* on balances over $20,000 |
0.25% APY* on balances even when you don't meet the 3 easy steps! |
Just Three Easy Steps to Earn Bonus Rates and Free ATMs Nationwide***
A. |
Use your FREE Debit Card**
Make purchases without writing checks using our FREE VISA® Debit Card. Simply have 12 or more signature-based purchases posted within the monthly qualification cycle. |
B. |
Make an automatic payment or direct deposit
Have one or more automatic payment (like a utility bill) or direct deposits each month. |
C. |
Go electronic and eliminate paper statements with FREE eStatements
Each month we’ll send you an email to tell you your statement is ready to view online. You must have a valid email address to receive notification. |
We want to REWARD you for helping us operate more efficiently. If you don't do everything you need to do to get the Rewards one month, don't worry - you still have a great free checking account, and you can try again to meet the requirements the next month.
Ready to start earning? Stop in today and open your Cash Rewards Checking account!
More Information
*Cash Rewards Checking requires $25 opening balance; no minimum balance thereafter.
If requirements are met during statement cycle, 6.01% Annual Percentage Yield (APY) (Cash Reward)
is paid up to $20,000. On any balance above $20,000, 1.51% APY is paid. If requirements are met during
the statement cycle, ***ATM surcharge fees of up to $20 per statement cycle will be refunded. Requirements for earning
Cash Rewards and fee refunds include: 12 debit transactions in statement cycle (ATM transactions excluded),
and electronic statement delivery, and one direct deposit or ACH debit per statement cycle. APY accurate
as of 1/14/08. Rates and terms subject to change without notice. ** Replacement/Lost Card Fees May Apply. Member FDIC
Free Checking Package
Our free checking is more than a basic account. With no minimum balance requirement and no monthly service charge, you get unlimited check writing, free Online Banking, free Bill Pay and a free VISA® Debit Card1. In addition, you may open a savings account and track your activity on both accounts on a combined monthly statement. Only $25 required to open your account. Overdraft Privilege2 up to $300 is also available on this account.
Checking Plus
This no-minimum-balance account earns interest, provides access to free and discounted banking services, and gives you discounts on many non-banking services that enhance the way you live. The low monthly fee of $8.00 entitles you to these special values:
Free printed checks
Free cashiers checks, travelers checks, and money orders
Free check images included in your statement
Discount on mortgage closing costs
Discount on a safe deposit box
Accidental Death and Dismemberment Insurance5
Identity Theft Insurance5
Payment Card Protection
ID Network Safety Program
RX AdvantageTM Prescription Drug Program
Coast To Coast Vision Plan3
Purchase Protection and Extended Warranty
Savers Club® Book (includes discounts on hotels, car rentals, movie tickets, local dining and attractions, shopping and much more)
You also get free Online Banking and Bill Pay, and a free VISA® Debit Card1. Overdraft Privilege is also available up to $5002.
Click here for more information about Checking Plus.
 Money Manager 5000
Money Manager 5000TM is an interest bearing deposit account that acts like a checking account, savings account, or short-term investment rolled into one convenient account. It becomes the type of account you want it to be, and requires only a $5,000.00 average monthly balance to avoid a $8.00 monthly service charge. You get free Online Banking and Bill Pay and a free VISA® Debit Card1. Overdraft Privilege2 up to $500 is also available on this account.
Platinum Checking Package
Maximize your relationship with Dubuque Bank & Trust and we'll maximize your checking account benefits! Our Platinum Checking Package is an interest-bearing checking account for our customers who maintain $50,000 in combined deposit and consumer loan balances. If your total balances drop below $50,000, you pay a monthly fee of $15.00 to continue receiving all these benefits:
Free printed checks
Free cashiers checks, travelers checks, and money orders
Free check images included with your statement
Discount on safe deposit box
0.10% bonus rate on regular term CDs4
Discount on safe deposit box
Discount on mortgage loan closing fees
Check images included with your statement
You also get free Online Banking and Bill Pay, and a free VISA® Debit Card1. Overdraft Privilege is also available up to $7502.
1 Some states permit local financial institutions the option of surcharging for ATM transactions. Dubuque Bank & Trust cannot control surcharges charged to your account by other financial institutions. Fee for replacement card may apply.
2$25.00 for each overdraft advance, created by check, in-person withdrawal, ATM withdrawal or other electronic means. Overdraft Privilege balances must be repaid in 30 days. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically don't pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts.
3 This is not insurance.
4 Not available on promotional offers.
5 Not a deposit, not FDIC - Insured, Not guaranteed by any federal government agency, Not guaranteed by the bank.
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