Cash Rewards Checking
It's not hard to find a free checking account these days; just about every bank offers one. But we've got something even better.
 | Earn 3.03% APY* on balances up to $20,000 |
 | Earn 0.50% APY* on balances over $20,000 |
 | Earn base rate of 0.05% APY* if qualifications aren't met |
With Cash Rewards Checking, you can get a free checking account that offers a great interest rate and ATM fee refunds
nationwide with no minimum balance requirements or monthly maintenance fees. That's free money — just for doing your usual banking activities!
Meet the simple everyday qualifications each month, and you'll automatically earn the rewards. And if you don't qualify one month,
don't worry — you still get unlimited free checking. You'll even earn our base rate of interest for that month... and you can
always get the rewards back the next month!
PLUS
Free ATM refunds (up to $20) |
No minimum balance |
No monthly fees |
Unlimited check writing |
Free Debit Card** |
Free Online Banking with Bill Pay |
Free eStatements |
$25 to open |
So take free checking to the next level and start getting money back from your bank. We think you deserve it!
How to earn the rewards, 3 things you're probably already doing.
| 1. | Sign up for Direct Deposit |
| 2. | Simply have 15 or more signature-based purchases posted within the monthly qualification cycle
(Transactions at an ATM are not included) |
| 3. | Sign up for eStatements |
More Information
*Annual percentage Yield (APY) Rates as of August 1, 2010. Rates are variable & subject to change without notice.
Cash Rewards Checking requires a $25 opening balance. No Minimum Balance Required. Personal Accounts only within our local service area.
Limit 2 accounts per household. **Lost or stolen replacement fee may apply.
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 VISAź 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 Privilege2 is also available up to $500.
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 Privilege2 is also available up to $750.
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$28.00 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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